Interchange-Plus Pricing: Transparent, Scalable, and Fair

Not all credit card processing fees are created equal. If you’re absorbing the fees instead of passing them along to customers, interchange-plus pricing is usually your most transparent and cost-effective option.

💡 What is Interchange-Plus Pricing?

Every time a customer swipes their card, part of the fee goes to the card-issuing bank. That’s called the interchange fee—and it’s non-negotiable.

What is negotiable is the markup added by your processor.

Interchange-plus pricing = Interchange (wholesale cost) + a small markup.

We believe this is the most honest and scalable model for businesses who prefer to absorb processing costs.

✅ Why Choose Interchange-Plus?

Total transparency – You see exactly what the card brands charge vs. what your processor charges.
Fairness at scale – As you grow, your rates can improve.
Lower effective rates – Especially on debit cards and rewards cards.
No “one-size-fits-all” markup like flat-rate providers

Example:

A basic debit card may cost only 0.5% at the wholesale level. If you’re paying 2.9% across the board, you’re overpaying by a lot.

🧾 How It Works

We review your business type, volume, and setup needs to build a pricing structure that fits.

Typical starting rates for a new, low-risk business:

Interchange + 0.50% + $0.25 per transaction + Monthly Fee (Monthly fee varies based on features like PCI compliance, same-day funding, and software needs.)

Have a competing offer? We’ll match or beat it—guaranteed.

⚠️ Flat Rate vs. Interchange-Plus

Flat Rate

2.9% for everything? Easy—but expensive
You never know your true cost
High margin on low-cost debit

Interchange-Plus

Variable, based on the card used
Full visibility into wholesale fees
More fair and flexible as you scale

🛠️ Already Using Stripe or Square?

We can show you exactly what you’re paying—and how to improve it.

No guesswork. No contracts. No pressure.

👋 Ready to See Your True Rates?

Let’s break down your current fees and show you how interchange-plus can save you money. To get a free statement analysis, simply email your last month's merchant services statement to [email protected].

Request a Free Analysis →