--- title: How Much Does A My Well Merchant Account Cost? description: Price matters, and we want to help you make the best, informed decision. --- [Skip to content](https://help.mywell.org/how-much-does-a-my-well-merchant-account-cost#main-content) [![My Well Logo](https://help.mywell.org/hubfs/My%20Well%20Logo.svg)](https://www.mywell.org/) Open main navigation Close main navigation - [Sign In](https://app.mywell.org/sign-in) [Sign In](https://app.mywell.org/sign-in) How can we help? - There are no suggestions because the search field is empty. 1. [Help Center](https://help.mywell.org/?hsLang=en) 2. [Making A Switch](https://help.mywell.org/making-a-switch?hsLang=en) # How Much Does A My Well Merchant Account Cost? ## Price matters, and we want to help you make the best, informed decision. #### Background My Well Ministry leverages [Interchange Plus Zero Pricing](https://help.mywell.org/how-does-interchange-plus-pricing-work?hsLang=en). This is the most transparent model in the payment industry, and coincidentally, the model that assures you as an organization receive the lowest possible rate. Each transaction is simply charged at cost.  #### Interchange Fees If you haven't read about [Interchange rate and why you should care](https://help.mywell.org/what-are-interchange-rates-and-why-should-i-care?hsLang=en), now is a good time to check that out to fully understand our pricing model.  The card brands - Visa, Mastercard, Discover, and American Express - charge all banks and processors the same interchange rates regardless of their size. Software companies, banks, and processors then impose additional fees on top of those rates. At My Well Ministry, we do not add any extra fees. We pass on each interchange rate directly to you, keeping more money in ministry work. We see churches and ministries gouged beyond any other industry.  | **Description** | **Rates Range** | **Cost Details** | | --- | --- | --- | | Visa | 0.05% to 3.15% | [USA Interchange Reimbursement Fees](https://usa.visa.com/support/small-business/regulations-fees.html) | | Mastercard | 0.05% to 3.30% | [24-25 U.S. Interchange Rates](https://www.mastercard.us/content/dam/public/mastercardcom/na/us/en/documents/merchant-rates-2024-2025.pdf) | | Discover | 0.05% to 3.05% | - | | American Express | 1.60% to 3.03% | [Merchant Reference Guide U.S. Oct 24](https://www.americanexpress.com/content/dam/amex/us/merchant/new-merchant-regulations/Reference-Guide_EN_US.pdf) | | Misc Interchange Items |   | Uncategorized Interchange Fees | *The average effective rate across all My Well accounts is 1.75%. This includes all interchange fees, monthly fees, and individual transactions fees.* #### Ministry Access Fees The Ministry Access Fee covers a variety of fees required to keep your account operational. This enables us to provide dedicated technical support, seamless data migration, and hands-on implementation assistance. Additionally, your partnership helps us extend ministry outreach and deliver valuable resources tailored to your needs. In addition to the monthly fee below, there is a $0.30 per transaction fee. | **Transactions in a Month** | **Cost (USD)** | | --- | --- | | Less than 100 | $49.00 | | 101-250 | $99.00 | | 251-500 | $149.00 | | 501-1,250 | $249.00 | | 1,251-2,500 | $349.00 | | 2,501-5,000 | $499.00 | | 5,000+ | $499.00 + 100.00 per 1,000 additional transactions | #### Gateway Fees A payment gateway is a technology platform that enables a business to securely accept, process, and manage various payment methods - credit cards, debit cards, bank accounts, and digital wallets. Gateway fees are charges imposed by payment processors or gateway providers for facilitating these transactions between merchants and financial institutions. These fees typically cover the costs of securely transmitting payment data, processing transactions, and ensuring compliance with industry standards. - Authorize.net: $10 per month & $0.10 per transaction - NMI: $11 per month & $0.06 per transaction - ACH Feature is $20 per month and $.25 per transaction #### Final Notes There are no lengthy contracts that you are bound to. You simply pay month to month and you can cancel at anytime without penalty.  We hope this explains the breakdown of how much My Well Ministry's pricing. We believe that our incredibly low, at-cost pricing will help you best steward the money coming into your organization.  **Note:** If you have any specific questions or would like more information about My Well Ministry, please [connect with us](https://www.mywell.org/get-started)!   - [Getting To Know My Well Ministry](https://help.mywell.org/getting-to-know-my-well-ministry?hsLang=en) - [Making A Switch](https://help.mywell.org/making-a-switch?hsLang=en) - [Setting Up Your Organization](https://help.mywell.org/setting-up-your-organization?hsLang=en#main-content) - [Setting Up Your Merchant Account](https://help.mywell.org/setting-up-your-organization?hsLang=en#setting-up-your-merchant-account) - [Setting Up The My Well Giving Platform](https://help.mywell.org/setting-up-your-organization?hsLang=en#setting-up-the-my-well-giving-platform) - [Using My Well as a Giver](https://help.mywell.org/using-my-well-as-a-giver?hsLang=en#main-content) - [Account Settings](https://help.mywell.org/using-my-well-as-a-giver?hsLang=en#account-settings) - [Scheduled Gifts](https://help.mywell.org/using-my-well-as-a-giver?hsLang=en#scheduled-gifts) - [Managing The My Well Platform As An Admin](https://help.mywell.org/managing-the-my-well-platform-as-an-admin?hsLang=en#main-content) - [Admin Portal](https://help.mywell.org/managing-the-my-well-platform-as-an-admin?hsLang=en#admin-portal) - [Settings and Tools](https://help.mywell.org/managing-the-my-well-platform-as-an-admin?hsLang=en#settings-and-tools) - [Rock RMS Sync](https://help.mywell.org/managing-the-my-well-platform-as-an-admin?hsLang=en#rock-rms-sync) - [Planning Center Online Sync](https://help.mywell.org/managing-the-my-well-platform-as-an-admin?hsLang=en#planning-center-online-sync) - [Managing A My Well Merchant Account](https://help.mywell.org/managing-a-my-well-merchant-account?hsLang=en) [![My Well Logomark](https://help.mywell.org/hubfs/My%20Well%20Logomark.svg "My Well Logomark")](https://www.mywell.org) Thank you for your continued partnership in ministry. We're honored to support you in your mission. Copyright © 2025, My Well Ministry