Pooled Payment Processing

Lower credit card processing fees through combined transaction volume across all Market Express vendors. Save on interchange rates, processing fees, and payment gateway costs.

Volume Pricing Without the Volume

Small and medium-sized businesses typically pay 3.5-4% + transaction fees for credit card processing. Market Express combines transaction volume from all vendors to unlock enterprise-level interchange rates— even if you're only processing $10,000/month.

Typical Rate Comparison

Standard Merchant
2.9%
+ $0.30/transaction
Typical for businesses processing <$50K/month
$10,000 in monthly sales:
Processing fees:$290
Transaction fees (100):$30
Total monthly cost:$320
Mid-Tier Volume
2.4%
+ $0.25/transaction
Typical for $50K-$250K/month volume
$10,000 in monthly sales:
Processing fees:$240
Transaction fees (100):$25
Total monthly cost:$265
BEST VALUE
Market Express
2.0%
+ $0.20/transaction
Enterprise rates at any volume
$10,000 in monthly sales:
Processing fees:$200
Transaction fees (100):$20
Total monthly cost:$220
SAVE $100/month (31%)

* Rates shown are examples. Actual rates depend on your business type, average transaction size, and card mix (debit vs credit, domestic vs international).

How Pooled Processing Works

1

Combined Transaction Volume

Market Express processes millions in credit card transactions monthly across all vendors, qualifying for enterprise interchange rates

2

Single Merchant Account

We maintain the relationship with payment processors (Stripe, Authorize.net, etc.). You don't need separate merchant accounts or PCI compliance certifications.

3

Payment Gateway Integration

Your marketplace storefront or website connects to our payment gateway. Customers checkout using our secure payment form.

4

Automatic Fund Distribution

Funds from customer orders are automatically distributed to your US bank account, minus processing fees and our marketplace commission

Supported Payment Methods

Credit & Debit Cards

  • Visa
  • Mastercard
  • American Express
  • Discover
  • International cards (150+ countries)

Digital Wallets

  • Apple Pay
  • Google Pay
  • PayPal (optional integration)
  • ACH bank transfers (US customers)

Security & Compliance

  • PCI DSS Level 1 Compliance
    Market Express maintains PCI compliance so you don't have to. We never store customer credit card data.
  • Fraud Detection
    Advanced fraud screening for all transactions using machine learning and velocity checks
  • 3D Secure (3DS) Support
    Optional two-factor authentication for high-value transactions and international orders
  • Chargeback Protection
    We handle chargeback responses and represent your interests with card networks

Important Notes

  • •Pooled payment processing is only available for transactions through the Market Express marketplace platform
  • •If you have your own website outside our marketplace, you'll need a separate merchant account
  • •Processing fees are deducted from your payouts automatically (no separate invoicing)
  • •American Express has slightly higher interchange rates (typically +0.5% vs Visa/Mastercard)
  • •International card transactions may incur additional 1% cross-border fee (pass-through from card networks)

Ready to Lower Your Payment Processing Costs?

Join Market Express and access enterprise payment processing rates without enterprise volume requirements

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