Puna Pay
Talk to usFree statement analysis

How our pricing works

We use interchange-plus pricing: you pay the card networks’ wholesale cost, plus one small markup you can see on every statement. That’s the whole model.

Anatomy of a sale

What actually happens when a card is charged

Interchange is the wholesale fee set by Visa, Mastercard, and the card-issuing banks — the same for every processor. The only part a processor controls is the markup on top. We keep ours small, fixed, and printed on your statement.

The card networks take their cut

Interchange — set by Visa, Mastercard, and the issuing banks. Identical for every processor; nobody gets a better deal on this part. We pass it through at cost.

We add one visible markup

Small and fixed — never buried in a blended rate. It's the only part of your cost we control, so it's the only line we ask you to judge us on.

The rest is yours

Deposited to your bank account the next business day, with every fee reconciled on a statement you can actually read.

Your exact numbers depend on your card mix — that’s why we quote from a real statement, not a rate card.

What you’ll never pay

These are the fees that quietly inflate an effective rate at other processors. At Bittsi Pay, every one of them is zero.

  • $0Monthly feeNo subscription to accept payments
  • $0PCI-compliance feeCompliance help included, not billed
  • $0Setup & onboardingWe do the migration work
  • $0Cancellation feeMonth-to-month, leave anytime
  • $0Statement feeNo charge to see your own numbers
  • $0Batch feeSettle daily at no cost
Know your options

The three ways processors price — compared honestly

Each model can be right for someone. Flat rate is simplest at very low volume; above roughly $20k/month, transparency usually wins.

Flat rate

One blended percentage on every card, whatever it actually costs to process.

Simple to understand; fine at very low volume
You overpay on debit and basic cards — the blend is set high to cover the worst case

Best under ~$5k/month in card volume.

Tiered

Transactions sorted into "qualified," "mid-" and "non-qualified" buckets, each with its own rate.

Low advertised headline rate
The processor decides the buckets — most transactions land in the expensive ones

Rarely the right answer for anyone.

How we price

Interchange-plus

The card networks' wholesale cost, passed through at cost, plus one fixed markup you can see.

Transparent, auditable, and cheapest as you grow
Statements show more line items — a little more to read

Best at $20k+/month, where transparency compounds.

The guarantee

Send us your statement. We’ll beat it — or tell you to stay.

A real analysis of a real statement, back to you within 24 business hours. If your current deal is genuinely good, we’ll say so in writing. No pressure calls either way.

  • Statements handled confidentially, never shared
  • Line-by-line comparison in 1 business day
  • No obligation, no follow-up spam
Statements come to us by email
Tell us about your business below, then send any recent month to hello@punapay.com

We reply within 1 business day. Your statement is never shared.

Pricing questions, answered plainly

It splits your cost into two visible parts: interchange (the wholesale fee set by Visa, Mastercard, and card-issuing banks — the same for every processor) plus our fixed markup. You see both on every statement, so you always know what the processing itself cost and what we earned.