Interchange‑Plus Pricing
Pay the true interchange rate plus a small, transparent markup on every transaction. No hidden fees, no surprises,just honest pricing that scales with your volume.
See your estimated savings: Open the savings calculator → · View methodology
How Interchange‑Plus works
Interchange‑Plus is the most transparent pricing model in the payment industry. You pay exactly what Visa and Mastercard charge (the interchange rate) plus a disclosed markup for processing that's set in your quote.
Every card transaction shows the true interchange rate + your disclosed markup
Savings scale as your volume grows, you keep the difference, not your processor
Month‑to‑month, no long‑term contracts or cancellation fees
Example transaction breakdown
Exact rates vary by card type and volume. This is illustrative.
Interchange-Plus vs. Tiered Pricing
Most processors use tiered pricing to hide their markup. Here's how Interchange-Plus compares:
Recommended
Interchange-Plus
Fee visibility
Every fee broken down line by line
Markup transparency
One disclosed markup, auditable on every statement
Hidden costs
None
Statement clarity
Easy to read and audit in minutes
Volume savings
Pass directly to you as you grow
Traditional
Tiered Pricing
Fee visibility
Lumped into vague “qualified” buckets
Markup transparency
Processor decides the tier,keeps the difference
Hidden costs
Can be 1-2% or more
Statement clarity
Confusing and difficult to audit
Volume savings
Processor keeps them
With Interchange-Plus
Fee visibility
Every fee broken down line by line
Markup transparency
One disclosed markup, auditable on every statement
Hidden costs
None
Statement clarity
Easy to read and audit in minutes
Volume savings
Pass directly to you as you grow
Benefits of Interchange‑Plus
Lower effective rate
Most merchants save 0.5-1.5% by switching from tiered to Interchange‑Plus pricing. Over a year, that can mean thousands of dollars back in your business.
Clear, readable statements
Your monthly statement breaks down every transaction, every fee, and the exact markup we charged. You can audit it in minutes, not hours.
Volume discounts you actually see
As you process more, interchange rates drop for many card types. With Interchange‑Plus, those savings pass directly to you, not your processor.
No long‑term contracts
We earn your business every month by delivering value, not by locking you into a contract with early termination fees.
We wanted transparency and control over our payment costs. Proper Solutions broke down our fees, removed unnecessary charges, and optimized our setup for growth. The reporting is cleaner, margins improved, and we finally trust our processing partner.
Retail
Ofri Friedman
Owner, Medicelite
From the guide library
Interchange‑Plus vs. flat‑rate vs. tiered
The three pricing models compared, with the math for each volume level.
Read the guide →
Cash discount vs surcharge vs dual pricing
A chooser table on debit cards, state rules, signage, and customer reaction, plus which one fits your business.
Read the guide →
Credit card processing fees, explained
Interchange, assessments, and markup: where every basis point of your rate goes.
Read the guide →
What is a good credit card processing rate?
Benchmarks by business type, the 60-second effective-rate formula, and what counts as a good interchange-plus markup.
Read the guide →
Ready to see your true processing costs?
Send us your latest statement and we'll show you a side‑by‑side comparison of what you're paying now versus what you'd pay with Interchange‑Plus.