Switch from Shopify — Personalized Rates for Your Industry
Lower your payment costs without sacrificing convenience. We beat Shopify’s processing rates, re‑evaluate your rates faster, offer next‑day and same‑day funding, and include our Payments Hub with virtual terminal and invoicing. Plus, our free equipment placement program gets you the latest smart terminals.
Why Switch from Shopify
- Shopify charges 2.6% + 10¢ for in‑person transactions and 2.9% + 30¢ online, plus monthly subscription and add‑on fees.
- Additional surcharges apply when using non‑Shopify payment gateways.
- Hardware costs extra; no free placement program.
- Rate changes require contacting support and may take months.
- Limited next‑day funding and no same‑day funding for smaller merchants.
Your Personalized Offers
Flat Rate
2.40% + 8¢ – Perfect for merchants processing up to $30k/month, beating Shopify’s 2.6% + 10¢ while leaving you predictable costs.
Tiered
2.35% / 2.55% / 3.55% + 8¢ – Qualified, mid‑qualified and non‑qualified tiers reward debit and standard credit cards while protecting margin.
Interchange‑Plus
+0.35% + 7¢ – Pay the real interchange plus a small markup. Best for omni‑channel businesses and larger volumes.
Upload statements for custom pricing; starter rates are available without history.
Savings Estimator
Move the sliders to estimate your monthly savings versus Shopify. We compare Shopify’s typical 2.6% + 10¢ rate to our flat rate. For a custom mix or volume bracket, please upload statements.
Shopify Effective Rate: %
Our Effective Rate: %
Estimated Monthly Savings: $
Confidence: High
Estimates are for merchants with verifiable history/volume. Final pricing is determined after underwriting. Starter-rate path available without uploads.
Get Started Right Away (No History / No Paperwork)
Don’t have statements? No problem. Start processing immediately with our 2.55% + 10¢ starter rate. Fill out a short form and we’ll get you up and running. When you’re ready, upload statements to unlock even lower custom rates.
Recommended Devices (Free Equipment Placement)
Critical BS Inc. supplies modern payment devices at no cost to you through our Free Equipment Placement program. Choose the combination that matches your transaction volume. All devices support EMV, NFC and magstripe payments, and tie into our Payments Hub with virtual terminal, invoicing, reporting, dispute management, tokenization and next‑day/same‑day funding.
| Monthly Transactions | Use Case | Suggested Equipment |
|---|---|---|
| ≤ 1,000 | Small boutique, stylist, solo operator | 1 Smart Terminal Mini or Smart Keypad; optional handheld for curbside pickup |
| 1,000–3,000 | Café, retail shop, bar | 1 Countertop terminal + PIN pad (Desk/3500 + PIN) and 1–2 handhelds (A77) |
| 3,000–8,000 | Restaurant, grocery, busy salon | Smart POS+ (E700) plus Desk/3500 and PIN pad, with 2 handhelds for table‑side or line busting |
| 8,000+ | Multi‑lane grocery or large retailer | Multi‑lane Smart POS+ with PIN pads at each lane and handhelds for mobility |
All shown devices are included in Critical BS Inc. Free Equipment Placement (program terms apply).
Apply Now
Ready to switch? Choose the path that suits you. Provide three months of statements for a custom rate, or proceed with our starter rate for immediate approval. Fill in your details below; our team will review and get back to you quickly.
FAQ
How fast do you re‑evaluate my rate?
We review your account every 3–6 months. If your volume increases or your transaction mix changes by more than 25%, you may qualify for an immediate rate adjustment.
When do I receive funding?
Most merchants enjoy next‑day funding. Same‑day funding is available when you batch before 10:30 AM ET.
How soon will I get my devices?
Your devices ship within two business days of approval. You’ll receive instructions for setup and access to our 24/7 support.
Do I need to upload statements?
No, but providing statements or allowing bank‑verified volume helps us tailor a better rate. Without history, you qualify for a competitive starter rate.
Estimates are for informational purposes only and reflect assumptions about volume, average ticket and card mix. Final pricing follows underwriting and verification of processing history or bank‑verified deposits. All recommended hardware is offered through Critical BS Inc. Free Equipment Placement; program terms apply.