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Our Story

We built MidPay because businesses deserve transparent, fair payment processing

Every month, thousands of businesses overpay because processors charge the same rate for debit and credit. We built a better solution.

The MidPay founding team working together
MidPay founder at work

Founder Story

Nicolas shares why he started MidPay and how we're making payment processing fair and transparent.

The Problem

Most processors charge the same rate for debit and credit. That's not fair.

When we started our first business, we were excited to use one of the big-name processors. Simple, modern, easy to set up. But then we saw the bill.

2.75% on every single transaction. Debit or credit—same rate. We were processing $50,000 a month, and 60% of our customers paid with debit cards.

Do you know what debit cards cost processors? About 0.5% + $0.22. They were charging us 2.75%. The math didn't add up.

We calculated we were overpaying $378 every single month—$4,536 a year—just because they didn't differentiate debit from credit.

That's when we knew something had to change.

Entrepreneur reviewing payment processing costs
$4,536
Lost per year
On $50k/month volume with 60% debit cards at a typical 2.75% flat rate vs MidPay's 1.49% debit rate

Our Mission

"Save 1 million businesses from overpaying on payment processing. Give them back the money they deserve so they can invest in growth, hire more people, and build better lives."

Nicolas Giacaman, Founder
Our Mission

We exist to save businesses money. Period.

MidPay isn't about making processors rich. It's about giving businesses a fair deal.

We partnered with the best payment processors in the industry—Poynt, Clover, PayAnywhere, Shift4—to negotiate rates that actually reflect the real cost of processing.

1.49% on debit cards. 2.69% on credit cards. Free equipment. No contracts. No hidden fees.

We're not trying to lock you in or upsell you on fancy features you don't need. We just want to save you money so you can invest it back into your business.

That's it. That's the mission.

Built by entrepreneurs, for entrepreneurs

We've felt the sting of unfair fees. That's why we fight for yours.

The Impact

What we've done so far

Every business that switches to MidPay saves real money. Here's the impact we've made together.

1,000+
Businesses Served
From coffee shops to supermarkets, food trucks to restaurants
5/5
Customer Rating
Businesses love transparent pricing and honest service
$4,536
Saved Per Location, Yearly
On $50k/month volume with 60% debit vs a typical 2.75% flat rate
1.49%
Debit Card Rate
Instead of the same flat rate most processors charge on debit and credit alike
Our Values

What we stand for

Transparency

No hidden fees. No fine print. We show you exactly what you're paying and why.

Fairness

You deserve to pay the real cost of processing—not inflated rates that line processor pockets.

Freedom

No contracts. No lock-ins. Cancel anytime if we're not saving you money.

Speed

Set up in 48 hours. Start saving immediately. We respect your time.

The future is transparent, fair, and affordable

We're just getting started. Our goal is to save 1 million businesses from overpaying on payment processing. We want to return $1 billion to business owners so they can invest in growth, hire more people, and build better lives.

If you're tired of overpaying 2.75% flat, join us. Switch to MidPay and start saving today.

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