How do you compare processing statements?
Use the same period and payment activity, then separate processing charges from software, equipment and other services. For a historical summary, divide the processing charges you have included by the matching processed card volume and multiply by 100. Label which charges are included: this observed percentage is a summary of that period, not a contract rate or a forecast.
- Match the statement dates, card volume and transaction count; flag unusual or seasonal activity.
- Separate in-person, online and manually entered payment activity when the statement provides that detail.
- Identify percentage charges, per-transaction charges and fixed or occasional fees without counting a line twice.
- Compare software, equipment and other invoices separately, then add them to the total operating cost.
- Ask for unfamiliar line items to be explained before assuming that they will disappear with a different provider.
Illustrative cost comparison — not a quote
These fictional monthly amounts demonstrate arithmetic only. They are not Infinity Pay prices, market rates, a merchant's results or a savings claim. Assume the same payment activity and required functions in both examples, no other recurring charges and a separate review of one-time costs.
- Example A: assumed processing subtotal $1,000 + software $150 + equipment payment $100 = $1,250 per month.
- Example B: assumed processing subtotal $1,100 + software $200 + equipment payment $0 = $1,300 per month.
- For 12 identical months: A totals $15,000 and B totals $15,600, before one-time costs. A $0 equipment line does not make B cheaper in this example.
- For your comparison: replace every assumed amount with your statement or written proposal, and add any setup, purchase, third-party or exit charges that apply.
What does the 4% service program mean?
Our service program is 4%. Before you sign, your proposal must explain the transactions to which it applies, who pays each charge, included services and any equipment, software or third-party costs. This is not blanket permission to add a 4% surcharge to customer payments. A merchant service rate and a customer surcharge are not interchangeable terms. Any customer-facing pricing arrangement needs a separate review for your location, card types and applicable requirements before configuration; this page is not legal advice.
- Confirm how credit, debit, cash and each payment channel are handled in the written proposal.
- Review the customer-facing prices and receipts as well as the merchant's statement charges.
- Do not assume one pricing arrangement is permitted for every card type or in every state.
What should you check in the merchant agreement?
Read the complete written proposal and related agreements together. Ask for unclear terms to be explained before signing; a sales summary should not substitute for the documents governing your account. Use this as a list of questions, not an assertion that every agreement contains the same charges or conditions.
- Pricing: which payment channels and card types are covered, plus percentage, per-transaction, monthly, annual, minimum or other applicable charges.
- Funding and adjustments: settlement schedule, possible holds or reserves, refund handling and dispute fees or response responsibilities.
- Equipment: purchase, lease or program conditions; ownership, replacement, return and any separate equipment agreement.
- Term and exit: agreement length, automatic renewal, cancellation notice, early termination and software subscription cancellation.
- Operations: included setup and support, third-party responsibilities, access to records and what can transfer if you change providers.
Payment provider switching checklist
Agree on the transition before cancelling the current service. We review your devices, POS software and required connections; timing depends on your account, equipment and setup. A statement review is not a commitment to switch, and the website's savings explorer is an illustration, not a quote or a guaranteed result.
- Review the current agreement, device ownership, subscriptions and cancellation requirements.
- Confirm account requirements and compatibility for counter, mobile and online payments.
- Agree how to retain needed transaction records and handle outstanding refunds or disputes.
- Configure and test the agreed workflows; prepare staff, support contacts and a changeover fallback.
- Check initial settlement and reporting, then confirm cancellation and final obligations with the old provider.
Have help when a payment is disputed
A disputed payment can require receipts, signatures and transaction records. We help gather the available material, explain the response process and prepare your submission. Tell our team when a notice arrives so the required next steps can be discussed. The outcome depends on the individual dispute and evidence; support with a response does not guarantee that a chargeback will be reversed.
Keep payments connected to the rest of the business
Infinity Pay helps plan POS configuration, staff onboarding, a business website and supported integrations alongside payment services. We remain available after setup for everyday questions and troubleshooting. Reach our team by phone, text or Telegram, with personal help in English, Russian, Spanish, Tajik or Uzbek. For another location or a change in how customers pay, start with a compatibility and scope conversation.
See the practical work behind the service
Our original merchant footage shows Laghman Express in Brooklyn and Tandir Rokhat. You can also explore websites our team built for Butcher Chef, Shawarma Stop and Sharq Family. These examples show installation and website work; they are not evidence of a particular rate, a guaranteed saving or a promised dispute outcome.