How much could you save on processing fees?
Enter your monthly card volume and we'll estimate your savings if you switched from tiered pricing to true Interchange Plus. No email required, no obligation.
The total dollar amount of card transactions your business processes each month.
Typical small business: $10K–$100K/mo. Multi-location: $250K–$1M+/mo.
Assumptions used in this estimate
- Current effective rate: 3.10% — a typical tiered/bundled rate for merchants who have not audited a recent statement.
- Compared range: 2.40%–2.70% effective Interchange Plus, which already includes an assumed processor markup.
- Card mix, average ticket, card-present vs. card-not-present split, monthly fees, equipment costs, and provider pricing are not modeled.
- Your entered monthly card volume is assumed to be accurate and representative.
Your estimated savings
Estimate only. Results depend on the accuracy of information entered and do not represent a quote, guarantee, or offer. Actual interchange, assessments, card mix, transaction methods, processor pricing, monthly charges, equipment costs, and other fees may differ.
Estimate only. Results depend on the accuracy of information entered and do not represent a quote, guarantee, or offer. Actual interchange, assessments, card mix, transaction methods, processor pricing, monthly charges, equipment costs, and other fees may differ.
Estimate only. Results depend on the accuracy of information entered and do not represent a quote, guarantee, or offer. Actual interchange, assessments, card mix, transaction methods, processor pricing, monthly charges, equipment costs, and other fees may differ.
Estimate only. Results depend on the accuracy of information entered and do not represent a quote, guarantee, or offer. Actual interchange, assessments, card mix, transaction methods, processor pricing, monthly charges, equipment costs, and other fees may differ.
Why Interchange Plus saves money
Most small businesses are on tiered or bundled pricing — the processor groups every card type into "qualified," "mid-qualified," and "non-qualified" buckets and marks each one up. The result is an effective rate that usually lands somewhere between 2.9% and 3.5%, with no visibility into where the money actually goes.
Interchange Plus unbundles that: you pay the exact wholesale rate Visa, Mastercard, Amex, and Discover charge (the "interchange"), plus a small, fixed markup that goes to the processor. Every line item is disclosed on your statement, and rewards cards no longer get silently upcharged.
What affects your real savings
- •Card mix. Debit and basic credit cards have low interchange; premium rewards and corporate cards are higher. A card-heavy B2B merchant saves differently than a coffee shop.
- •Average ticket. Per-transaction fees hit small tickets harder. A $8 average ticket looks very different from a $800 one.
- •Card-present vs online. Card-not-present transactions carry higher interchange because of fraud risk.
- •Your current markup. If you've never renegotiated, your processor's margin is almost certainly higher than it needs to be.
The 5-minute rate review
Estimates are directional. For an exact side-by-side comparison against your current processor — using your real card mix and interchange categories — upload a recent statement. We'll send back a written breakdown within 1 business day.
Upload a statement