Transparent Interchange Plus Pricing
Pay the actual cost set by the card networks, plus one small, fixed markup. Every fee is itemized, so you always know what you’re paying and why.
What Is Interchange Plus Pricing?
Interchange Plus is a pricing model where you pay two things on each card sale: the interchange fee set by the card networks, and a fixed markup from your processor.
Because the two parts are listed separately, you can see exactly what goes to the card networks and what goes to your processor. There are no bundled tiers hiding the real cost.
How Interchange Plus Works
1. A customer pays by card
2. Interchange is passed through at cost
3. A fixed markup is added
4. Your statement shows it all
Interchange Fees vs. Processor Markup
| Interchange fees | Processor markup | |
|---|---|---|
| Who sets it | The card networks (Visa, Mastercard, Discover, American Express) | Your processor |
| Does it change? | Varies by card type and how the card is accepted | Fixed in your agreement |
| Can it be negotiated? | No, it’s the same for every processor | Yes, and it’s customized to your business |
| Where you see it | Itemized on your statement | Itemized on your statement |
Who Should Use Interchange Plus?
Businesses that want one price
Growing and higher-volume businesses
Online and phone sales
Businesses tired of surprises
Interchange Plus vs. Dual Pricing
| Interchange Plus | Dual Pricing | |
|---|---|---|
| Prices your customers see | One price for everyone | A cash price and a card price |
| Who pays for card acceptance | Your business, at a transparent rate | Offset by the card price |
| Best for | Businesses that want one price and itemized costs | In-person businesses that want to cut card costs |
Get a Custom Processing Quote
Your markup is set around your business: your volume, your average ticket, how you take payments and your current statement. Send us a recent statement and we’ll show you your effective rate today and what you’d pay with Interchange Plus.
Know exactly what you pay.
Request a free cost analysis and see your current costs next to transparent Interchange Plus pricing.