Fee Schedule

Effective: 2026-05-04

Mithly uses interchange-plus pricing — you pay the published card-network interchange rate, plus a flat margin and per-transaction fee. No tiered pricing, no markups on interchange, no hidden monthly fees.

Card Processing

Per-transaction rateInterchange + 0.35%
Per-transaction fee$0.10

Applies to all card-present and card-not-present transactions, including Visa, Mastercard, American Express, and Discover.

What this looks like in practice

Mithly average blended rate

~2.2%

Interchange (~1.75% typical) + 0.35% + $0.10

Stripe standard rate

2.90%

Flat 2.9% + $0.30 per online transaction

On $100,000 processed per year:

Mithly~$2,170
Stripe~$3,100
You keep~$930 more (~30% less in fees)

Assumes a $150 average charge (~667 transactions/year). Effective rate varies with your card mix — debit-heavy gyms save up to 40%, while high-rewards-card volume saves less. Interchange figures based on typical US retail averages and are subject to network changes.

Disputes & Chargebacks

Per dispute$30.00

Charged when a cardholder initiates a dispute or chargeback. The fee is not refunded regardless of dispute outcome.

What's Not Charged

  • No monthly minimums
  • No statement fees
  • No PCI compliance fees
  • No setup or onboarding fees
  • No early termination fees

Questions?

If you have any questions about this fee schedule, contact us at support@mithly.app.