Interchange-plus: the only pricing you can audit
Interchange is what the card-issuing bank charges. It is public, published twice a year, and identical for every processor. Interchange-plus shows it, then shows the markup separately.
What you get
- Card-brand interchange passed through at cost
- Fixed markup in basis points plus a per-transaction fee
- Every transaction auditable against published tables
- No tiers, no 'non-qualified' bucket, no reclassification games
- Markup that steps down as volume grows
Auditable
You can verify any transaction against Visa and Mastercard published rates. Tiered pricing is unauditable by design.
Downgrades stop hiding
Under tiered pricing a downgrade is invisible. Under interchange-plus it shows up as a specific category you can fix.
Volume actually helps
Growth reduces the markup rather than quietly moving transactions into worse tiers.
Best for steady volume
Below that, a good flat rate can win on simplicity. We tell you which side of the line you are on.
Quoted from your statement, not from a rate card
We do not publish a single rate for interchange plus because a single rate would be a guess. Your cost depends on card mix, average ticket, monthly volume, how much of it is keyed or online, and your industry's risk profile.
Send one statement. Usually within 4 hours you get your real effective rate, every fee named, and a quote you can compare line by line against what you pay now.
- No long-term contract and no cancellation penalty
- No PCI fee and no non-compliance fee
- No statement fee, no monthly minimum
- A named expert, reachable by phone
Interchange Plus, answered
It depends on card-present versus card-not-present, average ticket and volume. Compare quotes on the markup (the percentage and per-item fee above interchange) rather than the effective rate; our interchange-plus guide shows how. See our full interchange-plus vs flat rate comparison for a worked example.
Not always. At low volume or with small tickets, flat rate can win. We model both from your actual statement.
Because 'qualified / mid-qualified / non-qualified' lets them reclassify transactions into more expensive buckets without changing a single published rate.
See how interchange plus works in your industry
Send one statement. Every fee named, back, usually within 4 hours.
It is free, there is nothing to sign and nothing to cancel. We read your current merchant statement line by line, name every fee on it — including the ones buried in the fee schedule — work out your true effective rate, and send the written analysis back, usually within 4 hours. Do not want to wait? Call 1-888-705-7896 and we will read your statement with you on the call in about 5 minutes.
Every fee named, usually within 4 hours. Or call now and we quote you on the spot.
Everyone else in this industry says twenty-four hours. We say four — and if that is still too slow, pick up the phone and get your numbers while you are on the call. No contract, nothing to cancel, no pressure.