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.
Join the more than 20,000+ Happy Payline Customers
“It is user-friendly. Payline deposits in our bank account is an advantage. The additional security codes provide a layer of protection.”
Rebeca C.“Payline helps our accounting team balance financial reports by managing financial transactions such as payments and refunds. Essentially, it's a straightforward method to manage all of our purchases and sales within a single app.”
Arindam B.“Their quick service and easy to get a hold of. They also have their own gateway with an API to access it.”
Stan T.“The structure of payline is very easy to use.”
Verified User“Payline makes transactions such as payments, refunds, and helps our accounting team reconcile financial reports. Basically, it is an easy way to track our purchases and sales in one app.”
Verified User“Buffy, out account representative. She is just AMAZING. Always gets back to us on time and is very helpful! I will not go back to any other merchant service provider. Customer service and clarity is what every business needs and looks for. With Payline you are guaranteed to have all that, We are very happy with Payline.”
Verified User“Our rep. Buffy is the best. She is always quick to respond and help with any situations that we have. We also like the next day deposit availability.”
Verified User“Easy credit card processing system that allows a fast pace work environment with no delay.”
Verified User