Payment processing
that's actually
transparent.
Certxa partners with CertxaPay (Host Merchant Services) — the only major processor that uses 100% interchange-plus pricing. No surprise fees, no tiered confusion, no flat-rate overcharge.
What is interchange-plus
and why does it matter?
❌ Flat-rate pricing (like Square)
Flat-rate processors charge everyone the same — say, 2.6% — regardless of the actual interchange cost. A debit card costs them 0.5% to process, but they charge you 2.6% and keep the difference.
✅ Interchange-plus pricing (CertxaPay)
CertxaPay passes through the exact interchange rate set by the card network, then adds a small, fixed markup. You see exactly what the interchange costs and exactly what CertxaPay charges.
Your exact rates.
Nothing hidden.
CertxaPay uses interchange-plus pricing. Your rate = Visa/MC/Discover/Amex interchange rate + CertxaPay markup below. Interchange rates are set by card networks and fluctuate; CertxaPay markup is fixed.
| Business Type | CertxaPay Markup | Per-Transaction Fee | Example: $100 Sale |
|---|---|---|---|
| Retail / In-Person Salon Your plan | + 0.25% | + $0.10 | ~$0.35 (+ interchange) |
| Restaurant / Quick Service | + 0.20% | + $0.09 | ~$0.29 (+ interchange) |
| eCommerce / Online Booking | + 0.35% | + $0.10 | ~$0.45 (+ interchange) |
📊 Common Baseline Interchange Rates (set by card networks)
* Interchange rates are set by Visa, Mastercard, Discover, and Amex. They vary by card type, industry, and whether the card is present. These are representative figures — your actual interchange will appear on your monthly statement. CertxaPay does not mark up interchange.
Every CertxaPay fee.
Listed clearly.
| Fee Type | Amount | Notes |
|---|---|---|
| Monthly account fee | $0 | No monthly fee from CertxaPay |
| Setup / activation fee | $0 | No setup or onboarding fees |
| Cancellation fee | $0 | No long-term contracts, cancel anytime |
| Chargeback fee | $25 | Per disputed transaction, if chargeback is filed |
| ACH / eCheck processing | 0.50% + $0.25 | For bank transfer payments |
| PCI compliance fee | $0 – $9.95/mo | Waived for compliant merchants |
| Batch settlement | $0.10/batch | Daily settlement fee |
| Monthly minimum | $0 | No minimum volume required |
| International card surcharge | +0.40–0.60% | Applied by card networks, passed through at cost |
| Statement fee | $0 | Digital statements, no paper fee |
Note: All rates shown are CertxaPay's standard rates for salon and beauty businesses. Your specific rates may vary based on processing volume, card mix, and account setup. Contact us for a personalized rate quote. Rates current as of 2025 — contact CertxaPay directly for the most up-to-date schedule.
Professional terminals
built for salons.
Djavoo terminals are used in high-volume retail and salon environments across the US. EMV-certified, PCI-compliant, and built to handle the busiest checkout lines.
Djavoo Z1
The workhorse of the Djavoo lineup. Full-size touchscreen, integrated thermal receipt printer, and a fast processing chip. Perfect for busy front desks.
Djavoo Z11
Cordless and rechargeable — bring checkout directly to the styling chair. Ideal for stations without a nearby counter or for mobile beauty pros.
Djavoo Z9
A sleek PIN pad and payment terminal combo designed for multi-lane checkout. Great for salons with separate cashier and consultation areas.
Terminal pricing: Djavoo terminal hardware pricing is set by your merchant services provider (CertxaPay) and may include purchase, lease, or free-placement options depending on your processing volume and account terms. Contact us to get hardware pricing specific to your account.
Accept everything
clients want to pay with.
Not all processors are
created equal.
| Feature | CertxaPay | Square | Stripe Terminal |
|---|---|---|---|
| Pricing model | Interchange-plus | Flat-rate 2.6% | Flat-rate 2.7% |
| Monthly fee | $0 | $0–$60 | $0 |
| Cancellation fee | $0 | $0 | $0 |
| Long-term contract | None | None | None |
| Chargeback protection | ✓ | Limited | Limited |
| Industry-specific rates | ✓ | ✗ | ✗ |
| Interchange transparency | Full itemization | ✗ Hidden in flat rate | ✗ Hidden in flat rate |
| Dedicated account manager | ✓ | ✗ | ✗ |
Ready for transparent
payment processing?
Start your 60-day free trial and get access to CertxaPay payment processing, Djavoo terminal integration, and the full Certxa platform — all in one place.
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