Vagaro offers competitive credit card processing rates as well as a wide range of other benefits, including the ability to sell services, products, memberships, products, and gift certificates online, store credit cards, create cancellation, and no-show policies, and require credit card payments online.
Additionally, you become eligible to receive a free credit card reader once the application is approved. This includes the Vagaro EMV Chip Readers.
To get started, click here.
Remember, we only offer merchant services to businesses in the United States. However, we are working on offering these services to other countries. Unfortunately, we do not have an ETA at the moment.
Let's take a closer look at the fees, rates, and benefits of signing up with Vagaro Merchant Services!
FANF stands for Fixed Acquirer Network Fee.
Card-Present FANF Rates
If you take card-present (swiped) payments, your FANF cost will depend on the number of locations you have and whether you’re considered a “high volume” industry.
|Number of Locations||FANF per Location||High Volume FANF per Location|
|4,001 or more||$65.00||$85.00|
If you have a monthly sales volume under $200, FANF will not apply. Businesses with a monthly volume of $200 – $1,250 will pay a FANF of 0.15% of the total volume instead of a fixed dollar amount from the table.
Card-Not-Present FANF Rates
If you’re accepting “card-not-present” transactions (either online where a customer enters their card details themselves, or where you or your staff key in the card details instead of swiping) you’ll pay card-not-present FANF rates. Card-not-present FANF is determined by your monthly volume at the rates listed in this table:
|Monthly Volume||Monthly Fee|
|$1,250 - $3,999||$7.00|
|$4,000 - $7,999||$9.00|
|$8,000 - $39,999||$15.00|
|$40,000 - $199,999||$45.00|
|$200,000 - $799,999||$160.00|
|$800,000 - $1,999,999||$450.00|
|$2,000,000 - $3,999,999||$1,000.00|
|$4,000,000 - $7,999,999||$2,000.00|
|$8,000,000 - $19,999,999||$4,000.00|
|$20,000,000 - $39,999,999||$8,000.00|
|$40,000,000 - $79,999,999||$16,000.00|
|$80,000,000 - $399,999,999||$45,000.00|
|$400,000,000 or more||$70,000.00|
As with card-present rates, if you have a monthly sales volume under $200, the FANF will not apply. If your volume is $200 – $1,249, you’ll pay 0.15% of the total volume instead of a set dollar amount.
What if my business has some card-present and some card-not-present?
If some of your transactions are card-present and some are card-not-present on the same merchant account, the card-present fees will still apply by location. The card-not-present fees will still apply by volume, but only the card-not-present transactions will be used to determine that volume.
You have a single location business that has 90% card-present transactions and 10% card-not-present transactions.
Your total sales volume is $100,000 in one month. You will be charged the card-not-present FANF rate for $10,000 of volume. (10% of $100,000.) You could expect to pay $15 in card-not-present FANF costs.
- ACH Return ($20): Customers are required to keep banking information up to date. If the account information on file is wrong, to no fault of VMS, and/or we fail verify your back account information based on information you provided, a $20 fee will be charged for any deposit that is returned due to inaccurate bank account information.
- ACH Reject ($20): If your account is frozen or impacted due to a negative status, your financial institution may reject deposits. Each rejected deposit will automatically incur a $20 fee.
- Chargeback ($20): Upon a consumer initiating a charge back, the consumer’s financial institution immediately and without notice impounds the exact amount of funds at dispute from your account. We will provide details of the charge back transaction, instructions/process on how to dispute and impose a $20 fee.
- Retrieval ($20): In the event your customers request their financial institution to investigate a transaction, VMS, per request, provides transaction information which automatically triggers a $20 retrieval fee.