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Estimate your processing cost under interchange-plus pricing and compare it to a flat rate.
Interchange-plus pricing separates the cost you cannot control (interchange and assessments set by the card networks) from your processor’s markup. Because the markup is stated plainly, it is easy to compare and usually lower than a flat or tiered rate at steady volume.
The total dollars you run through cards in a month.
This sets how many transactions the per-sale assessment applies to.
The percentage a provider adds over interchange. Lower is better.
Your cost has two parts. The first is interchange and assessments, which go to the card networks and the issuing bank and are the same for everyone. The second is your processor’s markup, a fixed percentage and sometimes a per-transaction fee. Add them and you have your effective rate.
Interchange averages around 1.8% but varies by card type and how you accept the card. See your true blended number with the processing fee calculator.
Interchange-plus trims your cost by making markup transparent. Dual pricing removes most of the cost entirely, because card-paying customers cover it.
For your exact interchange-plus rate, request a free statement analysis.
A clear interchange-plus rate with no hidden tiers or padded fees.
Move the card cost to card payers and keep close to the full sale.
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