Integration with Your Ecosystem
Our APIs are built to integrate with your existing technology stack, allowing you to expand the POS functionality to fit your business requirements.
Inventory Management Systems
Customer Relationship Management (CRM)
Accounting Software
Our APIs are built to integrate with your existing technology stack, allowing you to expand the POS functionality to fit your business requirements.
​
Whether you need to connect your POS system to existing back-office tools or accounting platforms, our flexible APIs ensure seamless integration across all channels.
Inventory Management Systems
Customer Relationship Management (CRM)
Accounting Software
Eliminate Transaction Costs
By passing the payment processing fees to your customers, you can eliminate transaction costs for your business, increasing your profit margins and reducing operational expenses.
Seamless Integration
Our solution allows you to offer zero fee processing without overhauling your existing systems. Enjoy a hassle-free setup with full support from our team.
Flexibility in Fee Structure
Customize the fee application based on your business needs. You can choose to pass on a flat fee or percentage-based fee, depending on what works best for your customer base.
Streamline Your In-Person Payments
Our POS platform enables financial institutions, merchant acquirers, and value-added resellers to offer a branded point-of-sale solution that can drive more revenue and generate stickiness with merchants.
The offering is built with financial-grade security, seamless API integration, and real-time payment processing, making it ideal for banks, credit unions, and other merchant service entities looking to offer and monetize payment solutions.
Omnichannel Capabilities
Seamlessly accept payments in-store, online, and through mobile devices.
​
​
Advanced Reporting & Analytics
Real-time insights into sales, transactions, and inventory management.
​
Seamless API Integration
Our white-label APIs provide cutting-edge payment services to your merchants without the need for significant in-house development.
Point of Sale Applications
Designed with merchants in mind, our native iOS, Android and Embedded POS software provides an intuitive, user-friendly interface and a powerful backend. From single-location retailers to multi-location franchises, our POS platform helps manage sales, inventory, and customer relationships with ease.
Inventory Tracking
Automate inventory management, ensuring stock levels are always up to date with real-time tracking across multiple locations.
Product Catalogue
Manage and organize your inventory by creating detailed listings for each product, including descriptions, pricing, variants (size, colour, etc.), and SKU tracking.
Multi-Platform Support
Works on iOS and Android devices and can be combined with mobile card readers as well as all-in-one payment terminals.
Customizable Interface
Tailor the POS interface to fit your specific business needs, from retail to hospitality.
Integrated Payment Options
Seamless integration with various payment methods, including cards, mobile wallets, and cash.
Value added services and Integrations
Integrate our solutions with third party applications and provide value added services to your merchants.
-
Cloud accounting
-
Vendor payouts
-
Online stores
-
Chat channels
-
Loyalty programs
-
and more!
We provide native iOS, Android and Embedded applications that are feature-rich, user-friendly and secure.
-
Product catalogue
-
Inventory Management
-
Secure void/refund management
-
Multi-lingual support
Frequently Asked Questions
01
What is Interchange Plus Pricing?
Interchange Plus Pricing is a transparent payment processing pricing model where the merchant pays the interchange fee set by card networks (Visa, Mastercard, etc.), plus a fixed markup from the payment processor.
02
What is the difference between Interchange Plus, Tiered Pricing and Flat Rate Pricing?
Interchange Plus Pricing is a transparent payment processing pricing model where the merchant pays the interchange fee set by card networks (Visa, Mastercard, etc.), plus a fixed markup from the payment processor.
03
Are interchange rates the same for all transactions?
No, interchange rates vary depending on factors such as card type (credit vs. debit), the issuing bank, transaction risk, and whether the card was present during the transaction. Interchange Plus pricing reflects these differences directly, passing the actual interchange cost to you with no additional markups.
04
How do I know what interchange rate applies to my transactions?
We provide detailed reporting on every transaction, including the exact interchange fee charged by the card network. You’ll always have full visibility into your processing costs.
05
Can I negotiate the interchange fee?
Interchange fees are set by the card networks and are not negotiable by merchants or payment processors. However, our transparent markup ensures you only pay the interchange fee plus our fixed margin, giving you full control over your processing costs.
06
What does the "Plus" refer to in Interchange Plus?
The "Plus" refers to the payment processor’s markup, which is a fixed amount added on top of the interchange fee for each transaction. Common markups include a percentage (e.g., 0.30%) or a flat fee (e.g., $0.10) per transaction, added to the interchange rate. There may also be additional fees for monthly account maintenance, PCI compliance, or gateway usage.
07
How are interchange fees determined?
Interchange fees vary based on several factors: card type (credit vs. debit), transaction type (in-person vs. online), and the risk level of the transaction. These fees are published by the card networks but fluctuate based on these criteria.
08
Is Interchange Plus Pricing better for my business than other pricing models?
It depends on your transaction volume and card mix. Interchange Plus Pricing is typically more transparent and cost-effective for businesses with high transaction volumes, as it avoids inflated flat-rate fees.
09
Can I see a breakdown of my fees with Interchange Plus Pricing?
Yes, Interchange Plus Pricing is known for its transparency. Merchants can see the exact interchange fee for each transaction and the processor’s markup, allowing for easier cost analysis.
10
Are all card types covered under Interchange Plus Pricing?
Yes, but different card types (e.g., premium cards, rewards cards, corporate cards) have different interchange rates. High-reward or business cards usually carry higher interchange fees compared to standard debit or credit cards.
Contact Dream Payments
Drop us a message with any inquiries, questions, or business proposals
Contact Dream Payments
Drop us a message with any inquiries, questions, or business proposals
We keep your data safe & secure
At Dream, we give top priority to information security. We develop and uphold our processes and technology to align with established information security standards.
Cybersecurity Compliance
Service Organization Control Type 2 cybersecurity compliance framework developed by the American Institute of Certified Public Accountants (AICPA)
Card Transaction Compliance
Payment Card Industry (PCI) Data Security Standard (DSS). The PCI Security Standards Council (PCI SSC) is a global forum that brings together payments industry stakeholders to develop and drive adoption of data security standards and resources for safe payments worldwide.
Through our partnership with Dream Payments, we are automating and digitizing the claims payments process and enabling our insurance carrier clients to delight their end insurance customers with claims that are paid out to customers and suppliers across their preferred digital payment channels.
Tony Villa, Chief Executive Officer
What Our Clients Say
Reduce Development Work
Securely integrate and embed inbound and outbound payments directly into existing workflows.
Payment Data Integration
Pull digital payment data directly into financial reconciliation processes
Operational Efficiency & Automation
Streamline your internal operations with automated payment workflows, improving accuracy and reducing manual effort.
Automated Reconciliation
Payment Analytics & Reporting
Customizable Workflows
Customer Experience and Self-Service Portals
Empower your policyholders and 3rd party payees with digital self-service portals for managing payments, viewing claims status, and more.
Claims Status Tracking
Enable policyholders and 3rd party payees to track the status of their claims and payout disbursements in real time.
Digital Payment Preferences
Offer policyholders and 3rd party payees the ability to choose and update their preferred payment methods for both premium payments and claims payouts.
Mobile-Optimized
Provide a mobile-first experience, allowing policyholders and 3rd party payees to manage payments on the go.
Payment Gateway
Dream’s PCI certified gateway securely integrates into your payment processing host, putting a layer between your host and your mobile and smart terminals. This architecture absolves acquirers from the need to work with varying technology interfaces inherent in a multi-vendor approach, and provides a consistent management and communication layer, improving IT and support efficiency.
Payment solutions for merchants of all sizes
Provide a unified experience to a wide-range of customer segments
01
Mobile Applications
Pair a bluetooth card reader with our iOS and Android apps for an accessible and low-cost solution.
02
All-in-One Terminals
Accept payments faster with an Android-based all-in-one terminal.
03
Countertop Systems
Combine a sleek touchscreen with countertop hardware for a complete point-of-sale experience.
Drop us a message with any inquiries, questions, or business proposals
Empower Your Platform with Seamless Embedded Payments
01
Faster Time to Market
Our solution ensures a rapid time-to-market, minimizing the traditionally associated upfront costs and development time for payment facilitation. With a streamlined onboarding process, you can accelerate your go-to-market strategy in less than three months.
02
Eliminate Payment Processing Costs
Our solution empowers you to eliminate payment processing costs. You can pass on payment processing fees to your customers, allowing you to accept payments at no cost (0%). Navigate the complexities of surcharges, convenience fees, and service charges effortlessly with our user-friendly platform.
03
Improve Customer Experience
By integrating payments into your core product offering, we contribute to a unified and enhanced customer experience. Take control of onboarding and ongoing customer interactions, in order to deliver an integrated, user-friendly payment experience within your platform.
04
Unlock New Revenue Streams
Maximize the potential of your platform by making payments a robust source of new revenue. Our innovative revenue share program empowers you to earn on every transaction processed. Unlike relying on third-party referrals, our solution allows you to monetize the complete suite of financial services products.
Faster Time to Market
Our solution ensures a rapid time-to-market, minimizing the traditionally associated upfront costs and development time for payment facilitation. With a streamlined onboarding process, you can accelerate your go-to-market strategy in less than three months.
Eliminate Payment Processing Costs
Our solution empowers you to eliminate payment processing costs. You can pass on payment processing fees to your customers, allowing you to accept payments at no cost (0%). Navigate the complexities of surcharges, convenience fees, and service charges effortlessly with our user-friendly platform.
Increase Customer Experience
By integrating payments into your core product offering, we contribute to a unified and enhanced customer experience. Take control of onboarding and ongoing customer interactions, in order to deliver an integrated, user-friendly payment experience within your platform.
Unlock New Revenue Streams
Maximize the potential of your platform by making payments a robust source of new revenue. Our innovative revenue share program empowers you to earn on every transaction processed. Unlike relying on third-party referrals, our solution allows you to monetize the complete suite of financial services products.
“With the introduction of our outbound payment feature, property managers can pay vendors, return tenant deposits and send owner distributions, all with a few clicks on the Property Vista platform.
Now property managers can rely on Vista Pay for both inbound tenant rental charges and outbound operational payments. Dream's powerful, flexible payment distribution engine is key to driving this property management process transformation."
John-Paul Gaconnier, Chief Product Officer
What Our Clients Say
Clients and Partners
Since being founded in 2014, Dream Payments processes payments for businesses of all sizes. Our clients, partners, and investors include some of the leading banks, property management companies and insurance companies in North America.
