See what a card sale costs before you sign anything.

Merchant One Group sets your business up to take cards in person, online and by phone, with a merchant account in your own name.

  • Swipe, dip and tap
  • Online checkout
  • Keyed in over the phone
M1GROUP - Merchant ServicesExample card sale, online
Sale$80.00
2.75% of the sale$2.20
Per-sale fee$0.25
Processing cost$2.45
Left after processing$77.55
Monthly feequoted with your application
These introductory rates are our group plan offering for connected Hubbase customers. Rate 2.75% + 25¢, offer updated Oct 5, 2026. Subject to underwriting approval.

Three ways to take a card

In person

Swipe, dip and tap, keyed entry and mobile wallets: Apple Pay, Google Pay and Samsung Pay.

Online

Accept card payments online.

By phone

Take a card over the phone and key it in.

Our rate next to theirs

Standard published rates for U.S. cards. Every number links to the page it was read from.

Processor
Online
In person
Monthly fee
Source
M1GROUP - Merchant ServicesIntroductory group plan
Online2.75% + 25¢
In person2.39% + 10¢
Monthly feeQuoted with your application
Offer updated Oct 5, 2026
Stripe
Online2.9% + 30¢domestic cards
In person2.7% + 5¢Terminal, domestic cards
Monthly feeNoneno monthly fee
Read Oct 4, 2026, their pricing page
Square
Online3.3% + 30¢Square Free plan
In person2.6% + 15¢Square Free plan
Monthly fee—Square Free plan
Read Oct 4, 2026, their pricing page
PayPal
Online2.99% + 49¢standard credit and debit card payments
In person2.29% + 9¢PayPal Point of Sale, card present
Monthly fee—not read
Read Oct 8, 2026, their pricing page
Shopify Payments
Online2.9% + 30¢Basic plan
In person2.6% + 10¢Basic plan
Monthly fee$29Basic plan, billed yearly
Read Oct 8, 2026, their pricing page
Authorize.net
Online2.9% + 30¢all-in-one option
In person2.9% + 30¢
Monthly fee$25monthly gateway fee
Read Oct 8, 2026, their pricing page
Braintree (PayPal)
Online2.89% + 29¢cards and digital wallets
In person—not published or not read
Monthly fee—not read
Read Oct 8, 2026, their pricing page
HelcimInterchange plus: a margin added on top of each card's interchange cost, not a flat rate.
Online0.5% + 25¢interchange plus, $0–$50K a month
In person0.4% + 8¢interchange plus, $0–$50K a month
Monthly feeNoneno monthly fee
Read Oct 4, 2026, their pricing page
Clover
Online—not published or not read
In person—not published or not read
Monthly fee—not read
Could not be read, their pricing page

Each row is that company's own published standard rate for U.S. cards, read from the page linked next to it on the date shown. A number older than 45 days is greyed, marked “not verified” and left out of the estimates.

  • Rates shown for M1GROUP - Merchant Services are offers. They are subject to underwriting approval and may differ by business type and risk.
  • Competitor rates are each company's published standard rates on the date shown next to them, and may have changed since.
  • This is not a guarantee of savings.

iAccess: every transaction, as it happens

The merchant portal that comes with your account.

Live payment activity

See each transaction in real time instead of waiting for a statement.

Statements and reports

Your statements and reports in one place, ready when you need them.

A built-in virtual assistant

Ask the portal's virtual assistant where to find something.

Countertop terminals

Dejavoo and Valor PayTech terminals with chip and contactless.

Z11

Dejavoo Tri-Comm touch screen

  • 3.5 inch colour touch screen
  • Chip (EMV) and contactless (NFC) built in
  • Tri-Comm: dial, IP and WiFi
  • Apple Pay, Google Pay and Samsung Pay
  • Your logo on the screen and on receipts
  • Electronic receipts available

Z8

Dejavoo Tri-Comm

  • Chip (EMV) and contactless (NFC) built in
  • Tri-Comm: dial, IP and WiFi
  • Apple Pay, Google Pay and Samsung Pay
  • Your logo on the screen and on receipts
  • Electronic receipts available

VL100 Pro

Valor PayTech countertop

  • Chip (EMV) and contactless

See the terminals

Ready to see your own numbers?

The application takes a few minutes and asks for nothing sensitive.