Bye Bye Card Fees
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For growing digital businesses processing $50,000+ monthly

Stop Paying Credit Card Processing Fees

We help agencies, SaaS companies, consultants and online businesses eliminate 100% of their credit card processing costs without changing the way they invoice, bill or collect payments.

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  • Keep the software you already use
  • Dedicated account manager
  • High-risk friendly
  • Next-day funding
Payment strategies

One strategy. However you bill.

Whether you're billing a handful of large invoices or running thousands of small subscriptions, the underlying approach is the same: the processing cost moves to the customer, not into your margin. That's revenue you were losing to fees every month — now it stays in your business.

Dual Pricing

ACH is your standard, listed price. The card price automatically increases to include the cost of card acceptance, so customers who pay by card cover that cost — not you. The customer experience stays intact because price-conscious customers always have a choice — they can pay ACH at the standard price instead of the card price.

  • You absorb ACH at roughly 90% less than the cost of taking a card
  • Most customers still choose to pay by card anyway, for the points, miles, or cash back their card brand offers

Convenience Fee

A fixed convenience fee is added to every transaction — card, ACH, and bank transfers alike. It's not limited to card payments the way dual pricing is, so 100% of your processing cost is covered no matter how the customer pays.

  • Applied to every transaction type, not just card
  • Eliminates 100% of your processing costs across the board
Dual Pricing in practice

Invoice

Invoice #2481

Awaiting payment

Pay by bank (ACH)

Standard listed price

$4,850.00

Pay by card

Includes processing adjustment

$5,044.00

+4% card adjustment

Convenience Fee in practice

Invoice

Invoice #2482

Awaiting payment
Subtotal$4,850.00
Convenience Fee$150.00
Total Due$5,000.00
Applied the same whether your customer pays by bank or card

The pricing is disclosed clearly before checkout and fully compliant with card brand rules and applicable regulations — your customers see both prices and choose how to pay, the same as pricing disclosures they already encounter elsewhere. In practice, this tends to be a mindset question for the business owner more than a real customer-experience problem. Businesses that commit to the program and treat it as a standard part of how they invoice see the savings. Businesses that hesitate, or feel apologetic about it, tend to talk themselves out of something that was never actually a problem for their customers.

Savings Calculator

See What Credit Card Processing Is Costing Your Business

Estimate how much your business currently spends on credit card processing each year.

Which strategy fits best — Dual Pricing or a Convenience Fee — depends on your business. Either way, the processing cost moves off your books and onto the transaction itself.

$
$50,000$3,000,000
Estimated monthly cost
$4,000
Estimated annual cost
$48,000
Eliminate these costs

$48,000

That is what your business is estimated to spend on credit card processing over the next twelve months. With the right payment strategy, that cost can be removed entirely.

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Estimate based on a 4% effective processing rate. Actual rates vary based on processing volume, payment acceptance methods, card mix, and overall cost structure.

Qualification

Who This Is For

Who This Is For

  • Processing $50,000+/month in card volume
  • Comfortable disclosing pricing and shifting the card cost to customers who choose to pay by card
  • Currently invoicing through QuickBooks (or similar) and want to keep using it
  • Been shut down by Stripe, had funds held, or worried it could happen
  • Ready to move if the math works — not looking to shop around indefinitely

Not a Fit

  • Under $50,000/month in card volume — the switching effort won't be worth it at that size
  • Not willing to pass the cost to the customer
  • Set on using a household-name processor (Stripe, Square, PayPal) regardless of cost
Why us

Why businesses choose Bye Bye Card Fees

Eliminate 100% of credit card processing costs

Keep the software you already use

Next-day funding

Chargeback mitigation

High-risk friendly solutions

Dedicated account manager

2,000+ software integrations

Bank and ACH payment options

Recurring billing

Payment links

Hosted payment pages

Merchant portal

Alternative payment methods

Merchant funding / BNPL options

Cancel anytime, no contract lock-in

Explore by use case

Built for how you sell

Running on GoHighLevel

Replace Stripe or PayPal inside your GHL setup without the shared-account risk.

Learn more

Still on Stripe?

A safer, cheaper way to get paid — without the frozen-funds risk.

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Financing & Buy Now, Pay Later

Add financing at checkout and close more high-ticket sales.

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Your existing stack

Keep the Software You Already Use

You do not have to rebuild your payment workflow to lower what you pay to accept payments. Your team keeps working in the same tools, your customers keep receiving the same invoices, and the processing underneath is replaced.

Lower your payment processing costs without disrupting your business.

We fit the payment solution into your business—not the other way around.

CRM platforms
Accounting software
Online invoicing
E-commerce platforms
Point-of-sale (POS) systems
ERP systems
Growth stage

Stripe Can Shut You Down Without Warning

Frozen funds. Accounts closed with a form-letter explanation. Payouts held for weeks while you wait on a support ticket. If you've processed through Stripe, Square, or PayPal long enough, you've either had this happen or you've seen it happen to someone else. That's payroll you can't make, vendors you can't pay, and growth plans that stall — over funds that were already yours. We solve that with a secure, high-risk merchant account and a real account manager who knows your business — not an algorithm.

The call

Your Payment Processing Strategy Call

  1. Step 01

    Review your current payment workflow

    We look at how you invoice, bill and collect today, and which tools your team relies on to do it.

  2. Step 02

    Understand your costs and goals

    We go through your current processing costs, your growth plans and any friction in your existing payment setup.

  3. Step 03

    Recommend the right payment strategy

    You'll receive a recommendation tailored to your business, along with an estimate of how much you could save.

Built for

Marketing agenciesSaaS companiesConsulting firmsProfessional servicesOnline businessesDigital service providers
Free strategy call

Stop Treating Processing Fees as a Cost of Doing Business

Every month you wait is another month of processing fees you didn't have to pay. Let's find your number.

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Speak with a US-based payments specialist