Payment processing
What goes into your processing rate?
We believe interchange-plus is a fairer, more transparent way to price processing. You can see the underlying card costs and exactly what we charge on top.
- Interchange
- The card networks set interchange rates. These fees go to the bank that issued the customer’s card.
- Network fees
- Card networks also charge assessments and other fees. Your card mix and transaction types affect the total.
- Processing markup
- We explain the markup proposed for your business. Integrity does not request increases to its agreed markup. WorldPay may adjust fees independently, so your total cost can change.
Processing questions
Who processes my payments?
Integrity Processing is a partner of WorldPay and Global Payments. Integrity handles your account and sets up your long-term pricing. Your payments run on the secure, reliable Global Payments network worldwide.
Can I keep my current POS?
Usually, yes. In most cases, you can keep the POS you use today. We’ll verify your setup during your review.
What if I already process with WorldPay?
Tell us about the issue you want resolved. We’ll check what options are available for your account before discussing a transfer.
How quickly can I switch?
WorldPay says low-risk applications may be approved immediately or within 24 hours. The configuration sheet is usually ready the next day. Other reviews can take several days and sometimes two weeks. Your POS company’s setup and testing determine when you can start taking payments.
Do I need to send statements now?
Start with a few details about your business. If a statement review makes sense, we’ll arrange the next step with you.
Would a processing review help?
Tell us how you take payments. We’ll review your details and follow up by email.