Flat Rate Interchange Plus Dual Pricing
Pricing Model 2 of 3

Interchange Plus.
The most transparent pricing in payments.

You pay the actual cost of accepting each card, set by Visa, Mastercard, and the banks, plus a small, fixed markup. No bundling. No hiding. You see exactly what everything costs.

Talk to us about Interchange Plus →
How it works

The actual cost of the card,
plus our fixed markup

Every card type has a different interchange rate set by the card networks. A basic debit card is cheap. A luxury travel rewards card is expensive. With interchange plus, you pay the real cost of each card, no more, no less.

The formula
True interchange
~1.65%
set by Visa/MC/banks
+
Our markup
0.20%
small fixed margin
+
Per transaction
$0.10
network fee
=
Your total rate
~1.85%
varies by card type
1

Customer pays

They use their card, debit, credit, rewards, business

2

Card type identified

The network identifies exactly what the card costs to process

3

True cost + markup

You pay actual interchange plus our small fixed margin

4

Full transparency

Your statement shows every card type and its exact cost

Live example, $100 sale

Watch how interchange plus breaks down

$100 sale, 3 different card types
💳
Basic Debit
Interchange % 0.05%
Per transaction $0.25
Our markup 0.20% + $0.10
On a $100 sale you receive
$99.40
($0.05 + $0.25 + $0.20 + $0.10 = $0.60)
🏦
Standard Credit
Interchange % 1.65%
Per transaction $0.10
Our markup 0.20% + $0.10
On a $100 sale you receive
$97.85
($1.65 + $0.10 + $0.20 + $0.10 = $2.05 + $0.10 txn)
✈️
Premium Rewards
Interchange % 2.40%
Per transaction $0.10
Our markup 0.20% + $0.10
On a $100 sale you receive
$97.30
($2.40 + $0.10 + $0.20 + $0.10 = $2.80 txn fees)
💡 With flat rate you'd pay 2.6% + $0.10 on ALL three cards, even the debit card that costs just $0.30 total. Interchange plus saves you that difference on every single debit transaction.
ℹ️

Estimated rates only. Interchange rates vary by card type, card network (Visa, Mastercard, Amex, Discover), and your business category (SIC/MCC code). These figures represent general market averages for common card types in a typical retail environment. Your actual interchange will differ based on your specific MCC, transaction type (card-present vs card-not-present), and the cards your customers use. Always review your actual interchange schedule with your processor.

Honest breakdown

The good and the not so good

✅ Where interchange plus wins

  • 👍Most transparent model, you see every cost, every card type on your statement
  • 👍Best savings at higher volumes, the more you process, the more you save vs flat rate
  • 👍You benefit when customers use cheaper cards (debit, basic credit)
  • 👍Impossible to hide fees, everything is line-itemed and visible
  • 👍Industry standard for serious merchants, supermarkets, chains, high volume

⚠️ Where it gets complicated

  • 👎Your monthly cost varies depending on what cards customers use
  • 👎Statement is more detailed, takes more time to understand at first
  • 👎Not worth it if you process under ~$10K/month
  • 👎Some processors use it as a cover to hide markups, make sure you know your markup
Best fit

Interchange plus is built for
merchants who are growing

🏪

Retail stores

🍽️

Restaurants

🏥

Medical offices

🏗️

Contractors

🛒

Supermarkets

⛽

Gas stations

🏨

Hotels

📦

Ecommerce

Think interchange plus could save you money?

Send us your last statement, we'll do a free line-by-line review and show you exactly how much you'd save on interchange plus pricing.

Get a free statement review →
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