TWO PRICING MODELS
INTERCHANGE PLUS
/
SURCHARGE
Choose the model that fits your business. Pay the true cost of processing with a flat 0.50% markup — or pass card costs to the customer and run on a flat $24.99/mo platform fee.
INTERCHANGE FEE
SET BY NETWORKS
Visa, Mastercard & issuing banks. Varies by card type.
OUR MARKUP
0.50%
Flat. Same rate on every transaction.
WHAT YOU PAY
TRUE COST
Itemized on every statement. No hidden margin.
WHY INTERCHANGE PLUS +
A MODEL BUILT FOR MERCHANTS —
NOT FOR PROCESSORS.
TRANSPARENCY
Interchange and markup are itemized separately. You see exactly where every cent goes.
COST SAVINGS
Flat-rate (2.9% + $0.30) and tiered models bake in margin you can’t see. We don’t.
FLEXIBILITY
Your rate moves with the true cost of each transaction. Lower-cost cards stay lower-cost.
PREDICTABILITY
A consistent 0.50% markup makes budgeting and financial planning straightforward.
HOW WE COMPARE
THREE PRICING MODELS.
ONLY ONE IS HONEST.
REAL-WORLD EXAMPLE
$100,000 IN MONTHLY VOLUME.
Assuming an average interchange rate of 1.8%, here’s what each model actually costs you.
FLAT RATE
2.9% + $0.30
$2,900
+ Per Transaction Fees
- Margin baked into a single rate
- Penalizes low-cost card types
TIERED
QUALIFIED / MID / NON-QUALIFIED
$3,000
+ Often higher
- Tier definitions vary by processor
- Most cards downgrade to non-qualified
INTERCHANGE PLUS +
INTERCHANGE + 0.50%
$2,300
$1,800 interchange + $500 markup
- Itemized statements every month
- Save $600/mo vs flat rate
- No contract, no cancellation fees
Illustrative example. Actual interchange rates vary by card type, transaction method, and merchant category.
SURCHARGE MODEL
PASS THE COST.
PROTECT THE MARGIN.
Under compliant surcharge programs, the cost of accepting a card is passed to the cardholder — not absorbed by your business.
- Interchange is passed to the customer
- Assessments are passed through
- Processor markup is passed through
WE REVIEW ELIGIBILITY AND COMPLIANCE BEFORE IMPLEMENTATION.
MERCHANTS PAY ONLY
$24.99
/ MONTH
FLAT PLATFORM FEE
Near-zero processing overhead
Card costs are surcharged to the cardholder, compliantly.
Clear customer disclosure
Surcharge is displayed at the point of sale and on the receipt.
Card-brand compliant
Configured to Visa, Mastercard, and state-level rules.
SEE WHAT YOU'D PAY.
DOWN TO THE BASIS POINT.
Send us a recent statement. We’ll deliver a line-by-line breakdown of your true cost under Interchange Plus + — no obligation.