[MCA]

Most CC companies have buy rates. As far as lowest buy rates, those who make their own buckets have the lowest. However, just as with most things, you aren't going to get great rates if you do not have volume.

Almost NO CC processor has buy rates (unless you are dealing with high risk accounts), they offer rev share splits typically based off interchange pricing. Some will have a few bps built on top of their quoted interchange or bin fees etc..

You should look for your rev share to be tiered base on your volume, for example

start off at 60/40 split in your favor
Once your monthly portfolio hits either a # of accounts or monthly volume it increases to 70/30
and then once you have hit certain volume, you should be able to get to 80/20 split with your provider.

Also, take into consideration if you want upfront bonuses and free equipment, you will have more fees built into your schedule A from your processor to make up for those upfront cost.

If you are financially stable and don't need the upfront bonuses then I would look for a 70/30 - 80/20 split out the gate.

Again ask 4 or 5 of the best processing partners for their schedule A and make sure you understand what is in there and what your 70% or 80% is truly, 70% of what, straight interchange or interchange plus 5 - 10bps on top?

I would highly recommend EPI, Mike Nardy the CEO is a stand up guy and leader in this space. https://electronicpayments.com/ their agent site = https://www.bankcardprogram.com/

A second recommendation would be https://www.nuveipartner.com/partner...t-partnerships

You can't go wrong with either processing relationship, in fact I would have 2 or 3 relationships with different processors when starting out. See who it is easier to work with and who offers you the most additional tools to add to your sales.

Best of luck