KeyTransact: Payments

Tired of watching processors quietly skim another 1% off every transaction? KeyTransact is a payment processor built for merchants who are done paying the platform tax. Charge cards, Apple Pay, Google Pay, and ACH from your phone — at a rate you can actually predict. No surprise commissions. No "Connect fee" stacked on top of the headline rate. No unilateral pricing changes shipped in a Friday email. WHY KEYTRANSACT • Honest pricing — 2.7% + 25¢ flat, or a 0% commission monthly plan for high-volume merchants. Pick the one that fits how you make money. • No platform fee — what we quote is what you pay. No 1% Connect surcharge layered on top. • PCI-compliant tokenization — card data never touches your servers. • Real-time disputes and refunds — see the full chargeback timeline as it unfolds, not three days later. • Recurring billing and invoicing built in — subscriptions, one-off invoices, and saved customers in the same dashboard. • Cards, Apple Pay, Google Pay, and ACH on day one — every payment method your customers actually use. • Pass-through chargeback fees at cost — no markup, no extra "dispute handling" line item. • Runs alongside your current processor — A/B test us against Stripe before migrating a single recurring customer. WHAT'S IN THE APP OVERVIEW — Your daily dashboard. See volume, successful charges, and recent transactions at a glance, with stat tiles for the numbers you actually check. TERMINAL — Take a payment in seconds. Type an amount, charge a card, send a receipt. Works for in-person, phone orders, and on-the-go invoicing. TRANSACTIONS — Full history with statuses, amounts, and customer detail. Drill into any charge for the receipt, the processor response, and the refund or dispute trail. SETTINGS — Manage your account, payout method, team, and notification preferences. Everything you'd open a laptop for, available from the phone. PRICING Two ways to pay. Both honest. Flat-rate 2.7% + 25¢ per successful transaction, or a 0% commission monthly subscription calibrated to your volume — usually the better deal once you cross roughly $30k/month. We'll quote it before you commit. WHO IT'S FOR E-commerce merchants tired of platform fees. SaaS founders who want recurring billing without a separate billing vendor. Service businesses charging customers in the field. ISVs who want to embed payments under their own brand under one contract. GET STARTED Sign up, verify your business, connect your bank, and start charging. No demo call. No sales rep. No three-week underwriting limbo. Start in minutes. Keep your margin.