Clear payment processing for retail and service businesses.
Interchange-plus pricing, so you can see the card networks’ cost and our markup separately. Built for businesses processing about $20,000 or more per month in card payments.
Tell us what you pay today. We’ll review it and send a written comparison — and if your current pricing is competitive, we’ll say so.
- $0 monthly fee
- $0 PCI fee
- $0 setup
- Month-to-month
- Next-business-day funding
- No hardware lease
- Free rate review
Pricing you can read, terms you can leave
Honest pricing model
Interchange-plus: you see the card networks' cost and our markup, line by line. Interchange is the wholesale rate set by Visa and Mastercard — the same for everyone.
No lock-in
Month-to-month agreement with no early-termination fee and no hardware lease. You can see the terms before you decide.
People you can reach
Email or call us before you commit, and we will answer your questions about pricing, equipment and setup.
How much does credit card processing cost you today?
Your effective rate is everything you paid your processor last month divided by your monthly card-processing volume — the one number that cuts through fee jargon.
For a review of your own numbers, request a free rate review. We’ll send a written comparison — and if your current pricing is competitive, we’ll say so.
Enter your numbers to see what your current processing costs.
This shows your current cost from the numbers you enter. It is not a quote or a savings estimate — that needs a review of your real card mix.
Will Puna Pay work with your setup?
It depends on what you use today. Here is how we describe each case. Tell us your POS or software in the rate review and we will say plainly which one applies.
- Confirmed integration
- Bittsi PIMS, our veterinary practice software, is a confirmed integration with Puna Pay. This is the only third-party software we name as integrated.
- Standalone terminal
- A card terminal that works on its own, next to whatever POS or software you already use. You key or enter the amount on the terminal; it is not linked to your software.
- Browser-based tools
- Virtual terminal and payment links you open in a web browser. They do not require your POS or software to connect to us.
- Setup requiring review
- Anything else — a specific POS, an e-commerce platform, existing hardware you want to keep. Whether it works depends on the model, configuration and provisioning, so we review it before saying yes or no.
From request to decision, in five steps
- 1
Send a few numbers
- 2
We review your information
- 3
You get a written comparison
- 4
You decide
- 5
Setup, only if you proceed
Request a free rate review to start at step one, or see the full process.
A Bittsi brand, with a processing partner you can name
Puna Pay is a brand of Bittsi, the company behind Bittsi PIMS veterinary practice software. It is new, and we would rather say that plainly than imply a track record we do not have.
Payment processing is provided through North. Bittsi is an independent Sales Partner of North and is not North itself.
Find out where you stand.
Tell us your monthly card-processing volume and what you paid last month. We’ll review it and send a written comparison — and if your current pricing is competitive, we’ll say so.