Powered by Payroc

For businesses nationwide · Powered by Payroc

Keep more of every sale.

Send us last month's processing statement. We'll mark up every fee, show you which ones you don't need, and tell you what you'd pay instead. If your current deal is already good, we'll say so.

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Rather talk it through? Book a free call on Google Meet →

Review cost
$0
Turnaround
1 business day
Processor
Payroc
Example statement · OctMCC 7549 · Auto repair
Card volume$42,000.00
Interchange & assessments$812.40
Non-qualified surcharge$214.60
Statement fee$14.95
PCI non-compliance$39.95
Monthly minimum$25.00
Markup over cost$382.10
Total fees · 3.53% effective$1,489.00
Same month on interchange-plus$1,038

Illustrative example. Your numbers depend on your card mix and program.

What would the same sales cost elsewhere?

Set your monthly card sales and average ticket. We'll compare your current rate with Square's and Clover's published rates and with our two most popular programs.

$40,000
$60
3.40% Total fees ÷ total card sales on your statement. Not sure? Most small businesses land between 2.9% and 3.8%.
Monthly cost667 sales a month
  • You today
  • Square 2.6% + 15¢
  • Clover 2.6% + 10¢
  • HydraPay interchange-plus est. 2.50% blended
  • HydraPay dual pricing ~$40 program fee
Possible savings vs. today$4,320 – $15,840 a year

Square and Clover use their published standard in-person rates, checked October 2026 (some Clover plans are 2.3% + 10¢). HydraPay figures are estimates, not a quote. Real pricing depends on underwriting, card mix, and industry, and dual pricing isn't available for every business type.

Pick how you pay for cards

Dual pricing is where most businesses save the most. If it doesn't fit how you sell, the other two still show you exactly what you pay.

Biggest savings

Dual pricing

You post two prices: one for cash, one for card. Customers who pay by card cover the processing cost, and you keep your margin on every sale.

  • Signs, receipts, and terminal setup done for you
  • Works at the counter, on the road, and online
  • A strong fit for shops, food, auto, salons, and services
Example receipt
Oil change + filter$50.00
Cash price$50.00
Card price$51.99
Your processing cost on this sale: about $0
Most transparent

Interchange-plus

You pay the card networks' real cost plus one fixed markup, printed on every statement. No "non-qualified" surprises. Best above about $30k a month.

Simplest

Flat rate

One rate on every card, so month-end has no math. Good for newer or lower-volume businesses, with room to move up as you grow.

The HydraPay Promise

  1. A straight answer. If your current deal is already good, we'll tell you, and you won't hear from us again unless you ask.
  2. Nothing in fine print. Every rate, fee, and contract term is shown to you in writing before you sign.
  3. You know how we get paid. It's published on our site. Read how HydraPay gets paid.

Equipment for wherever you get paid

Every device is certified with Payroc and takes tap, chip, swipe, Apple Pay, and Google Pay. We program your pricing before it reaches you.

Compare all equipment →

Tow companies, barbershops, food trucks, and the shop next door.

Towing & auto repairRestaurants & cafésFood trucksBarbershops & salonsHookah loungesUsed car dealersContractors & tradesCleaning companiesRetailSoftware & online

From statement to switched

  1. TodaySend a statement

    Upload it below or text a photo of every page. About two minutes.

  2. Next business dayGet your teardown

    Every fee marked up, with what each program would cost you.

  3. 1 to 3 business daysGet approved

    A short application. We fill in most of it and you e-sign.

  4. ThenGo live

    Your terminal arrives programmed, or your software gets connected. We stay your contact after.

Send us one statement. We'll do the math.

You'll get a marked-up copy of your statement and a side-by-side of what each program would cost, within one business day. No obligation.

Rather text it?425-484-7707Send photos of every page
Rather email it?hydrapayprocessing@gmail.com
Rather talk first?Book a free 15-minute callVideo call on Google Meet, pick any open time

Ready to switch now? Start your application


A dedicated agent, backed by Payroc

HydraPay Processing is an authorized agent of Payroc, a payment processor founded in Chicago in 2003. You get a real person who picks up the phone, and a processor that handles billions in payments every year.

Payroc handlesProcessing, underwriting and approval, deposits to your bank, and the technology behind your terminal or checkout.
HydraPay handlesYour statement review, choosing a pricing program, your application, equipment setup, and questions after.
Payroc at a glance
Founded2003, Chicago
Merchants served190,000+
Annual processing$115B+
MarketsU.S., Canada, Caribbean, U.K., EU

Figures as reported by Payroc, September 2024.

Questions owners ask before switching

Will I have to sign a long contract?

We show you every term in writing before you apply, including contract length and any early termination fee. No surprises after you sign.

Can I keep my current equipment?

Often yes. Many terminals can be reprogrammed. If not, we'll recommend a Payroc-certified terminal that fits how you take payments. See equipment.

Is dual pricing legal in my state?

Dual pricing is allowed in all 50 states when signage and receipts are done correctly, but rules vary by state and industry, and some regulated services can't pass card costs on. We check your state and business type before recommending it.

How does HydraPay get paid?

Payroc pays us a share of the revenue from your processing. It comes out of the rates in your agreement, not as an extra fee. Full details.

Who actually processes my payments?

Payroc, a payment processor founded in 2003. HydraPay is your agent for pricing, setup, and support.

How fast do I get paid?

Fast deposits are available, including next-day options on many accounts. We confirm your exact funding schedule in writing during setup.

Get my free statement review