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 p