How Interchange Keeps More Money in Your Pocket
You pay the real cost of the transaction, plus a small, fixed margin. No markups, no minimums, no surprises.
What is Interchange-Plus pricing?
Interchange-Plus is the most transparent way to process payments. You pay the actual cost set by the card networks (called the interchange), plus a flat, predictable margin from Payline. That’s it.
No bundling, no blended rates, and no hidden markups—just honest, pass-through pricing that scales with your business.
The Interchange Rate
Every time a card is used, Visa, Mastercard, Amex, and Discover charge an interchange fee. These rates vary depending on the card type, how the transaction happens (online, in person, keyed-in), and your industry.
It’s the wholesale cost of a transaction—and it’s non-negotiable. But unlike bundled pricing, we show you exactly what this fee is on every statement.
The Margin
We add a flat, fixed fee on top of the interchange. That’s our margin—and we show it to you clearly.
As your business grows, your volume discounts can grow too. No mystery rates. No “qualified vs. non-qualified” fine print. Just a clear margin and the confidence of knowing where your money’s going.
Transparency is a Core Value
We’re built for businesses that expect more. That’s why we show you every part of your transaction cost, instead of hiding it behind a flat rate.
Our margin is always disclosed, and as you grow, we’ll work with you to make sure your rates grow with you—in the right direction.
