Our Transaction Rates
Our pricing is 100% transparent with a pricing model of Interchange Plus*
0.15% - 0.25% + 5¢
4¢
Why Interchange Plus?
Interchange Plus pricing separates the actual card-network cost from the processor markup, giving you greater transparency and a clearer understanding of what you are paying.
With Business Payment Network, you pay the applicable interchange cost plus an agreed processor markup—without hiding everything inside one flat percentage.
Scalability
Adaptable as Business Grows:
As businesses scale and transaction volumes increase, the fixed markup or small percentage added to the interchange fee can become increasingly beneficial. It offers merchants a scalable cost structure, unlike flat-rate pricing, which can become less efficient at higher volumes.
More Transparency When Card Costs Change
Card-Network Changes Don’t Change Your Agreed Processor Markup:
If applicable interchange or card-network fees change, those underlying costs may rise or fall. With Interchange Plus, your agreed processor markup remains separately identified, so you can see whether a change comes from card-network costs or from the processor. This makes changes easier to understand and track.
Pay Based on the Actual Card Cost
Pay the Actual Cost of Each Card Type:
With Interchange Plus pricing, each transaction is charged according to the actual interchange cost for that card type, plus your agreed processor markup. Premium and rewards cards may have higher interchange costs, but the processor markup does not increase simply because a higher-cost card is used.
Predictable Costs
Stable Markup:
Your agreed processor markup remains consistent and clearly separated from the underlying card costs, making your processing expenses easier to understand and budget for. Interchange and applicable card-network fees can vary based on the card type and transaction, while your agreed processor markup remains transparent.
Cost Control for Large Transactions:
For businesses with higher-ticket transactions or larger processing volumes, Interchange Plus can provide better visibility into processing costs because the processor markup is separated from the underlying interchange cost. This can be more economical than some flat-rate pricing models, depending on the card type and transaction mix.