We do not sell a processing rate on this page — your effective rate is interchange plus a markup set by the sponsoring bank at underwriting. What you can buy here is the gateway plan your volume needs and the risk modules that keep your ratio under the scheme thresholds. Every plan is billed monthly and cancellable with 30 days written notice.
Four things that are not a paid module here because a merchant in this category cannot operate safely without them.
Card data is captured in fields served from our PCI DSS v4.0.1 environment and never touches your server, which keeps your own attestation at SAQ A. Your exact scope is confirmed in writing at boarding.
Tokens are yours. Request a full PCI-compliant vault export at any time and we deliver it to your next processor within 30 days of the request, including on the day you leave.
Your TC40 and TC15 counts, your combined VAMP ratio and your Mastercard ECM dispute count against the current thresholds, sent every Monday whether the numbers are good or bad.
One person who knows your file, reachable on a direct line during ET and CET hours. Not a ticket queue and not a live-chat agent counter on a landing page.
Plan fees are gateway and service fees only. They sit alongside the processing costs set in your merchant agreement.
Send three months of statements and we will map your volume to a plan before you buy anything.
underwriting@meridianrails.comPlan and module fees shown on this page are gateway and service fees. They exclude interchange, card-scheme assessments, cross-border and currency-conversion charges, chargeback handling fees and any rolling reserve. Your effective processing rate is set at underwriting by the sponsoring bank and disclosed in the merchant agreement before signature.
All plans bill monthly in advance and renew automatically on the same calendar day each month until cancelled. Cancel with 30 days written notice by email to billing@meridianrails.com or from the merchant portal. If your underwriting application is declined, the plan is cancelled and all fees charged since purchase are refunded in full within five business days.
Meridian Rails Payments, LLC is a registered ISO/MSP of Harbor Point Bank, N.A., Wilmington, Delaware. Merchant accounts are issued by the sponsoring bank; Meridian Rails is not a bank and does not hold merchant funds.
Purchasing a plan does not constitute approval. No approval is guaranteed and every application remains subject to underwriting, KYB/KYC verification and OFAC screening.
What is excluded
Interchange, scheme assessments, cross-border and FX fees, chargeback handling fees and reserve withholding are not part of any plan price shown here.
How underwriting sets your rateVault portability
A PCI-compliant token export is delivered to your nominated processor within 30 days of a written request, at no charge, including on cancellation.
Ask the deskComplaints
Billing disputes go to complaints@meridianrails.com and are acknowledged in writing within two business days.
Escalation route