Interchange Plus Pricing
Maximum transparency. Minimum guesswork.
Interchange Plus pricing separates the interchange fee (set by Visa, Mastercard, and other card networks) from the processor's markup. You see exactly what the card network charges and exactly what your processor adds on top — no bundling, no hidden costs.
How It Works
Each transaction has two components: the interchange fee (which varies by card type, transaction method, and merchant category) and a fixed processor markup (e.g., 0.20% + $0.10). Your monthly statement itemizes every interchange category so you can see precisely where your money goes.
Advantages
- Complete cost transparency on every transaction
- Lower effective rates for debit and standard credit cards
- Detailed monthly statements with full interchange breakdowns
- Best long-term value for growing businesses
- No rate bundling or hidden qualifications
- Easy to compare across processors
Things to Consider
- Monthly statements can be more detailed and complex
- Rates vary by card type, so totals fluctuate month to month
- Requires some understanding of interchange categories
Best For
Mid-to-large businesses
Retail & e-commerce
Restaurants & hospitality
B2B companies
Frequently Asked Questions
What is an interchange fee?
Interchange fees are set by card networks (Visa, Mastercard, etc.) and paid to the card-issuing bank. They vary based on card type, transaction method, and industry.
How is this different from tiered pricing?
Tiered pricing bundles interchange into broad categories. Interchange Plus shows you the actual interchange cost plus a transparent, fixed markup — so you always know your true cost.
Will my rates change month to month?
The processor markup stays fixed. However, your blended cost may vary slightly depending on the mix of card types your customers use each month.
Ready to Get Started?
Contact our team to learn how Interchange Plus Pricing can work for your business. We will tailor a solution that fits your needs.