For merchants who view processing as a standard cost of doing business and prefer to keep the customer experience seamless without additional surcharges.
Locked-In Stability: Benefit from the recent Visa/Mastercard settlement which guarantees that interchange rates will not increase for the next few years.
Simple Fixed Margin: Pay exactly what the banks charge, plus a fixed 0.10% + $0.10 per authorization.
Predictable Monthly Cost: Just a $35 monthly service fee—no hidden "junk" fees or statement markups.
PCI Advocacy: We provide the tools to ensure you meet PCI compliance within 90 days, protecting you from industry-standard non-compliance fees.
For the margin-focused merchant who wants to eliminate the "Credit Card Tax" while maintaining the ability to accept every card type in the wallet.
Honor All Cards: Despite the removal of "Honor All Cards" clauses in the recent settlement, this model allows you to continue accepting high-reward cards without the heavy fee burden.
Protect Your Bottom Line: Offset up to 95% of total processing costs by shifting the expense of rewards cards back to the cardholder.
Total Wallet Coverage: Unlike other cost-cutting models, Near-Zero ensures no customer is turned away, regardless of their preferred payment method.
Automated Compliance: Our technology handles the real-time math and required signage, keeping your business compliant with all network rules.
See how much of your hard-earned margin is being lost to traditional processing fees—and how much the Near-Zero model puts back in your pocket.
Many processors promise "$0 in fees" for their Dual-Pricing or Cash Discount models, but the reality is no one can fully eliminate every cost once account maintenance, PCI compliance, and required debit-network fees are considered. At Socorro Payments we focus on radical transparency with our Near-Zero Model—offsetting every possible credit card fee while providing a clear, honest look at the remaining essentials. Our savings estimates are intentionally conservative. Depending on your card mix and business type, your actual savings could be even higher!
Choosing a pricing model depends on your brand philosophy. Some of our merchants choose the 10 & 10 Path because they view credit card fees as a cost of doing business and prefer a traditional checkout experience to avoid potentially alienating loyal customers with surcharges. Others choose the Near-Zero Path to prioritize their bottom line and to prevent their business from subsidizing high-reward card fees.
Both pricing models are highly effective and the right one for you is determined by your unique business needs. At Socorro Payments, we offer both because we value your flexibility. If you decide to try our Near-Zero Model and find it isn't the right fit, we can switch you to our 10 & 10 Model with a simple form and a quick equipment download. You are never locked into a model that doesn't serve your growth.
Universal Network Flexibility. We don’t believe in "one-size-fits-all." By maintaining access to multiple top-tier processors, we ensure your business has the speed, hardware options, and redundancy it needs to never miss a sale.
Dedicated Local Advocacy. You get the best of both worlds: a local partner for strategic growth and 24/7 technical support from our processing networks for immediate hardware or software troubleshooting whenever it’s needed.
Market-Leading Protection. We stay ahead of the curve so you don't have to. From the recent Visa/Mastercard settlements to the latest Interchange-Plus regulations, we ensure your account is proactively managed to benefit from every industry trend.
Zero-Contract Freedom. Our value is our contract. We offer flexible, month-to-month service with no long-term commitments. We believe in earning your business every single month through transparent pricing and reliable service.
Main Street Path: Choose between the 10 & 10 or Near-Zero pricing models and we will match you with the right solution out of our network of five nationwide processors.
Main Street Path: Quick Approval. Automated systems and simple requirements get you approved in as little as 24 hours.
Main Street Path: Receive your plug-and-play equipment—owned by you, not leased—and start processing immediately.
Whether you need the speed of Main Street approval or the stability of direct bank sponsorship, Socorro Payments is your advocate in a complex industry. Let’s build a processing strategy that protects your margins and your peace of mind.
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