What you actually pay
depends on the card.
Simpli POS doesn't charge a flat rate on every card. We use interchange-plus pricing — you pay the card network's real wholesale rate, plus a small, published markup. Here's what that means in plain English, and a calculator to estimate your own rate.
What is interchange?
Every time a customer pays by card, a small fee — interchange — flows to the bank that issued the card. It varies by card type: a basic debit card costs less to accept than a premium rewards card. Flat-rate processors like Square charge you the same percentage either way, which means simple debit transactions quietly subsidize the expensive rewards cards.
Why interchange-plus is usually cheaper
With interchange-plus, you pay the actual interchange for each card, plus our fixed markup: Interchange + 0.30% + $0.10 (transparent). At typical volumes, that markup is small enough that the total usually comes out below a flat-rate processor's all-in percentage — see for yourself below.
Estimate your rate
This is an estimate based on a typical range of interchange costs (1.5%–2.1%) — your actual rate depends on your specific card mix. This range assumes a typical debit/credit mix; a rewards-card-heavy portfolio can push your actual interchange cost higher than the range shown.
Enter your numbers above to see an estimate.
Ready to get started?
Tell us a bit about your business and we'll set up your merchant application — no SSN, EIN, or bank details needed here.
Pricing & billing questions
How is Simpli POS priced?
Simpli POS software is free forever — no setup fee, no monthly fee, and no per-terminal fee, with unlimited transactions on every device. You only pay standard interchange-plus processing fees if and when you choose to accept card payments through our integrated merchant account. If you take cash only, Simpli POS costs you nothing.
Are there any hidden fees?
No. The software is free forever — every feature is included, there's no tier to upgrade into and nothing gated behind a paywall. If you accept card payments through our integrated merchant account, you pay transparent interchange-plus processing fees, published on our site — that's how we earn revenue. Hardware you buy on your own is a one-time cost; we don't sell proprietary hardware.
Do I need to sign a long contract?
No. There is no plan to sign up for — Simpli POS software is free forever with no contract. If you accept card payments through our integrated merchant account, that's month-to-month as well, with no long-term commitment. You can stop using it any time.
How do I cancel or close my account?
There's no subscription to cancel — the software is free forever with nothing to unsubscribe from. If you also use our integrated merchant account for card payments and want to stop, you can close that any time from your account dashboard — no phone call required. Your data export remains available for 90 days after you stop using the app.
Download free.
Pay only when you get paid.
Simpli POS software is $0 forever. Accept cards through our integrated merchant account and you only ever pay the transparent rate above.