Compliant dual pricing, a free terminal, and 1.49% debit rates — no contracts, no monthly fees, no early-termination fee.
Your quote is your rate — locked, cancel anytime.
Cashless tips · Powered by MidPay
A personal QR for every team member. Guests rate the service and tip in seconds — no app, no cash. They keep 100%* of their tips, paid out the same week.*After a 4% processing fee.
👉 Sneak-preview demo — scan, rate ★, and tip. Full launch August 2026.
These are their own published rates. With MidPay dual pricing, your processing cost is $0 — the customer covers a small fee, and you keep 100% of the sale.
Rates shown are each provider's publicly published pricing. Competitor names are trademarks of their respective owners.
Most businesses save $378/month by switching to MidPay. See what you could save.
Square charges 2.6% + 10¢ on every in-person tap, dip, or swipe — debit and credit alike. MidPay starts at 1.49% on debit, and with Zero Fee you can keep 100% of the sale.
| Per transaction | MidPay | Square |
|---|---|---|
| In-person debit | 1.49% | 2.6% + 10¢ |
| In-person credit | 2.69% | 2.6% + 10¢ |
| Zero Fee (0% to you) | Yes — customer covers a small 4% fee | Not offered |
| Monthly fee | $0 | $0 |
| Setup | $0 | $0 |
Real math: on a $50 debit sale, Square's 2.6% + 10¢ takes $1.40. MidPay's 1.49% takes about $0.75 — and with Zero Fee, $0 comes out of your pocket. Square rates per its published pricing; both providers list $0 monthly and $0 setup.
Turn on Zero Fee and a small 4% surcharge is shown to the customer at checkout — you keep 100% of every sale. $0 monthly, $0 setup, no contracts.
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More ways MidPay pays off
Let customers split big purchases into installments — you get paid in full, today.
Offer financing →Send a business our way. When they activate, you get paid — no caps, no limits.
Become a referrer →Locked in a contract? We cover up to $1,000 of your old processor's cancellation fees.
Switch with zero risk →