Online Payment Processing Built for Small Businesses
Fair interchange-plus pricing. Every channel in one dashboard. Support that actually picks up.
Interchange-plus pricing
You pay the card network's actual cost plus a fixed margin. Not a flat rate that always charges the maximum.
Every channel, one dashboard
Accept payments in-person, online, or over the phone. All transactions and payouts in one place.
Support that actually picks up
Real humans, 5-hour average ticket resolution. No chatbot loops, no ticket queues.
No long-term contracts
Month-to-month. No setup fees. Leave when you want. Most don't.
Pay Only What Payments Actually Cost
Most processors charge a flat rate on every transaction. Whether a customer pays with a basic debit card or a premium rewards card, you pay the same fee — usually the highest one. Finix uses interchange-plus pricing: you pay the card network's actual cost plus a small fixed margin. Lower-cost cards cost less. You see every component of every fee.
No surprise charges at month end. No reserve holds. No hidden gateway fees. Designed for businesses processing $5,000 or more per month.
Every Way Your Customers Want to Pay
Cards, digital wallets, or bank transfers. Finix supports every major payment method so you never lose a sale at checkout.
Accept Payments Wherever You Do Business
Most small businesses juggle separate tools for in-store and online payments, then reconcile across two dashboards at month end. Finix connects every channel in one place. Card reader in-store. Hosted checkout online. Payment link by text or email. Virtual terminal for phone orders.
One dashboard. One payout. One support team.
Everything You Need to Accept and Manage Payments
Online, in person, recurring, or on demand. Finix gives you every tool in one place.
Pricing That Works for Your Business
Finix uses interchange-plus pricing — you pay the card network's actual cost plus a small fixed margin. No flat rates. No surprises.
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Frequently asked questions about payments for SMBs
Finix has a $250/month minimum fee. It works best for businesses processing $5,000 or more per month. If you're below that today, we're happy to revisit when your volume grows.
Finix is a payment processor, not a POS. It works alongside your existing POS software. For businesses without POS hardware, payment links and the virtual terminal cover most in-person and phone use cases with no hardware required.
Square and PayPal charge a flat rate on every transaction — you always pay the highest tier. Finix charges interchange-plus: the card network's actual cost plus a fixed margin. Lower-cost cards cost less. The difference adds up quickly at higher volumes.
Finix has a $250/month minimum fee. It works best for businesses processing $5,000 or more per month. If you're below that today, we're happy to revisit when your volume grows.
Finix is a payment processor, not a POS. It works alongside your existing POS software. For businesses without POS hardware, payment links and the virtual terminal cover most in-person and phone use cases with no hardware required.
Hosted checkout and payment links require zero technical setup. Both are live in hours — no code, no developer, no waiting.
Our support team averages a 5-hour ticket resolution time. You get real humans, not a chatbot. Dispute management tools are also built into your dashboard.
No. Finix is month-to-month with no long-term commitments and no setup fees.