TrustRate™ Merchant Accounts

Earn up to 2% cash back by accepting credit cards

Punchey proudly offers transparent, custom pricing that allows businesses to take advantage of our low rates and value added tools.
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One Size Doesn’t Fit All

No two businesses are the same. That’s why Punchey takes the time to understand your company’s needs before presenting you with a custom rate. Smaller merchants are usually sold “one simple flat rate” while their larger competitors enjoy the perks of customization.

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Typical Pricing Comparison

See how Punchey's rates stack up against the competition.

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Save With Punchey

With Punchey you start saving when accepting payments as low as $18!

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Our Rates Do Better

Transparent, custom pricing for every need.

Punchey Flat

per swipe
Keyed-in Rate
3.5% + 15¢
Breakeven Transaction Size
Average Sale Below $18
Simplicity - Same Rate for All Cards
No Hidden Fees
No Long Term Contracts
eCheck Rate (if Appcicable)
0.5% + 25¢

Punchey Flex

+ Interchange + 15¢
Keyed-in Rate
0.75% + Interchange + 15¢
Breakeven Transaction Size
Average Sale Above $18
Never pay more than what's required
Benefit form Durbin Amendment
No Hidden Fees
No Long Term Contracts
eCheck Rate (if Appcicable)
0.5% + 25¢

What Our Users Have To Say

"Why not take customers 24/7. It's a customer convenience for existing customers that know what they want and who they want it from. Also I love getting reviews on google and yelp. We are growing our sales quickly!"
Brian Moore
Owner, West Side Tattoo
"I use Punchey's DetailPro app and just opened our second location. An entrepreneur all my life, this is the first app that puts everything all together. Scheduling, payment processing, marketing and company texting/communication. A+ to Punchey."
Ryan Nickol
Owner, Unique Auto Detailing
It's a fraction of the cost of other point of sales, so you can save money while still getting all the features you need. And it's also great for businesses who want to increase their tips by accepting digital tips.
Jamie Snediker
Owner, Southernmost Tattoo, LLC

Questions We Get Asked A Lot

Does the app work with my existing hardware?

Punchey lets you use the computer or laptop you already have. That means you don’t have to switch up your hardware for us or try to run your entire business on an iPad. Compatible with Google Chrome, Firefox, Safari & Internet Explorer, all you need is an internet connection and your existing computer.

What if I have a question about my Punchey account?

Our team of specialists are available via chat, email, or phone. You can also visit the Resource Center 24/7 for useful videos and support articles

Why accept card payments?

Cash-only operations hinder business sales and potentially make the business lose hundreds of prospective customers. Here are some of the ways that accepting card payments increases revenue and cuts costs.

  • Business credibility - Businesses that accept card transactions are viewed as more legitimate than those that don’t. When a customer trusts you, they’ll do business with you.
  • Increased sales volume - Accepting Credit Cards for your business is increasingly important.  In a survey provided by 69% of millennial’s, three-fifths of respondents aged 35-44 and nearly 50% of consumers 45 and older say they only shop at businesses that accept credit cards. Industry research also indicates accepting credit cards can improve revenue by as much as 23%. Accepting credit cards provides convenience to consumers who do not have cash on hand or for those who are hoping to finance their purchase. It will also increase the likelihood that customers will make impulse purchases.
  • Cardholders spend more - When given the opportunity to pay by card, consumers feel more financial liberty. On average consumers will spend 20% more when paying by credit card than by cash or check. Larger orders mean more profit for you.
  • More secure - Card payments offer security against fraud and theft. There’s fewer opportunities to make mistakes, such as taking the wrong amount of money or short-changing a customer (or being tricked into thinking you have).

Why Punchey?

Punchey is a powerful, user friendly solution for managing your business. Whether you’re overseeing hundreds of big ticket billings or a dozen small payment requests, we offer our users a robust platform to get the job done.

  • Appointment scheduling software & employee management - Schedule staff, track hours and generate performance and sales reports for each employee.
  • Payment processing - We've integrated the lowest cost merchant providers with the best rates to provide affordable credit card and e-check acceptance. Every time a customer swipes their card and signs with PayPad, their full name and signature are automatically saved into your company’s online database. By adding an email address and phone number to their profile, you have the ability to use Punchey’s Value Added Tools to achieve your business’s specific goals.
  • Customer Profiles - Automatically create and store customer profiles linked with transaction history, communication history and more.
  • Reputation Manager - A few bad online reviews can do major damage to a business’s reputation. Punchey helps you respond to potentially harmful criticism before anyone else has a chance to see it. Bring in more clientele by easily and quickly sending review requests.
  • Tips and signatures - Businesses find that asking for a tip after a transaction grows revenue by more than $10,000/year. Allow customers to effortlessly sign on your PayPad to authorize their purchase.
  • Email & SMS Receipts - Go green, save the environment, save money and connect with customers. What's not to like about email receipts?
  • Cloud Based POS - With a cloud based POS you can access your data from anywhere, don't have to wait for software updates and aren't dependent on a single hardware manufacturer or operating system.

Which cards can I accept?

You can accept every major card—Visa, Mastercard, American Express, and Discover—all for the lowest rates in the industry. GUARANTEED.

Is it safe?

Punchey processes all payments using an industry-standard PCI-compliant system. Our credit card processing is extremely safe, with data protection features such as: advanced card authentication, data encryption, as well as host authentication.

It's Time to Build Your Future.