Optimize costs with lower rates for certain card types.
Scale efficiently by adapting pricing to high-volume transactions for long-term savings.

Interchange-plus credit card processing is a pricing model that separates transaction fees into two components: the interchange fee set by card networks like Visa and Mastercard, and a fixed markup charged by the payment processor. While this model provides transparency, it can become costly for businesses, particularly those handling high-reward or corporate cards, which come with elevated interchange rates. Processor markups, often structured as a percentage plus a per-transaction fee, can quickly add up, especially for businesses processing a large number of small transactions. 

 Since interchange rates fluctuate based on card type, businesses using this model must actively monitor their processing costs, which can be unpredictable over time.

While interchange-plus can be more cost-effective for businesses with high transaction volumes and the ability to track fee structures closely, smaller businesses or those with inconsistent card usage may find cash discounting or surcharge pricing simpler and sometimes cheaper.

Ultimately, choosing the right credit card processing program depends on a business’s sales volume, transaction mix, and long-term financial strategy. We can help you find the best option that fits your business.