Quite simply, unlike other higher and hidden fee processors, we treat you fairly by charging a small margin over the cost from Visa, MasterCard and Discover. So we charge you, the client:

0.30% over the interchange percentage (if interchange is 1.05% we charge you 1.35%)
$0.10 over the interchange per transaction cost (if interchange is $0.10 we charge you $0.20)
$10 for the monthly statement fee