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Punchey Credit Card Rates & Fees Overview

Punchey offers a transparent, flat-rate payment processing system built to serve the unique needs of service-based businesses. 

Flat-Rate Pricing

Punchey offers clear, flat-rate pricing designed for service-based businesses. You’ll always know exactly what you’re paying—no hidden fees, no surprises.

  • All Card Payments (in-person, online, or remote): 2.99% + $0.15 per transaction

  •  

    Buy Now Pay Later Finanacing: 5.99% + $0.33 per transaction

These rates apply across all major card brands, including Visa, Mastercard, Discover, and American Express.

Exclusive Processing for Seamless Integration

Punchey is a full-stack platform with built-in payment processing. This means:

  • No third-party merchant account required

  • Full support from the same team that powers your software

  • Fewer compatibility issues and setup headaches

All payments are securely processed through Punchey’s native system to ensure complete feature compatibility and real-time sync across your account.

Fast Deposits, Clear Reporting

Funds are deposited directly into your bank account on a daily basis (subject to bank processing timelines). You'll have full visibility into your transaction history, batch activity, and fees from within your Punchey dashboard.