$0 Processing Fees for US Startups and Founders
PaySec's Startup Program gives early-stage companies Network Offset Pricing — $0 in processing fees on every transaction. Just 3 months of processing history required. No contracts, no caps, no surprises.
Built for Founders Who Ship Fast
Stop paying 2.9% on every transaction. Reinvest those savings into product, growth, and hiring.
Network Offset Pricing
Pay $0 in processing fees from day one. No interchange passthrough, no percentage markups, no hidden costs. Keep 100% of every transaction and reinvest savings back into growth.
Fast Approval (3-Month History)
Traditional processors require 12+ months of history. PaySec approves US-based startups with just 3 months of prior processing — so you're not penalized for being new.
Transparent Growth Pricing
No tiered downgrades, no surprise rate hikes as you scale. Your pricing stays transparent and predictable whether you process $10k or $500k per month. Growth should lower costs, not raise them.
Modern API & Integrations
RESTful API, webhooks, and pre-built integrations with Stripe migration, Shopify, WooCommerce, and major SaaS billing platforms. Built for founders who ship fast.
Next-Day Funding
Cash flow is oxygen for startups. Deposits hit your account the next business day — no 3-5 day holds, no rolling reserves for qualified accounts, no throttling as you scale.
PCI Compliance Handled
PCI DSS Level 1 compliance managed by PaySec. No annual SAQ headaches, no security questionnaires eating your engineering time. Focus on product, not compliance paperwork.
No Long-Term Contracts
Month-to-month agreement with no early termination fees. If you pivot, get acquired, or change direction, you're never locked in. Cancel anytime with no penalties.
Dedicated Startup Success Manager
Named account manager who understands early-stage companies. Help with integration, optimizing acceptance rates, and scaling your payment infrastructure as you grow.
Eligibility Requirements
Three simple requirements. No revenue minimums, no investor requirements, no industry restrictions.
US-Formed Business
Your company must be legally formed in the United States (LLC, C-Corp, S-Corp, or sole proprietorship).
US Resident Principals
Business owners/principals must be US residents — green card holders or US citizens.
3 Months Processing History
Provide 3 months of prior processing statements from any US processor (Stripe, Square, PayPal, etc.).
Based on PaySec merchant data, Q1 2026. Savings assume $50k/month processing vs. Stripe 2.9% + $0.30. Individual results may vary.
“We were paying Stripe $2,100/month on $72k in processing. PaySec's Startup Program approved us in 36 hours — with just our 3-month Stripe history — and now we pay $0 in processing fees. That's $25k/year back into our engineering budget.”
PaySec Startup Program vs. Other Processors
| Feature | PaySec Startup | Stripe | Square | Traditional |
|---|---|---|---|---|
| $0 processing fees (Network Offset Pricing) | ||||
| Approval with 3-month history | No history needed | No history needed | 12+ months | |
| Next-day funding | 2-day | Next-day ($) | 3-5 days | |
| No long-term contracts | ||||
| Dedicated account manager | Enterprise only | Varies | ||
| Token migration from Stripe/Square | N/A | N/A | Manual | |
| No volume caps or rate changes | ||||
| PCI compliance included | Extra cost |
The Math: Stripe vs. PaySec
See exactly how much you keep at every growth stage.
| Monthly Volume | Stripe Fees (2.9% + $0.30) | PaySec Fees | You Save |
|---|---|---|---|
| $10,000/mo | $320/mo | $0 | $3,840/yr |
| $30,000/mo | $900/mo | $0 | $10,800/yr |
| $50,000/mo | $1,480/mo | $0 | $17,760/yr |
| $100,000/mo | $2,930/mo | $0 | $35,160/yr |
Stripe fees calculated at 2.9% + $0.30 per transaction (avg. ticket $50). PaySec Network Offset Pricing = $0 processing fees. Actual savings depend on card mix and transaction size.
Startup Program FAQ
Stop Paying 2.9%. Start Keeping Everything.
Apply to the PaySec Startup Program today. Approval takes 24-48 hours with just 3 months of processing history. No contracts, no caps, no hidden fees.
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