Stop paying to accept cards.
Bartine eliminates interchange, terminal, gateway, PCI, and monthly account fees through a compliant customer-surcharge model. A business processing $500K in annual card volume goes from $10K–$20K in fees to zero — without changing what customers pay above the disclosed surcharge.
Effective rate: 0%The merchant stops paying. The cardholder covers the cost of the rail they chose.
Bartine selects the model based on state law, industry norms, and ticket size — and handles every piece of required disclosure signage, receipt language, and POS configuration.
A full payments stack, not a single product.
Compliant zero-cost processing implemented on your existing or upgraded terminals, with disclosure signage, receipt language, and POS configuration handled end-to-end.
Modern POS hardware and software, integrated with the processing program from day one. Existing systems audited for compatibility before any replacement is recommended.
Connections to your accounting, inventory, CRM, and online ordering systems. No re-keying invoices, no manual reconciliation, no duplicate data entry.
Point-of-sale financing for higher-ticket purchases — dental, elective medical, auto, home services, retail. Approves customers the merchant would otherwise lose at the checkout.
Working capital, equipment finance, and merchant cash advance options sourced across multiple lenders. Used when an audit surfaces a growth bottleneck a recovered fee won't fix on its own.
Government incentive and rebate programs the partner is licensed to source — including transaction-fee rebates and equipment credits. Disclosed up front, no commitment to qualify.
Three steps from current processor to zero fees.
We pull twelve months of merchant statements. The audit returns a written number: exactly what you'd save under each model, what regulatory framework applies in your state, and what your effective rate is today.
We select the model, configure the POS or terminals, draft the disclosure signage and receipt language, and run a parallel-run day so staff sees the new flow before customers do.
Switchover typically takes one business day. Bartine remains on call for the first 30 days and reviews the first full statement with you to confirm zero fees on the merchant side.
This is legal, disclosed, and audited. The shady versions are not what we run.
Same checkout. A processing bill that finally reads zero.
| Line item | Current processor | With Bartine |
|---|---|---|
| Interchange fees | Paid by merchant | Paid by cardholder, disclosed |
| Terminal & gateway fees | Paid by merchant | Eliminated |
| PCI compliance fees | Paid by merchant | Eliminated |
| Monthly account fees | Paid by merchant | Eliminated |
| Effective rate on card sales | 2.5–4.0% | 0% |
| Customer experience | Same | Same, plus disclosed surcharge |
| Compliance framework | Implicit | Documented, state-specific |
| Time to recovered savings | Never | First monthly statement |
Run the math. Then decide.
Free statement audit. We tell you exactly what you'd recover per month before we touch a terminal.