Payment processing that treats your business fairly.
Interchange-plus pricing, no monthly or PCI fees, month-to-month — for businesses processing $20k+/month.
You see the card networks’ cost and our markup. Send us your statement and we’ll beat it — or we’ll tell you to stay where you are.
- $0 monthly fee
- $0 PCI fee
- $0 setup
- Month-to-month
- Next-business-day funding
- No hardware lease
- Free statement analysis
Three reasons owners move their processing to Puna Pay
Honest pricing model
Interchange-plus: you see the card networks' cost and our markup, line by line. Interchange is the wholesale rate set by Visa and Mastercard — the same for everyone.
No lock-in
Month-to-month agreement. No early-termination fee, no hardware lease, no auto-renewing contract. We keep your business by earning it.
Real support
Named humans who know your account, not a ticket queue. Fast onboarding, and help that picks up the phone.
How much does credit card processing cost you today?
Your effective rate is everything you paid your processor last month divided by your card volume — the one number that cuts through fee jargon.
For an exact number, send us a real statement. We’ll show you the difference in 24 hours — or tell you you’re already in a good deal.
Estimates only. Your savings depend on your card mix — that’s why we analyze a real statement.
Built for businesses that take payments in person
Send us a statement.
We’ll show you the difference in 24 hours — or tell you you’re already in a good deal.