Payments & software platform
Payments and software, built to your specifications.
A merchant portal, cloud terminal, dynamic dual pricing and invoicing, engineered around how your business actually runs. Every piece is configurable to your operation. No off-the-shelf pricing, no off-the-shelf software.
No long-term contracts No equipment leases A real person when you call
Who we are
We listen first. Then we craft the right path.
BlkFin is a payments and software company. We build the portal, the terminal, the pricing programs and the reporting, and we measure our success in revenue kept and relationships earned.
01
Listen & understand
We learn your volume, your card mix, your counter, and what you actually want from a processor: lowest cost, zero cost, simplicity or better service. We find your priority before recommending anything.
02
Diagnose & expose
We analyze your processing statement and show you exactly what you pay, line by line. Hidden fees, manufactured tiers, rate creep, equipment leases. No opinion, no spin, just the truth about where your money is going.
03
Craft the right path
There is no one-size-fits-all answer. Based on your goals and your actual numbers, we design a pricing path that fits: transparent interchange-plus, dual pricing, or a surcharge program.
04
Partner in execution
We don't hand you a plan and disappear. We stand it up, explain every line, and stay on call as your business grows. You get a dedicated partner, not an 800 number.
Why us
Built on fairness. Proven on results.
Transparency first
We make our money the same way regardless of which program you choose: a flat, disclosed markup. We have no incentive to push you into a more expensive path.
Proven experience
We've onboarded merchants across restaurants, retail, healthcare, automotive and professional services, and read the statements that came with them. That experience shapes every configuration we ship.
A real person, not a bot
When you call, a human picks up. No phone trees, no chatbots, no offshore call center reading from a script. Your point of contact knows your account and the industry, and they stay with you.
Partner, not vendor
We succeed when you keep more of your revenue. No long-term hostage contracts, no equipment leases, no rate creep. Just fair pricing and service that earns the next month.
The platform
A merchant portal and terminal, built to your specifications.
You set the requirements and we engineer to them, from the fields on your receipts to the terminals on your counter.
Merchant portal
One console for every location
Transactions, batches, funding, recurring billing, invoicing and disputes, across as many locations as you operate. Access is scoped per user, reports are built to the columns you define, and every tool is ready the moment your account is live.
- Transaction, batch and funding reporting across every location
- Virtual Terminal for keyed and recurring card and ACH payments
- Recurring billing, customer vault and payment plans in one console
- Custom reports with your columns and daily delivery
- Role-based access for every team member you invite
Cloud-managed
Updates and menus pushed remotely
One account
Counter and back office share one system
Dual pricing ready
Dual pricing and surcharge modes built in
P2PE encrypted
Contactless, chip and swipe
Cloud terminals · PAX A80 & A920 Pro
Provisioned with the Virtual Terminal
The PAX A80 and A920 Pro are cloud-connected smart terminals, provisioned with the BlkFin Virtual Terminal so your counter and your back office share one system. Receipt fields and terminal menus are configured to your specification before the device ships.
Dynamic dual pricing
Zero-cost processing, built into the platform.
Dual pricing isn't a bolt-on. It runs through the terminal, the Virtual Terminal, recurring billing and invoicing: one program, configured to your business, across every way you take a payment.
Dynamic dual pricing
Cash price. Card price.
Publish a cash price and a card price. The customer chooses how to pay, and your processing cost drops to zero: no monthly fees and no equipment charges, and we help you stay PCI compliant every year so you never pay a non-compliance fee. The rate, signage and receipt language are configured to your business and your state.
- $0.00 processing cost: eliminated, not reduced
- Configurable rate, set to your margins and market
- Compliant signage and receipt disclosure handled for you
Dual pricing subscriptions
Recurring billing on dual pricing
Apply dual pricing to recurring billing and installment plans through the Virtual Terminal. Each plan carries the correct card price, saves the payment method securely, and bills on the schedule you set.
- Subscriptions and installment plans on dual pricing
- Cards on file, securely tokenized
- Your frequency, start date and number of payments
Invoices with QR codes
Get paid from a scan
Build invoices with your fields and a QR payment link. The customer scans, pays, and the invoice updates automatically. No app, no login. Invoices carry your logo and terms, and land in the same reporting as every other sale.
- QR payment link on every invoice
- Your custom fields, logo and terms
- Reconciled automatically in your reporting
Quick estimate
See your savings in thirty seconds
Not ready to upload a statement? Enter your monthly volume and current rate for an instant estimate across all three BlkFin programs.
Your numbers
What you pay today
$1,820/mo
3.50% effective rate. Higher than it should be. A statement review will show exactly where it goes.
Traditional
0.49% + $0.10 over interchange, no junk fees
You save
$514/mo
$6,163 a year
Dual Pricing
Card customers cover processing
You save
$1,820/mo
$21,840 a year
Surcharge
Credit covered by the cardholder, you keep debit low
You save
$1,534/mo
$18,408 a year
Get the full breakdown
Upload a statement for a line-by-line review. No cost, no obligation.
Estimates only. Traditional assumes interchange of about 1.8% plus BlkFin's 0.49% + $0.10 per transaction; the real figure depends on your card mix. Dual Pricing assumes a 3.5% card price. Surcharge assumes 70% credit volume with debit at about 1.5% + $0.15.
Your options
Choose the program that fits your business
Some merchants want to keep their costs low. Some want to eliminate them entirely. Here are three transparent BlkFin programs, each priced on the numbers you entered above.
Traditional pricing
Fair pricing. No junk. Real support.
Best for: Merchants who want fair, transparent pricing with no junk fees and support that actually shows up.
We cut out the junk: no batch fees, no statement fees, no manufactured charges. You get a fair, transparent interchange-plus rate, backed by service that answers the phone. We're not racing to the bottom on price; we charge a fair rate and prove it every month. If your current pricing is already competitive, we'll tell you straight. If you're unhappy with your provider's service, we'll match your rate and deliver the support you deserve.
- True interchange-plus pricing, no tiered games
- No batch fees, statement fees or junk charges
- No long-term contracts or early termination fees
- Annual PCI compliance help, so you avoid non-compliance fees
- A fair, transparent rate backed by real human support
Your monthly statement
- Monthly volume
- $52,000
- Current fees
- $1,820
- New rate
- ~2.51%
- New fees
- $1,306
- Monthly savings
- $514
Dual Pricing
Cash price. Card price. Zero processing cost.
Best for: Merchants who want to offer a cash price and a card price.
Dual Pricing lets your business display two prices: a cash price and a card price. Your customer sees both clearly and makes their own choice. Just two honest prices. The result: your processing cost drops to zero. No monthly fees, no annual fees, no equipment charges, and we help you stay PCI compliant every year so you avoid non-compliance fees.
- $0.00 processing cost: eliminated, not reduced
- No monthly or annual fees
- No equipment purchase or lease costs
- Annual PCI compliance help, so you avoid non-compliance fees
- Clear signage and receipt language, fully compliant
Your monthly statement
- Monthly volume
- $52,000
- Current fees
- $1,820
- New rate
- 0.00%
- New fees
- $0
- Monthly savings
- $1,820
Surcharging
Pass credit costs. Keep debit low.
Best for: Merchants who want to eliminate credit card costs and are fine covering the lower cost of debit.
With surcharging, a 3% surcharge is passed to your customer on credit card transactions only. Debit card transactions stay with you at a much lower cost, typically 0.50–1.00%. This isn't dual pricing: it's a disclosed surcharge on credit cards, allowed in most states. You remove most of your processing expense while keeping debit affordable.
- 3% surcharge on credit cards, paid by the customer
- Debit at true interchange cost
- Compliant with Visa and Mastercard surcharge rules
- Clear receipt disclosure, no hidden surprises
Your monthly statement
- Monthly volume
- $52,000
- Current fees
- $1,820
- New rate
- Debit only
- New fees
- $286
- Monthly savings
- $1,534
All three programs are delivered by BlkFin, a merchant services company built on transparency, fair pricing and respect for business owners.
Payment solutions
Expect more from your processing partner.
Online, in-store, self-service and mobile, including EMV and contactless. From a cloud POS that runs your whole business to a portal that runs your whole payments operation: one platform, no hidden fees.
Restaurant POS
Full-service, quick-service and bar in one build. Table layouts, course pacing, split checks and a color-coded Kitchen Display System.
Retail POS
Real-time inventory with low-stock alerts, UPC scanning, age verification and weight-based pricing.
Dual pricing at the register
Card price and cash price on every sale, with a compliant two-line receipt. No manual math.
Self-ordering kiosk
Customers order and pay themselves. Shorter lines, fewer errors, inventory synced in real time.
eCommerce
Sync your in-store catalog to an online store, with inventory updated across every channel.
Real-time analytics
Sales, labor and inventory on your phone, so you can check the numbers from anywhere.
Inside the merchant portal
One portal that runs your whole payments operation.
The Virtual Terminal is just the beginning. Every BlkFin merchant gets the complete portal, ready the day they're boarded.
Virtual Terminal
Toggle dual pricing and the card and cash prices are calculated on every sale. Take cards with point-to-point encryption, or record cash sales in the same reports.
Customers & recurring
Save customers, keep cards on file, and build subscription and installment plans with weekly, monthly or yearly billing.
Batches & funding
Daily batch detail, deposits, and funding that ties out to your bank statement. Drill from a deposit to its batches and transactions.
Transactions & search
Find any transaction by last four, amount or date. Filter by location and export for your accountant.
Multi-location
Switch locations or see all of them at once: volume, refunds and chargebacks across your whole business, with per-location access for your team.
Dual pricing invoices
Send compliant invoices with built-in payment links and your custom fields. Paid invoices reconcile automatically.
Chargebacks & disputes
Chargebacks and retrievals with reason codes and due dates, so nothing slips past the response window.
Custom reports
Your receipt fields become report columns. Save reports for one location or all, and have them emailed daily.
PCI compliance
Your compliance status right in the portal, and we help you complete it every year so you never pay a non-compliance fee. Encryption and tokenization shrink your scope.
Users & support
Add users with exactly the access they need, and open support requests without leaving the portal.
Cash sales
Record cash sales alongside card sales so your dual pricing books stay balanced.
Daily report
A morning email with yesterday's volume, count and refunds across every location.
Get started
Keep more of every sale.
See what you'd save
Upload your statement. In about 30 seconds you'll see your real rate and what you could keep.
Talk to an expert
Tell us about your business and we'll reach out. No pressure, no obligation.
Your information is encrypted and never sold Restaurants, retail, healthcare, automotive and more Works on any phone