Abstract: An illustrative method according to a set of instructions stored on the memory of a computing device includes receiving, by a processor of the computing device, a request from a merchant device for payment processing services. The merchant device is associated with a first merchant. The method also includes receiving, by the processor, a request from the merchant device to associate with a group of merchants. The method also includes associating, by the processor, the merchant with the group of merchants such that the merchant is considered a part of the group of merchants. The method also includes determining, by the processor, a fee structure for the payment processing services for the merchant. The fee structure is determined based on a threshold met by the group of merchants.