In person
Countertop terminals for chip, tap and swipe.
Native-owned payment processing
Get paid. Keep more. Give back.
Sovara Nation Pay is a Native-owned payment processing company. We help businesses lower their credit card processing fees with honest, transparent pricing: every fee disclosed up front and no long-term commitments. And 10% of our profits goes to Tribal nonprofits.
Get a free detailed analysis of your processing fees. Free, and it takes minutes. Checking your rates could save your business thousands of dollars a year. Where do I find my statement?
Card sale$100.00
Card network costsat cost
Processing feequoted by FNP
APPROVED
Two costs on every sale, and we show you both. Any other fee is listed in your written quote. Nothing hidden.
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Proudly Native-owned
Rooted in Native community, here for every business.
Every fee up front
Honest pricing you can see on every statement.
No long-term commitments
Stay because it works, not because a contract says so.
Built to give back
10% of our profits goes to Tribal nonprofits.
Every way to get paid.
One merchant account for credit and debit card processing at the counter, online, on your phone and by invoice.
Online
Secure checkout for your website.
On the go
Mobile readers for events, deliveries and pop-ups.
Invoices
Send a pay link and get paid by card.
Card processing fees
Do you know what you pay to take cards?
Every time a customer pays by card, part of the sale goes to processing fees. Many business owners have no idea what those fees are, what they add up to each month, or how much of their revenue they give up to them. Here is what you are paying for.
01
Card network costs
Interchange and network fees, set by Visa, Mastercard and the banks. Every processor pays the same rates.
02
The processor's markup
What your processor adds on top: a percentage, a fee on every sale, or both. This is where processors differ, and it is often hidden inside blended or tiered rates.
03
Extra fees
Monthly, statement, PCI, gateway, terminal-lease and minimum fees. Each one looks small, but together they add up.
How much is your business paying?
Here is an example. A business with $50,000 a month in card sales and an effective rate of 3.5% pays $1,750 a month in processing fees, or $21,000 a year. Lowering that rate by half a percentage point keeps $250 a month, or $3,000 a year, in the business.
$21,000a year in fees on $50,000 a month in card sales, at 3.5%
$3,000a year kept by paying half a point less
An example, not a quote. Your effective rate is your total fees divided by your card sales; the Rate Analyzer works it out from your statement. Savings depend on your card mix, volume and current pricing and are not guaranteed.
Our goal is simple: help you understand exactly what you pay, make every fee transparent, and help you keep more of your revenue.
Run a free Rate Analyzer
Get a free detailed analysis of your processing fees. Read: processing fees, explained
Simple, honest pricing
Two costs on every sale. We show you both.
With interchange-plus pricing, you see what the card networks charge and what the processing fee is, side by side, in an itemized quote before you decide. How interchange-plus pricing works
Card network costs
Passed straight through at cost, with no markup. Every processor pays the same rates.
The processing fee
One processing fee, agreed in writing before you sign and shown on every statement.
No long-term commitments
No hidden fees
Every fee itemized
We look past the rate.
Send us a copy of one processing statement and we'll read it closely, work out your true effective rate and find where the money goes.
- Downgrades and surcharges hidden in your statement
- Junk fees, PCI fees and monthly minimums
- Terminal leases and gateway or platform fees
- Card mix, large-ticket and business-to-business pricing
- Lower rates you qualify for: government, utility, charity and small-ticket programs
- Compliant surcharging where it is allowed
Free Rate Analyzer
Are you paying too much to take cards? Find out in minutes.
Many businesses never check their processing rates, and fees can creep up over time. Get a free detailed analysis of your processing fees. Upload your processing statement and our free Rate Analyzer shows your true cost, your effective rate and any hidden fees. Checking your rates could save your business thousands of dollars a year.
- Your true cost and your effective rate
- Hidden markups and extra fees found on your statement
- An instant quote, if you qualify, showing what you could save
Run a free Rate Analyzer
Free, no obligation. Your statement files are deleted as soon as the analysis is done.
Where to find your processing statement
It's the monthly statement from the company that processes your card payments, not your bank statement. It lists your card sales and every fee you paid that month.
- 1Check your processor's website or app. Sign in and look under Statements, Reports or Documents, then download the latest month as a PDF.
- 2Search your email. Many processors email a statement every month. Search for “merchant statement” or “monthly statement”.
- 3Or just ask. Call your processor's customer service and ask for your last three monthly merchant statements as PDFs.
Not sure who your processor is? It's usually the name on your card terminal or point-of-sale system, or the name next to your card deposits on your bank statement. Take cards through an app like Square, Stripe or PayPal? Download your monthly sales and fees report. Still stuck? Call 1-844-4-SOVARA and we'll help.
Savings depend on your card mix, volume and current pricing and are not guaranteed.
A person, not a call center
Real people, when you need them.
You get one rep who knows your business, picks up the phone, and keeps checking your statements as you grow, backed by First Nationwide Payments' support team.
Tribal nations and enterprises
Hotels, dining, retail, fuel and government services, with RFP-ready documentation.
Shops, restaurants and service businesses
Retail shops and salons, restaurants, and online and mobile sellers.
B2B and government suppliers
Invoices, pay links and business-to-business pricing.
Native-owned businesses, and every business
Anyone who wants a fair deal with a good cause.
Casino venues are served once bank approval and gaming-commission registration are in place.
For Tribal nations
Why Tribal nations partner with us.
Native ownership. Native foundation. Native leadership.
1
A Native-owned vendor
Supports Tribal procurement goals and Native-vendor preference policies.
2
Fees that come back home
10% of our profits goes to Tribal nonprofits that support Native entrepreneurs, business owners and communities.
3
Ready for enterprise
Multi-location hospitality and retail, with RFP-ready documentation.
4
Real people
Your own rep knows your account, backed by First Nationwide Payments' support team.
Giving back
of our profits goes to Tribal nonprofits.
Sovara Nation Pay gives 10% of its profits to Tribal nonprofits across the country. It comes out of our own profits after operating costs, before our owners take a share, and it will be written into our operating agreement.
Every card you run helps.
When your business processes with us, part of what we earn goes back to Native communities. Native or not, every card you run helps.
Our nonprofit partners
Tribal Leadership CouncilA Native-led nonprofit in Lawton, Oklahoma. Our Co-Founder Justin Barrett is its President.Visit their website
Native Youth FoundationInspiring, educating and uplifting Indigenous childrenVisit their website
We’re proud to support the Tribal Leadership Council and the Native Youth Foundation, chosen by our Native owners, and the communities they bring together.
Tribal Leadership CouncilA Native-led nonprofit in Lawton, Oklahoma. Our Co-Founder Justin Barrett is its President.Visit their website
Native Youth FoundationInspiring, educating and uplifting Indigenous childrenVisit their website
About us
Native-owned. Native-led.
Sovara Nation Pay is a Native-owned payment processing company, 51% owned and controlled by enrolled Tribal members who make the decisions and set the direction.
Our mission is simple: help your business keep more of the money it generates by lowering your processing fees, and give back to Native communities.
Sovara Nation Pay | Get paid. Keep more.
Justin Barrett
Co-Founder · Eastern Shawnee Tribe of Oklahoma
Gene Dixon
Co-Founder · Pauma Band of Luiseño Indians
How it works
Starting is simple.
Send us your latest processing statement and we'll take a close look, for free. Then we'll arrange a written quote from First Nationwide Payments, the registered ISO that provides the merchant account, so you can see the difference before you decide.
- 1Share your contact details. Run a free Rate Analyzer, or reach out by email.
- 2Set up a review call with our team. Confirm your processing statements, or bring them to the call.
- 3Get a written quote from First Nationwide Payments, every rate and fee itemized.
- 4Fill out the Sovara Nation Pay Pre-Application and sign up.
That's all. Then start saving on processing fees and keep more of your sales revenue.
Free · Results in minutes
Want a quote? Try our free Rate Analyzer.
Analyze your current processor's rates and find any hidden fees and costs. Run your statements through our free Rate Analyzer. You might be surprised by what you see. You can also see if you qualify for an instant quote showing what you could save.
Checking your rates could save your business thousands of dollars a year. Where do I find my statement?
Run a free Rate AnalyzerGet a free statement review & analysis. If we can't save you money, we'll tell you.
Email info@sovarapay.com or call 1-844-4-SOVARA. Send a copy of your latest processing statement and we'll review it for free. We keep it confidential.
No obligation. We'll reply within one business day.
Email us
Statements you upload to the Rate Analyzer are deleted as soon as the analysis is done. We keep only the results, so your rep can follow up, and we never sell them. Security is our top priority.
Know what you're paying.
Plain-English guides to card processing costs.
Tribal enterprises
Payment processing for Tribal enterprises
Card processing for hotels, dining, retail, fuel and Tribal government services, and how we handle casino venues.
GuideCredit card processing fees, explained
What you pay on every sale, who sets each fee, and eight ways to lower your costs.
GuideWhat is interchange-plus pricing?
How it compares with flat-rate and tiered pricing, and when it saves you money.
Questions?
What is interchange-plus pricing?
You pay the card networks' actual costs (interchange and network fees) plus one fixed processing markup. It's the most transparent way to price card processing. Read the guide.
How can I lower my credit card processing fees?
Start by checking your statement for markups hidden inside blended or tiered rates, and for monthly fees you didn't agree to. Then compare an interchange-plus quote. We'll do that review for free. See eight ways to lower fees.
Where do I find my processing statement?
It's the monthly statement from the company that processes your card payments, not your bank statement. Sign in to your processor's website or app and look under Statements or Reports, search your email for “merchant statement”, or call your processor and ask for your last three monthly statements as PDFs. Then run them through our free Rate Analyzer. More help finding it.
How much will I pay?
What the card networks charge, plus one processing fee. You get both in writing from First Nationwide Payments before you sign. Any other fee is listed in your written quote.
Who owns Sovara Nation Pay?
Sovara Nation Pay is Native-owned and Native-led: 51% owned and controlled by enrolled Tribal members. Our Co-Founders, Gene Dixon and Justin Barrett, run the company.
How does the 10% giveback work?
10% of our profits goes to Tribal nonprofits. It's calculated from our own profits after all operating costs and set aside before any profits are shared with our owners. It will be written into our operating agreement. Our nonprofit partners include the Tribal Leadership Council and the Native Youth Foundation.
Do I have to be a Native-owned business?
No. We serve Native-owned businesses and every business that wants a fair deal with a good cause. Native or not, every card you run helps.
Do you work with casinos?
Casino venues, including hotels, restaurants, shops and event centers at a casino, are served once bank approval and gaming-commission registration are in place. Read about Tribal enterprises.
Do I need new equipment?
Not always. Many terminals can be reprogrammed. If you need new ones, First Nationwide Payments quotes them in writing with your rates.
When do I get my money?
First Nationwide Payments confirms deposit timing in writing with your quote.
What if I want to leave?
You can. Accounts are month-to-month, with no long-term commitments.