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Pay at the Pump


If you are the owner of a new or existing independent gas station(s) or convenience store(s) with pay at the pump, then Credit Card Processing Services has the best program in the industry for you. CCPS has teamed up with Petroleum Card Services, the recognized leader in full service pay at the pump services for independent unbranded gas retailers. We can assist you whether you are looking to switch merchant services due to pricing or poor service issues, as well as if this is a brand new installation.

Unlike other merchant sales organizations that simply offer you an attractive discount rate and send you paperwork to issue a Merchant ID, Petroleum Card Services will hold your hand long after your first customer pumps their tank with gas. That is because pay at the pump processing is all they do – no retail stores, no restaurants, and no Internet businesses. You will receive expert advice during the interface coordination phase by working closely with your pay at the pump POS hardware supplier and pump technician. Once your system is installed, you will receive free toll-free support from a help desk that only handles pay at the pump service calls.

Credit Card Processing Services can assist you in applying to accept all of the major credit cards including Visa, MasterCard, American Express, and Discover, as well as Debit cards and EBT. We can also setup your business to accept the two major fleet cards, Wright Express and Voyager. Your transactions will be processed through Concord EFS and routed through the BUYPASS network which is the leading network for major brand fuel retailers. Concord’s BUYPASS network supports most all of the major interfaces built for pay at the pump.

Our pay at the pump pricing at Credit Card Processing Services is the best in the industry. Instead of quoting a 3-tiered rate plus a transaction fee like most companies and then you find out that many of your transactions are downgrading to the more profitable non-qualified categories for the processor what we do is price it based upon the exact interchange and dues/assessment costs from Visa and MasterCard and then add a very small fee for our services. The links to the card associations will show you the current interchange tables, however we would be glad to email or fax to you a combined chart so that you can easily view the interchange information

Here is the pricing for the CCPS Pay at the Pump program:

MasterCard and Visa
Exact Interchange & Dues/Assessments
+ 10 Basis Points + 5 Cents
American Express Current Amex Rate + 7 Cents
Discover Card Current Discover Rate + 7 Cents
Debit Cards (PIN-Based) Network Fee + 16 Cents
Wright Express 3.50 % + 15 Cents
Voyager 3.40 % + 9 Cents
Monthly Statement Fee $10.00
  • Above Pricing is for Merchants Processing via high speed IP

One of the most confusing part of pricing for most merchants is understanding MasterCard and Visa’s interchange structure. This is the actual cost that all processors in the United States pay to process their cards and is the starting point that all processors use when pricing a merchant.

Here is a chart showing the most common interchange categories along with the effective rates that CCPS pay at the pump petroleum merchants will encounter:

Brand
Type
Category
CCPS Effective Rates
Includes Exact Interchange,
Dues & Assessments (11 BP), Access Fees ($0.02),
10 BP + 5 Cents

Visa
Debit
CPS Automated Fuel Dispenser Regulated (Banks over $10B)
.26 % + $0.29
Visa
Debit
CPS Automated Fuel Dispenser Exempt (Banks under $10B)
0.96 % + $0.24
($0.95 Cap)
Visa
Debit
CPS Service Station – Inside
Regulated (Banks over $10B)
.26 % + $0.29
Visa
Debit
CPS Service Station – Inside
Exempt (Banks under $10B)
0.96 % + $0.24
($0.95 Cap)
Visa
Debit
CPS Small Ticket – ($15 & Under)
Regulated (Banks over $10B)
.26 % + $0.29
Visa
Debit
CPS Small Ticket – ($15 & Under)
Exempt (Banks under $10B)
1.81 % + $0.12
Visa
Debit
Commercial Retail Business Cards
.26 % + $0.29
Visa
Prepaid
CPS Automated Fuel Dispenser
Regulated (Banks over $10B)
.26 % + $0.29
Visa
Prepaid
CPS Automated Fuel Dispenser Exempt (Banks under $10B)
1.36 % + $0.22
($0.95 Cap)
Visa
Prepaid
CPS Service Station – Inside
Regulated (Banks over $10B)
.26 % + $0.29
Visa
Prepaid
CPS Service Station – Inside
Exempt (Banks under $10B)
1.36 % + $0.22
($0.95 Cap)
Visa
Prepaid
CPS Small Ticket – ($15 & Under)
Regulated (Banks over $10B)
.26 % + $0.29
Visa
Prepaid
CPS Small Ticket – ($15 & Under)
Exempt (Banks under $10B)
1.81 % + $0.12
Visa
Credit
CPS Automated Fuel Dispenser
Consumer Card
1.36 % + $0.32
Visa
Credit
CPS Service Station – Inside
Consumer Card
1.36 % + $0.32
Visa
Credit
CPS Small Ticket – ($15 & Under)
1.86 % + $0.11
Visa
Credit
Commercial Retail
Business Cards
2.41 % + $0.17
Visa
Credit
Commercial Retail
Purchasing Cards
2.51 % + $0.17
MC
Debit
Petroleum Automated Fuel Dispenser
Regulated (Banks over $10B)
.26 % + $0.29
MC
Debit
Petroleum Automated Fuel Dispenser
Exempt (Banks under $10B)
.91 % + $0.24
($0.95 Cap)
MC
Debit
Service Station – Inside
Regulated (Banks over $10B)
.26 % + $0.29
MC
Debit
Service Station – Inside
Exempt (Banks under $10B)
.91 % + $0.24
($0.95 Cap)
MC
Debit
Small Ticket – ($15 & Under)
Regulated (Banks over $10B)
.26 % + $0.29
MC
Debit
Small Ticket – ($15 & Under)
Exempt (Banks under $10B)
1.76 % + $0.11
MC
Credit
Petroleum Automated Fuel Dispenser
2.11 % + $0.07
($0.95 Cap)
MC
Credit
Petroleum - Inside
2.11 % + $0.07
($0.95 Cap)
MC
Credit
High Value Petroleum Base
2.21 % + $0.07
($0.95 Cap)
MC
Credit
World Petroleum
2.21 % + $0.07
($0.95 Cap)
MC
Credit
Business Face to Face – Petroleum
2.38 % + $0.17
MC
Credit
Business Corp Face to Face - Petroleum
2.43 % + $0.17
MC
Credit
World Elite Face to Face Petroleum
2.48 % + $0.17
Disc
Debit
Petroleum AIP
Regulated (Banks over $10B)
.25 % + $0.31
Disc
Debit
Petroleum AIP
Exempt (Banks under $10B)
96 % + $0.25
Disc
Credit
Petroleum AIP Rewards
1.93 % + $0.14
Disc
Credit
Petroleum AIP Premium
1.93 % + $0.14
Disc
Credit
Petroleum AIP Premium Plus
1.93 % + $0.14
Amex
Credit
Petroleum Station – All
3.25 % + $0.07
  • Above rates reflect current Visa and MasterCard interchange and dues and assessments (rounded off to 11 basis points) as publicly posted at www.visa.com and www.mastercard.com. Add the Access Fees of $0.0195 for Visa, $0.0185 for MasterCard, and $0.0075 for Discover. Discount rates are subject to change by bankcard associations.

Now that you are familiar with our pay at the pump program we would like to speak with you concerning your specific requirements. Please contact Kevin via email, call us toll-free at 800-717-1245, or complete the I Want More Info form below. When ready to sign up please complete the below Application Apply Online form.


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