About Kurepay
We didn't want to sell a rate.
Not out of virtue. Because it's a bad business — for the merchant, for the agent, and eventually for the processor too.
Every processor quotes off the same interchange table. The rails are the same rails, and there's very little that separates one company's cost from another's.
Which leaves nothing to compete on but the quote. So the industry competes on the quote. And because there isn't enough room inside it, the quote has to be one you can't honour — so it gets made back later. A rate that drifts at renewal. A line item under a name nobody can parse. A three-year term that makes leaving expensive enough not to bother.
None of that is fraud, exactly. It's what happens when the only variable is a number and everybody has the same number. The dishonesty isn't a character flaw in the industry; it's the shape of the industry.
We didn't want to run that business. You spend your life defending a basis point against whoever called your merchant last Tuesday, and the merchant learns to distrust you by the second year.
So we went and built the things that aren't a rate — software that runs the invoicing and the chasing, a program for the merchants already sitting on Square, and dual pricing for the ones who'd rather stop paying to get paid. None of those is a number on a sheet. Each of them is something a competitor either has or doesn't.
And then the processing gets to be honest, because it isn't carrying the whole pitch. That's the entire idea. Everything else on this site is a consequence of it.
What that commits us to
An argument is easy. This is the bill for it.
The quote is the price.
If we can't make the business work at the number we gave you, that's ours to solve, not yours to discover on a later statement.
You can leave.
Month to month. A processor that has to trap you has already told you what it thinks of its own product.
We'll say when it isn't us.
Some businesses shouldn't run dual pricing. Some are better off where they are. You'll hear that from us, because the alternative is a merchant who leaves in a year anyway.
How we sell it
Through people, on purpose.
Processing gets sold by agents and ISOs — people who know the businesses on their own high street. We'd rather arm them with three things nobody can quote against than ask them to win on a number they can't defend twelve months later.
Which is also why there is no signup button anywhere on this site
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Test it against your statement.
The argument above is worth exactly what it costs to write. Send a recent statement and we'll tell you plainly what we'd do differently — including the times the honest answer is nothing.