By Marcus Flynn, tracking and attribution editor. Updated 14 September 2026.
Published ranges
Expect a discount rate somewhere from 1.9% to 5%, and a per-item fee above the usual 10 to 15 cents. The application fee is listed at $0.
The rolling reserve on the same page is 5% to 10%, held for 90 to 180 days. Full approval is most often 1 to 3 business days once the documents are in.
Is it worth it?
What works
- Publishes a discount-rate band, a per-item fee note, and a rolling-reserve band on the public page.
- Lists the refund, fulfillment, subscription, support, and policy pages an underwriter expects to see.
- States a typical full-approval window when the documents are already complete.
What to watch
- The rate on your contract is still set in underwriting, so the published band is not the offer.
- A payments forum groups Durango with PayKings as decent for this work and more expensive than a standard account.
- Instant-approval language on the market still means a bank review, which Durango says outright.
Frequently asked questions
How much does Durango Merchant Services cost?
The page publishes bands, not a single rate. Your discount rate, the reserve inside that band, and the descriptor are set when the bank reviews the file.
Is there a free trial?
You wait on underwriting, commonly a few business days once the packet is complete. That wait is the approval, not a free trial of software.
Related reading
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