Top Hand Payments vs Traditional Processors
Most Processors Make Money From Confusion.
We make money from transparent margin.
CONTRACT STRUCTURE
Retention should be earned, not enforced.
HARDWARE MODEL
Ownership should not expire when you switch providers.
PRICING STRUCTURE
Two transparent models: interchange-plus or surcharge.
SURCHARGE OPTION
If eligible, surcharge eliminates processing overhead.
MONTHLY FEES
Predictability protects margin.
UNDERWRITING & STABILITY
We do not build on short-term bait programs.
EFFECTIVE RATE IMPACT
Basis Points Compound.
A 1% effective rate difference on $500,000 per month:
$60,000 per year.
Structure matters.
Let’s Get Started — Share Your Details
Tell us a little about your business and what you’re looking for in a payment partner. We’ll review your information personally and reach out with clear next steps tailored to your goals. It’s quick, simple, and the first step toward better processing.
Unlock Your Custom Rate Quote
Every business is different — your pricing should be too. Submit a few details and receive a transparent, customized rate analysis designed to reduce fees and improve efficiency. No guesswork. No hidden costs. Just straightforward numbers you can trust.
Complete Your Merchant Application
Ready to move forward? Fill out your merchant application and begin the onboarding process with a team that values speed, clarity, and personal support. We’ll guide you every step of the way so you can start processing with confidence.