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Home / Utilities

Payment Processing Solutions for Utility Providers

Visa, MasterCard, and Discover offer incredibly low interchange rates to businesses that provide utility services. These special rates are called the utility interchange rates, and they can help to reduce your monthly credit card processing fees by up to 70%.

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QR Code Payment. Utility Billing Online. Payment of utilities using QR code and mobile dev
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Does My Business Qualify

If your business provides ANY of the following services, you're eligible for a Utilities merchant account:

  • Waste Disposal & Waste Management Sevices

  • Residential Trash Collection

  • Container Rentals

  • Roll-off Services

  • Water / Gas / Electric Distribution or Generation Services

  • Sanitary Utility Services


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What Are The Utility Interchange Rates

The most important thing to understand about a Utilities merchant account is that you do not pay a percentage discount rate on the credit and debit card payments you process. Instead, you only pay a flat, per transaction fee.

Example: If your business processes a Visa consumer credit card payment in the amount of $500.00, you will only pay a $0.75 transaction fee on that sale.

Typically you would pay a discount rate of between 1.5% to 2.5% plus a transaction fee. But with a Utilities merchant account, there are NO percentage rates; you only pay the flat, per transaction fees listed below:



Credit - $0.75

Rewards - $0.75

Signature - $0.75

Commercial - $1.50


Debit - $0.45

Credit - $0.65

Rewards - $0.75

World - $0.75

Commercial - $1.50


Debit - $0.75
Credit - $0.75
Rewards - $.75
Commercial - $1.50

Why Choose Diversified Payments?


Since 2008, Diversified Payments has been a trusted provider of secure and reliable payment solutions for thousands of merchants across various industries and sizes. Our management brings over 25 years of expertise in the processing space, ensuring unparalleled support and efficiency for businesses throughout the United States. 

Transparent Pricing

Discover peace of mind with Diversified Payments' Transparent Pricing. Our straightforward, easy-to-understand rates come with a Rate Lock guarantee, ensuring no hidden fees or surprises. No long-term contracts—just transparent and reliable payment solutions tailored to your needs.



With actionable data & insights, easy-to-use reporting & analytics, advanced fraud prevention & chargeback management, multi-account & location toggling, and our real-time Quickbooks Payments Sync, we have you covered. Our dashboard provides merchants and SaaS partners unmatched business management technology.

Benefits of Diversified Payments

Fast Approval

Get better processing now, don't wait. Many retail merchant services accounts are approved and activated same-day!

Free Equipment Program

Don’t lease or buy a new machine. 98% of our merchants qualify for free credit card terminals or processing equipment.

Top Rated Support

Our white-glove customer service gives you five-star treatment. You’ll never want another processor!

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Online Reporting

24/7 online access to a full reporting suite helps you track revenue and performance whenever you want it.

Same Day Funding

No more waiting for your deposits. You get same day funding so you can run your business without roadblocks.

Fee Re-imbursement

We offer cancellation fee re-imbursement up to $350 when you switch your processing to Diversified Payments.  

Request a call back

We want to hear from you. If you are interested in setting up a new merchant account with us, please contact us through the form below and we'll call between the hours of 9:00 AM and 7:00 PM EST, Monday-Friday. If you require assistance with an existing account, please call our customer service line 24/7/365.

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