INTERCHANGE PLUS
Interchange Plus.
Know your processing costs.
Pay exact wholesale interchange costs plus one transparent processor markup. Get a custom quote tailored to your business and transaction volume.
INTERCHANGE PLUS
See each cost layer.
Wholesale interchange
At cost
Network assessments
At cost
Processor markup
Agreed
Wholesale costs + a separately agreed processor markup.
Works with the terminals you know
Know what you pay.
Transparent pricing broken down clearly into three simple parts on every statement
Wholesale interchange + network assessments + your agreed markup
Wholesale interchange
The underlying cost of each card transaction, passed through at cost.
Card network fees
Visa, Mastercard and other network assessments, shown separately.
Your agreed markup
One clear processor markup, set out in your quote.
See your costs more clearly.
BEFORE A PRICING REVIEW
Start with the full statement.
01
Transaction charges
Review
02
Recurring account fees
Review
03
Equipment costs
Review
Identify every cost before comparing plans.
A statement full of questions.
Different rates and separate charges can make the total hard to follow.
Illustrative merchant scenario.
What Interchange Plus means for your costs.
Six useful facts to help you read your statement and compare a processing quote.
Wholesale costs pass through
Interchange is passed through at cost rather than bundled into a single flat rate.
The markup is separate
Your quote identifies the processor’s percentage markup and per-transaction charge.
Card mix affects cost
Debit, credit and rewards cards can carry different underlying interchange costs.
Payment method matters
In-person and remote transactions can qualify for different rates.
Monthly totals tell more
Your effective rate is total processing fees divided by total card sales.
Compare the full quote
Include account fees, equipment costs and contract terms—not just the advertised rate.
More ways to serve your customers.
Choose the payment methods that fit your sales channels. Available options depend on your hardware, software and approved account setup.
Countertop checkout
Contactless cards
Credit & debit
Digital wallets
Tableside payments
Online checkout
Payment links
Digital receipts
What we look at in your statement.
The right comparison starts with your actual business—not a sample rate. A recent statement helps us understand where your costs come from.
Your payment mix
We look at monthly volume, average sale size, and how customers pay—in person, online or by phone.
Your full processing cost
We separate transaction charges from recurring account fees and equipment costs, so a low headline rate doesn’t hide the total.
Your next step
You receive a written quote. Before any switch, we confirm terminal compatibility and explain the setup requirements.
Common questions.
YOUR STATEMENT, EXPLAINED
Clarity starts with the details.
PROCESSING REVIEW
✓
Card costs
Interchange + network assessments
✓
Processor markup
Shown separately in your quote
✓
Full account cost
Include recurring and equipment fees
Compare the complete picture before you choose.
How is Interchange Plus priced?
You pay the card’s wholesale interchange, network assessments and an agreed processor markup. Your quote sets out the percentage, transaction fee and any account charges.
Can I use my current terminal?
Often, yes. We check your terminal, software and processing setup before recommending a change.
What happens after I request a quote?
We review your current statement, explain the fees and prepare a written quote. You can compare the full cost before making a decision. PCI requirements still apply.
Why does my effective rate change each month?
Your effective rate reflects the mix of cards, transaction sizes and payment methods processed that month. Compare total processing fees with total card sales, rather than judging one transaction rate.
What should I compare in a processing quote?
Look at the percentage markup, per-transaction charge, recurring fees, equipment costs and contract terms. Ask which charges are included and which are billed separately.
YOUR NEXT STEP
Start with a clear comparison.
Share a recent processing statement. We’ll review the fees, check your equipment and prepare a written quote so you can compare the full cost.