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Pricing & tools

Two calculators.
Honest math.

Model your savings under the 0% processing program, then check eligibility for working capital up to $500k+. No sales pitch — just numbers you can check against your statement.

Savings calculator

See what 0% processing actually saves you.

Drag the sliders. Numbers update live. We use a surcharge model: a small fee is added at checkout for card-paying customers. You receive 100% of your listed price.

Current statement

What you pay today

Flat-rate processor like Stripe or Square

  • Interchange (card networks) $0
  • Assessments & network fees $0
  • Processor markup $0
  • Per-transaction fee (0 txns) $0
  • Monthly, PCI, statement $29
Monthly total $0

Your savings

What you keep with PayMullet

  • Monthly $1,650
  • Annual $19,800
  • 5-year $99,000
Lock in my savings

How it works

  • A small service fee is added to each card transaction at checkout, covered by the customer, not you.
  • You receive your full listed price in your bank account.
  • Cash and debit customers pay the listed price with no fee.
  • Surcharging is legal in 45+ states. We handle compliance, registration, and signage for you.

A specialist will verify the math against your last statement and confirm your state's eligibility before you sign.

Working-capital estimator

See what you'd qualify for before you apply.

Funded through our partner Fundomate. Move the sliders to model eligibility based on your monthly card volume and time in business. Final terms are set by an underwriter after a 5-minute call.

Eligibility

You could qualify

Based on your inputs, you'd typically qualify for an offer in this range. Submit 3 months of statements to get a real number from an underwriter.

  • Minimum monthly revenue $10,000
  • Minimum time in business 12 months
  • Minimum FICO 600
  • Collateral required None

Estimates only. Final eligibility, offer size, and terms are set by an underwriter after reviewing your statements. A merchant cash advance is not a loan; repayment is taken automatically from your daily sales. No collateral or upfront fees required. Funding provided by Fundomate.

Frequently asked

The numbers behind the numbers.

How does the 0% processing program actually work?

PayMullet uses a surcharge model. A small fee (typically 3.5%) is added at checkout for card-paying customers. You receive 100% of your listed price. Cash and debit customers pay no fee.

Surcharging is legal in 45+ states. We handle registration and compliance.

Is the 2.9% + $0.30 baseline accurate for my business?

It matches Stripe, Square, and PayPal pricing — the most common flat-rate processors. If you're on interchange-plus or a different model, send your last statement and we'll model your actual savings.

What are the minimum requirements for working capital?

Three things: 12 months in business, $10,000 in average monthly revenue, and a 600 FICO score. No collateral required.

Most merchants who meet these thresholds get an offer.

How fast is funding?

Often same-day approval. Funds typically land in your account within 24 hours of signing. Submit 3 months of statements to start — the application takes about 5 minutes.

How does repayment work?

Automatic. Repayment is drawn as a percentage of your daily card sales — it flexes with your business, so slow weeks mean smaller payments.

No upfront fees. No personal collateral. No fixed monthly payment that hits you on a bad week.

Can I combine 0% processing with working capital?

Yes — and most merchants do. Processing lowers your card costs; working capital unlocks growth funds. Existing PayMullet processing merchants typically get faster approval and better terms.

Ready for a real quote?

Send your last statement. A specialist returns the math and the program that fits — usually the same day.

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