What interchange-plus pricing means
Interchange-plus pricing separates interchange from the provider’s markup. Network charges and other applicable fees may also appear in the total.
Use the pricing information and calculator as a starting point, then review a quote and agreement for your actual business. Estimates are not a guarantee of final costs.
Understand interchange · Explore credit card processing · Understand merchant accounts
Compare the whole agreement
Look beyond a single percentage. Review transaction charges, account and service fees, hardware costs, funding arrangements and cancellation terms. Ask which charges are included, which are separate and whether conditions apply to an advertised offer.
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Pricing questions, answered
Interchange is a component of card-payment costs generally paid through the payment system to the card issuer. It varies with factors such as card type and transaction characteristics.
It is the provider’s markup within the pricing arrangement. Under interchange-plus pricing it is identified separately from interchange, though other charges may also apply.
Check the current offer and your agreement for any applicable PCI-related charges and requirements. A statement about one plan should not be assumed to apply to every processing relationship.
Terms depend on the agreement and selected services. Review the processing arrangement and any separate equipment or service commitments before signing.
Funding timing follows the approved account’s terms and may be affected by transaction submission, banking schedules or review. Confirm the schedule and any associated charges for your offer.
Costs depend on the equipment and purchase, rental or other arrangement offered. Review the full payment schedule and any separate obligations.
A calculator provides an estimate based on its assumptions and inputs. Actual costs depend on your transactions, agreement and applicable charges.
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