{"id":79957,"date":"2025-03-26T12:28:57","date_gmt":"2025-03-26T16:28:57","guid":{"rendered":"https:\/\/chargebacks911.com\/?p=79957"},"modified":"2025-06-25T10:23:07","modified_gmt":"2025-06-25T14:23:07","slug":"interchange-plus-pricing","status":"publish","type":"post","link":"https:\/\/chargebacks911.com\/interchange-plus-pricing\/","title":{"rendered":"Interchange-Plus Pricing"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">What Is Interchange-Plus Pricing? How Can It Save Me Money?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Despite the surge of new <a data-wpil=\"url\" href=\"https:\/\/chargebacks911.com\/banking\/payment-processing\/alternative-payments\/\"><u>alternative payment methods<\/u><\/a> hitting the market, credit and debit cards still rule online commerce.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The ability to accept card payments is vital to your business\u2026 but it comes at a cost.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a data-wpil=\"url\" href=\"https:\/\/chargebacks911.com\/banking\/payment-processing\/online-payment-processing\/\"><u>Processors<\/u><\/a>, banks, and <a href=\"https:\/\/chargebacks911.com\/card-networks\/\"><u>card networks<\/u><\/a> all charge a small fee for their services. How that fee is set varies depending on several factors, including the pricing structure you choose. In this post, we\u2019re going to specifically focus on something called interchange-plus pricing: what it means, how it works, and why it may \u2014 or may <em>not<\/em> \u2014 be your best option.<\/p>\n\n\n<div class=\"c-suggested-reading\"><div class=\"c-suggested-reading__inner\"><div class=\"c-suggested-reading__header\"><h3 class=\"c-suggested-reading__headline\">Recommended reading<\/h3><\/div><ul class=\"c-suggested-reading__items\"><li class=\"c-suggested-reading__item\"><a href=\"https:\/\/chargebacks911.com\/merchant-identification-number\/\" class=\"c-suggested-reading__link\">Merchant Identification Numbers | How Do MIDs Work?<\/a><\/li><li class=\"c-suggested-reading__item\"><a href=\"https:\/\/chargebacks911.com\/issuer-declines\/\" class=\"c-suggested-reading__link\">Issuer Declines: 7 Reasons They Happen &amp; How to Fix Them<\/a><\/li><li class=\"c-suggested-reading__item\"><a href=\"https:\/\/chargebacks911.com\/visa-interchange-fees\/\" class=\"c-suggested-reading__link\">Visa Interchange: Processing Rates &amp; Fees, Explained<\/a><\/li><li class=\"c-suggested-reading__item\"><a href=\"https:\/\/chargebacks911.com\/suspicious-activity-reports-sars\/\" class=\"c-suggested-reading__link\">Suspicious Activity Reports: When Do SARs Get Filed &amp; Why?<\/a><\/li><li class=\"c-suggested-reading__item\"><a href=\"https:\/\/chargebacks911.com\/open-banking-rules\/\" class=\"c-suggested-reading__link\">What Is Open Banking? Data to Improve Service &amp; Stop Fraud<\/a><\/li><li class=\"c-suggested-reading__item\"><a href=\"https:\/\/chargebacks911.com\/payment-fraud-detection-prevention\/\" class=\"c-suggested-reading__link\">Top 10 Payment Fraud Detection &amp; Prevention<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">What is Interchange-Plus Pricing?<\/h2>\n\n\n\n<div class=\"c-category-alert c-category-alert--teal\">\n    <span class=\"c-category-alert--teal__icon\">\n        <object data=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2024\/09\/Time-Limit-Icon.png\" height=\"20\" aria-label=\"Hourglass\"><\/object>\n  <\/span>\n    <span class=\"c-category-alert--teal__heading\">TL;DR<\/span>\n    <p class=\"c-category-alert--teal__description\">Interchange-plus pricing is a combination of your predetermined interchange fee, plus a markup assessed by the processor.<\/p>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Interchange-plus pricing, also known as \u201ccost-plus,\u201d is a pricing model for <a href=\"https:\/\/chargebacks911.com\/glossary\/processing\/\"><u>payment processing<\/u><\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s a combination of your predetermined <a href=\"https:\/\/chargebacks911.com\/interchange-fee-increase\/\"><u>interchange fee<\/u><\/a>, plus a markup assessed by the processor. That markup can be either fixed or percentage-based.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Compared to other methods, interchange-plus credit card processing offers you a high level of transparency. You have a detailed breakdown of your monthly processing fees. It\u2019s the only model that breaks out every cost point, including any monthly fees from processor-provided services or subscription add-ons.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Judging by the title, interchange-plus pricing should be easy to calculate and budget. In reality, that\u2019s not always the case. Interchange fees can fluctuate based on different factors, such as card brand and type of transaction. And, if the processor fee is a percentage, it can be difficult to predict your costs until sales numbers come in.<\/p>\n\n\n\n<div class=\"c-shortcode-ebook c-shortcode-ebook--whitepaper\"><a href=\"https:\/\/chargebacks911.com\/chargeback-field-report\/\" class=\"c-shortcode-ebook__block\"><div class=\"c-shortcode-ebook__inner\"><div class=\"c-shortcode-ebook__graphics\"><div class=\"c-shortcode-ebook__graphics-inner\"><div class=\"c-shortcode-ebook__ipad\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/chargebacks911.com\/wp-content\/themes\/CB911\/assets\/img\/shortcodes\/ebooks\/ipad--field-report.png\" alt=\"2022\" chargeback=\"\" field=\"\" report=\"\"\/>\n\t\t\t<\/div>\n\t\t\t<div class=\"c-shortcode-ebook__cover\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/chargebacks911.com\/wp-content\/themes\/CB911\/assets\/img\/shortcodes\/ebooks\/cover--field-report.png\" alt=\"2022\" chargeback=\"\" field=\"\" report=\"\"\/>\n\t\t\t<\/div><\/div><\/div><div class=\"c-shortcode-ebook__content\"><span class=\"c-shortcode-ebook__title\"><span>A Real-World Look at<\/span> Chargeback Management<\/span><p class=\"c-shortcode-ebook__description\">Based on a survey of over 400 merchants, the report presents a comprehensive, cross-vertical look at the current state of chargebacks and chargeback management.<\/p><span class=\"c-btn c-btn--primary c-shortcode-ebook__btn\">Access the FREE Report<\/span><\/div><\/div><div class=\"c-shortcode-ebook__close\" data-shortcode-ebook-close=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 20 20\" fill=\"currentColor\"><path fill-rule=\"evenodd\" d=\"M4.293 4.293a1 1 0 011.414 0L10 8.586l4.293-4.293a1 1 0 111.414 1.414L11.414 10l4.293 4.293a1 1 0 01-1.414 1.414L10 11.414l-4.293 4.293a1 1 0 01-1.414-1.414L8.586 10 4.293 5.707a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg><\/div><\/a><div class=\"c-shortcode-ebook__overlay\"><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">How Is Interchange-Plus Pricing Calculated?<\/h2>\n\n\n\n<div class=\"c-category-alert c-category-alert--teal\">\n    <span class=\"c-category-alert--teal__icon\">\n        <object data=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2024\/09\/Time-Limit-Icon.png\" height=\"20\" aria-label=\"Hourglass\"><\/object>\n  <\/span>\n    <span class=\"c-category-alert--teal__heading\">TL;DR<\/span>\n    <p class=\"c-category-alert--teal__description\">Interchange plus pricing fees are calculated by combining the interchange fees, which is percentage of the total transaction, and the agreed-upon markup from the processor, which could be a percentage or a set fee.<\/p>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">There are two obvious components of interchange plus pricing: the interchange, and the plus.<\/p>\n\n\n\n<div class=\"\u0441-horizontally-stacked-boxes\">\n    <div class=\"\u0441-horizontally-stacked-box\">\n\n        <span class=\"\u0441-horizontally-stacked-box__icon\">\n            <img decoding=\"async\" src=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2021\/10\/NEW-ICONS-DuoTone-Lineal-Icons_DuoTone-Iconz_DuoTone-Iconz-38.svg\" alt=\"Interchange Fees\"\/>\n        <\/span>\n\n        <span class=\"\u0441-horizontally-stacked-box__content\">\n            <h3 class=\"\u0441-horizontally-stacked-box__title\">Interchange Fees<\/h3>\n            <p class=\"\u0441-horizontally-stacked-box__description\">Interchange fees are the base fee for merchant <a data-wpil=\"url\" href=\"https:\/\/chargebacks911.com\/banking\/payment-processing\/credit-card-processing-fees\/\">processing rates<\/a>. The fees exist to compensate card-issuing banks for their services, as well as the risk they take on by backing your electronic payments.<\/p>\n<p class=\"\u0441-horizontally-stacked-box__description\">Fees are levied and collected by card networks like <a href=\"https:\/\/chargebacks911.com\/glossary\/visa\/\">Visa<\/a> and <a href=\"https:\/\/chargebacks911.com\/glossary\/mastercard\/\">Mastercard<\/a>, who then forward payment to the appropriate issuers. Each card brand sets its own per-transaction fee, which is a percentage of the total transaction amount.<\/p>\n        <\/span>\n\n    <\/div>\n\n    <div class=\"\u0441-horizontally-stacked-box\">\n\n        <span class=\"\u0441-horizontally-stacked-box__icon\">\n            <img decoding=\"async\" src=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2021\/10\/NEW-ICONS-DuoTone-Lineal-Icons_DuoTone-Iconz_DuoTone-Iconz-37.svg\" alt=\"Markup Costs\"\/>\n            <\/span>\n\n            <span class=\"\u0441-horizontally-stacked-box__content\">\n                <h3 class=\"\u0441-horizontally-stacked-box__title\">Markup Costs<\/h3>\n                <p class=\"\u0441-horizontally-stacked-box__description\">Beyond the interchange fees, each payment processor charges a per-transaction markup fee. It\u2019s kind of like a commission; it covers the processor\u2019s costs associated with transaction fees, batch fees, and more. Unlike interchange fees, markups are entirely controlled by the payment processor.<\/p>\n                <p class=\"\u0441-horizontally-stacked-box__description\">Again, there\u2019s no standard rate, but in interchange-plus plans, prices are based on either a set rate or a percentage. For example, using an interchange fee of 1.8% and a markup fee of 0.5%, a $100 transaction would end up costing $2.30.<\/p>\n            <\/span>\n    <\/div>\n<\/div>\n\n\n\n<div class=\"c-category-alert c-category-alert--grey\">\n    <span class=\"c-category-alert--grey__icon\">\n        <object data=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/06\/reminder-hands-04.svg\" width=\"20\" height=\"20\" aria-label=\"Finger bullet\"><\/object>\n    <\/span>\n    <span class=\"c-category-alert--grey__heading\">Did You Know?<\/span>\n    <p class=\"c-category-alert--grey__description\">While the interchange is set, markup fees may be negotiable; higher-volume businesses may be able to secure lower markup rates.<\/p>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Alternatives to Interchange-Plus Pricing<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">While it works well for many merchants, interchange-plus pricing may not be the best option for your business. Luckily, you have options:<\/p>\n\n\n\n<div class=\"p-three-columns\">\n\n    <div class=\"p-three-column\">\n        <img decoding=\"async\" class=\"p-three-column__image\" src=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2025\/03\/illustration-icon-flat-fee.svg\" alt=\"Flat-Rate Pricing\"\/>\n        <h3 class=\"p-three-column__title\">Flat-Rate Pricing<\/h3>\n        <p class=\"p-three-column__description\">This pricing model applies the same price rate to all transactions made through a given method, regardless of interchange rates and fees. You pay a set percentage on top of the pre-determined transaction rate; for example, <span style=\"font-weight: 600;\">3%<\/span> of the transaction total, plus <span style=\"font-weight:600;\">$0.25<\/span> for every transaction.<\/p>\n    <\/div>\n\n    <div class=\"p-three-column\">\n        <img decoding=\"async\" class=\"p-three-column__image\" src=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2025\/03\/illustration-icon-tiered-pricing.svg\" alt=\"Tiered Pricing\"\/>\n        <h3 class=\"p-three-column__title\">Tiered Pricing<\/h3>\n        <p class=\"p-three-column__description\">By combining interchange-plus and flat-rate pricing, tiered pricing sorts all transaction types into one of three (sometimes four) categories, or \u201ctiers\u201d: <span style=\"font-weight: 600;\">Qualified, Mid-Qualified, or Non-Qualified<\/span>. In some cases, \u201cRewards\u201d is its own category. Processing rates are based on the transaction\u2019s tier.<\/p>\n    <\/div>\n\n    <div class=\"p-three-column\">\n        <img decoding=\"async\" class=\"p-three-column__image\" src=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2025\/03\/illustration-icon-subscription-pricing.svg\" alt=\"Subscription Pricing\"\/>\n        <h3 class=\"p-three-column__title\">Subscription Pricing<\/h3>\n        <p class=\"p-three-column__description\">Also called <span style=\"font-weight: 600;\">membership pricing<\/span>. This method is similar to interchange-plus because it separates the markup from the interchange. However, the difference is that your processor will charge you a monthly subscription fee instead of tacking on fees per transaction.<\/p>\n    <\/div>\n\n<\/div>\n\n\n<a href=\"https:\/\/chargebacks911.com\/interchange-fees\/\" class=\"c-btn c-btn-lg c-btn-default\">Learn more about pricing for merchant processing<\/a>\n\n\n<div class=\"cta-ab\"><span class=\"cta-ab__cta-content\">Rapid changes in technology can make it difficult to keep up with what\u2019s new. You need vendors that are up to date. Chargebacks911\u00ae remains on the cutting edge of chargeback solutions.<\/span><span class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-f46a4ca9-3755-4911-b18a-8ad344729c8e\"><span class=\"hs-cta-node hs-cta-f46a4ca9-3755-4911-b18a-8ad344729c8e\" id=\"hs-cta-f46a4ca9-3755-4911-b18a-8ad344729c8e\"><!--[if lte IE 8]><div id=\"hs-cta-ie-element\"><\/div><![endif]--><a href=\"#\"  target=\"_blank\" data-open-demo-modal><img decoding=\"async\"  class=\"hs-cta-img\" id=\"hs-cta-img-f46a4ca9-3755-4911-b18a-8ad344729c8e\" style=\"border-width:0px;\" src=\"https:\/\/no-cache.hubspot.com\/cta\/default\/2611577\/f46a4ca9-3755-4911-b18a-8ad344729c8e.png\"  alt=\"REQUEST A DEMO\"\/><\/a><\/span><\/span><\/div>\n\n\n\n<div class=\"c-category-alert c-category-alert--grey\">\n    <span class=\"c-category-alert--grey__icon\">\n        <object data=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/06\/reminder-hands-04.svg\" width=\"20\" height=\"20\" aria-label=\"Finger bullet\"><\/object>\n    <\/span>\n    <span class=\"c-category-alert--grey__heading\">Did You Know?<\/span>\n    <p class=\"c-category-alert--grey__description\">There\u2019s also a variation on these pricing methods called billback. Here merchants are charged a flat-rate for transactions processed in the preceding month. Once the monthly sales are settled, however, the merchant is charged for the difference between the flat rate and the actual cost.<\/p>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Who Benefits Most From Interchange-Plus Pricing?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Interchange-plus pricing is a popular choice for a lot of merchants. But, who really benefits the most from this model?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In general, you can expect to see the best results from interchange-plus pricing if any of the following apply to you:<\/p>\n\n\n\n<div class=\"c-icon-list\">\n<div class=\"c-icon-list__item\"><div class=\"c-icon-list__icon\"><object data=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2023\/11\/NEW-ICONS-DuoTone-group-people-customers-Inclusivity-happy-clients.svg\" type=\"image\/svg+xml\"><\/object><\/div><div class=\"c-icon-list__content\"><h3 class=\"c-icon-list__title\">You\u2019re a High-Volume Business<\/h3><div class=\"c-icon-list__text\">\n<p class=\"wp-block-paragraph\">Interchange-plus pricing is cost-effective at scale because you\u2019re only paying the actual interchange rate plus a small, negotiated processor markup. Unlike flat-rate pricing, where the same percentage is applied to every transaction regardless of volume, interchange-plus offers lower per-transaction costs as your total transaction volume increases.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"c-icon-list__item\"><div class=\"c-icon-list__icon\"><object data=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/10\/NEW-ICONS-DuoTone-Online-shopping.svg\" type=\"image\/svg+xml\"><\/object><\/div><div class=\"c-icon-list__content\"><h3 class=\"c-icon-list__title\">You Do All of Your Business Online<\/h3><div class=\"c-icon-list__text\">\n<p class=\"wp-block-paragraph\">Interchange rates are usually higher for card-not-present credit transactions due to the heightened fraud risk. But, that means you overpay on debit card transactions if you\u2019re using flat-rate pricing, as debit transactions have lower interchange rates. With interchange-plus, you can take advantage of lower debit interchange rates while still accepting higher-cost credit payments.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"c-icon-list__item\"><div class=\"c-icon-list__icon\"><object data=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/03\/NEW-ICONS-DuoTone-money-hand-dollar.svg\" type=\"image\/svg+xml\"><\/object><\/div><div class=\"c-icon-list__content\"><h3 class=\"c-icon-list__title\">You Have a High Average Transaction Value<\/h3><div class=\"c-icon-list__text\">\n<p class=\"wp-block-paragraph\">Flat-rate models become very expensive for large purchases; simple as that. Interchange-plus pricing reduces the percentage-based cost for high-ticket items. To illustrate, you\u2019ll pay $290 in fees to process a $10,000 transaction at a 2.9% flat rate. But, that same transaction processed at an interchange-plus rate of 1.8% + 0.2% markup will only cost you $200.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"c-icon-list__item\"><div class=\"c-icon-list__icon\"><object data=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2019\/07\/NEW-ICONS-DuoTone-Lineal-Icons-July2022-Update-228.svg\" type=\"image\/svg+xml\"><\/object><\/div><div class=\"c-icon-list__content\"><h3 class=\"c-icon-list__title\">Your Business Has Low Margins<\/h3><div class=\"c-icon-list__text\">\n<p class=\"wp-block-paragraph\">Interchange-plus pricing lets you itemize different fees. You have more transparency in cost breakdowns. This give you the power to better analyze your costs and make informed decisions about pricing strategies. In contrast, flat-rate pricing doesn't allow for itemization and can make it difficult to see where you could cut costs.<\/p>\n<\/div><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"c-shortcode-ebook c-shortcode-ebook--book\"><a href=\"https:\/\/ad.chargebacks911.com\/chargebacks-for-dummies\" class=\"c-shortcode-ebook__block\" target=\"_blank\"><div class=\"c-shortcode-ebook__inner\"><div class=\"c-shortcode-ebook__graphics\"><div class=\"c-shortcode-ebook__graphics-inner\"><div class=\"c-shortcode-ebook__book\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/chargebacks911.com\/wp-content\/themes\/CB911\/assets\/img\/shortcodes\/ebooks\/book--dummies.png\" alt=\"Chargebacks\" for=\"\" dummies=\"\"\/>\n\t\t\t<\/div><\/div><\/div><div class=\"c-shortcode-ebook__content\"><span class=\"c-shortcode-ebook__title\"><span>Everything You Need To Know<\/span> A Beginner\u2019s Guide to Chargebacks<\/span><p class=\"c-shortcode-ebook__description\">Chargebacks can wreak havoc on your cash flow and profitability. This FREE paperback book is your guide for preventing chargebacks and, when they happen, fighting them more effectively.<\/p><span class=\"c-btn c-btn--primary c-shortcode-ebook__btn\">Send Me My Free Paperback Book!<\/span><\/div><\/div><div class=\"c-shortcode-ebook__close\" data-shortcode-ebook-close=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 20 20\" fill=\"currentColor\"><path fill-rule=\"evenodd\" d=\"M4.293 4.293a1 1 0 011.414 0L10 8.586l4.293-4.293a1 1 0 111.414 1.414L11.414 10l4.293 4.293a1 1 0 01-1.414 1.414L10 11.414l-4.293 4.293a1 1 0 01-1.414-1.414L8.586 10 4.293 5.707a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg><\/div><\/a><div class=\"c-shortcode-ebook__overlay\"><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Is Interchange-Plus Pricing the Best Option for Me?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Interchange plus vs. flat rate vs. tiered pricing? The best option will ultimately depend on you<em>. <\/em>Different pricing models will work better for some organizations than for others. Finding out if interchange-plus pricing is best for you will require a little research, but here are a few questions to get you started.<\/p>\n\n\n\n<div class=\"c-icon-boxes c-icon-boxes\">\n    <div class=\"c-icon-box c-icon-box--two\">\n        <div class=\"c-icon-box__inner\">\n\n            <div class=\"c-icon-box__icon\">\n                <img decoding=\"async\" src=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/02\/question-mark-icon-01.svg\" alt=\"Question mark\"\/>\n            <\/div>\n\n            <h3 class=\"c-icon-box__title c-icon-box__title--center\">What Are Your Business Needs?<\/h3>\n            <p class=\"c-icon-box__copy\">Take a look at your overall business. Think about transaction volume, average ticket price, industry type, and budget parameters. If you run a larger business with a high transaction volume, you could see significant savings by using interchange-plus pricing.<\/p>\n\n        <\/div>\n    <\/div>\n\n    <div class=\"c-icon-box c-icon-box--two\">\n        <div class=\"c-icon-box__inner\">\n\n            <div class=\"c-icon-box__icon\">\n                <img decoding=\"async\" src=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/02\/question-mark-icon-01.svg\" alt=\"Question mark\"\/>\n            <\/div>\n\n            <h3 class=\"c-icon-box__title c-icon-box__title--center\">What is Your Industry?<\/h3>\n            <p class=\"c-icon-box__copy\">Some industries pose more of a risk than others, and that may factor into your decision. eCommerce merchants, especially, will probably find interchange-plus pricing more cost-effective than other models, as those businesses are automatically considered <a data-wpil=\"url\" href=\"https:\/\/chargebacks911.com\/banking\/payment-processing\/high-risk-credit-card-processing\/\">\u201chigh-risk\u201d by processors<\/a>.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n<div class=\"c-icon-boxes c-icon-boxes\">\n    <div class=\"c-icon-box c-icon-box--two\">\n        <div class=\"c-icon-box__inner\">\n\n            <div class=\"c-icon-box__icon\">\n                <img decoding=\"async\" src=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/02\/question-mark-icon-01.svg\" alt=\"Question mark\"\/>\n            <\/div>\n\n            <h3 class=\"c-icon-box__title c-icon-box__title--center\">What is Your Budget?<\/h3>\n            <p class=\"c-icon-box__copy\">What resources can you afford to put towards credit card processing fees? Any potential savings from interchange plus rates may be offset by the labor needed to handle more complex recordkeeping and specialized\u00a0 financial management.<\/p>\n\n\n        <\/div>\n    <\/div>\n\n    <div class=\"c-icon-box c-icon-box--two\">\n        <div class=\"c-icon-box__inner\">\n\n            <div class=\"c-icon-box__icon\">\n                <img decoding=\"async\" src=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/02\/question-mark-icon-01.svg\" alt=\"Question mark\"\/>\n            <\/div>\n\n            <h3 class=\"c-icon-box__title c-icon-box__title--center\">What Are You Being Offered?<\/h3>\n            <p class=\"c-icon-box__copy\">You shouldn\u2019t sign with the first provider you talk with. Seek quotes from at least two or three venders to get a feel for the general landscape. When it comes time to talk contracts, make sure you\u2019re aware of all the associated fees you\u2019ll be paying.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div class=\"c-share-svg c-share-svg--hover\">\r\n\t\t\t\t\t\t<div class=\"c-share-svg__inner\">\r\n\t\t\t\t\t\t\t<object type=\"image\/svg+xml\" data=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2025\/03\/How-Interchange-PLUS-Fees-are-Assessed-F-1.svg\" width=\"100%\" height=\"100%\" class=\"c-share-svg__object c-share-svg__object--desktop\"><\/object>\r\n\t\t\t\t\t\t\t<object type=\"image\/svg+xml\" data=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2025\/03\/How-Interchange-PLUS-Fees-are-Assessed-F.svg\" width=\"100%\" height=\"100%\" class=\"c-share-svg__object c-share-svg__object--mobile\"><\/object>\r\n\t\t\t\t\t\t<\/div>\r\n\r\n\t\t\t\t\t\t<div class=\"c-share-svg__hover\">\r\n\t\t\t\t\t\t\t<button class=\"c-share-svg__button js-share-svg-button\" data-source=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2025\/03\/How-Interchange-PLUS-Fees-are-Assessed-F-1.svg\" data-url=\"https:\/\/chargebacks911.com\/interchange-plus-pricing\/\">Embed This Graphic<\/button>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\n\n\n\n<div class=\"p-receipt\">\n\n<div class=\"c-two-columns\">\n    <div class=\"c-two-column\">\n        Cardholder transaction:\n    <\/div>\n\n    <div class=\"c-two-column\">\n        <span class=\"p-receipt__price\">$100<\/span>\n    <\/div>\n<\/div>\n\n<div class=\"c-two-columns\">\n    <div class=\"c-two-column\">\n        Interchange fee:\n    <\/div>\n\n    <div class=\"c-two-column\">\n        <span class=\"p-receipt__price\">1.8% + $0.10<\/span>\n    <\/div>\n<\/div>\n\n<div class=\"c-two-columns\">\n    <div class=\"c-two-column\">\n        Card network fee:\n    <\/div>\n\n    <div class=\"c-two-column\">\n        <span class=\"p-receipt__price\">0.13% + $0.02<\/span>\n    <\/div>\n<\/div>\n\n<div class=\"c-two-columns\">\n    <div class=\"c-two-column\">\n        Processor Markup:\n    <\/div>\n\n    <div class=\"c-two-column\">\n        <span class=\"p-receipt__price\">0.25% + $0.05<\/span>\n    <\/div>\n<\/div>\n\n<div class=\"c-two-columns p-receipt__total\">\n    <div class=\"c-two-column\">\n        Merchant will receive:\n    <\/div>\n\n    <div class=\"c-two-column\">\n        <span class=\"p-receipt__price\">$97.66<\/span>\n    <\/div>\n<\/div>\n\n<div class=\"c-two-columns\">\n    <div class=\"c-two-column\">\n        Total cost to merchant:\n    <\/div>\n\n    <div class=\"c-two-column\">\n        <span class=\"p-receipt__price\">$2.34<\/span>\n    <\/div>\n<\/div>\n\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Tips to Get the Best Interchange-Plus Rates<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">This wouldn\u2019t be a Chargebacks911\u00ae article if I sent you away without any actionable advice. So, here are a few tips that can help you secure the best interchange-plus pricing possible:<\/p>\n\n\n\n<div class=\"\u0441-horizontally-stacked-boxes\">\n    <div class=\"\u0441-horizontally-stacked-box\">\n\n        <span class=\"\u0441-horizontally-stacked-box__icon\">\n            <img decoding=\"async\" src=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/08\/NEW-ICONS-DuoTone-Lineal-Icons-July2022-Update.svg\" alt=\"Tip: Negotiate Processor Markups\"\/>\n        <\/span>\n\n        <span class=\"\u0441-horizontally-stacked-box__content\">\n            <h3 class=\"\u0441-horizontally-stacked-box__title\">Negotiate Processor Markups<\/h3>\n            <p class=\"\u0441-horizontally-stacked-box__description\">Processor markups are one of the few negotiable aspects of interchange-plus pricing, so do what you can to advocate for the best possible rates. Start by understanding the average markup rates in your industry and use that knowledge as leverage during negotiations. Highlight your business's transaction volume and reliability to show that you\u2019re a low-risk client that deserves good terms.<\/p>\n        <\/span>\n\n    <\/div>\n\n    <div class=\"\u0441-horizontally-stacked-box\">\n\n        <span class=\"\u0441-horizontally-stacked-box__icon\">\n            <img decoding=\"async\" src=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/08\/NEW-ICONS-DuoTone-Lineal-Icons-July2022-Update.svg\" alt=\"Tip: Choose a Processor With Transparent Pricing\"\/>\n            <\/span>\n\n            <span class=\"\u0441-horizontally-stacked-box__content\">\n                <h3 class=\"\u0441-horizontally-stacked-box__title\">Choose a Processor With Transparent Pricing<\/h3>\n                <p class=\"\u0441-horizontally-stacked-box__description\">If you get transparent pricing ensures, you can be sure that you fully understand the fees and costs, and can avoid hidden charges that could eat into your profits. Look for processors that give detailed, easy-to-read statements, and that clearly outline their fee structures upfront. This level of clarity will help you make informed decisions and establish a trusting partnership.<\/p>\n            <\/span>\n    <\/div>\n\n    <div class=\"\u0441-horizontally-stacked-box\">\n\n        <span class=\"\u0441-horizontally-stacked-box__icon\">\n            <img decoding=\"async\" src=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/08\/NEW-ICONS-DuoTone-Lineal-Icons-July2022-Update.svg\" alt=\"Tip: Keep an Eye on Industry Trends and Changes\"\/>\n        <\/span>\n\n        <span class=\"\u0441-horizontally-stacked-box__content\">\n            <h3 class=\"\u0441-horizontally-stacked-box__title\">Keep an Eye on Industry Trends and Changes<\/h3>\n            <p class=\"\u0441-horizontally-stacked-box__description\">Interchange rates are subject to change, so it\u2019s important to keep up with industry news and trends. New payment processing technologies and regulations emerge all the time. By staying informed, you can position yourself to anticipate potential changes to your interchange rate and adjust your pricing strategies accordingly.<\/p>\n        <\/span>\n\n    <\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Okay, now here\u2019s another tip: avoid card-not-present transactions. These are pretty much always considered higher risk due to the greater chance of fraud associated with them.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That\u2019s not great advice, though, is it? You want to grow your sales, not diminish them. But, the fact of the matter is that, as long as you\u2019re doing business online, you\u2019re going to have to contend with the threat posed by fraud and <a class=\"wpil_keyword_link\" href=\"https:\/\/chargebacks911.com\/chargebacks\/\"   title=\"Chargebacks 101\" data-wpil-keyword-link=\"linked\"  data-wpil-monitor-id=\"1006\">chargebacks<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The experts at Chargebacks911 can identify areas of your business that may be leaking revenue and demonstrate ways to maximize your ROI while reducing risk.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Want to learn more? Click below and get started.<\/p>\n\n\n\n<div class=\"c-shortcode-faq\" data-shortcode-faq=\"true\" class=\"wp-block-cb911-block-library-faq\"><div class=\"c-shortcode-faq__inner\"><h2 class=\"c-shortcode-faq__heading joli-heading\" id=\"faqs\">FAQs<\/h2><div class=\"c-shortcode-faq__items\">\n\n<div class=\"c-shortcode-faq__item\" data-shortcode-faq-item=\"true\" class=\"wp-block-cb911-block-library-faq-item\"><div class=\"c-shortcode-faq__item-inner\"><div class=\"c-shortcode-faq__icons\"><div class=\"c-shortcode-faq__icons-inner\"><div class=\"c-shortcode-faq__icon c-shortcode-faq__icon--minus\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M20 12H4\"><\/path><\/svg><\/div><div class=\"c-shortcode-faq__icon c-shortcode-faq__icon--plus\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M20 12H4\"><\/path><\/svg><\/div><\/div><\/div><h3 class=\"c-shortcode-faq__question\">What is the interchange plus rate?<\/h3><p class=\"c-shortcode-faq__answer\">An interchange plus rate for processing means that for each transaction, the merchant will pay an exact pass-through of the card brand\u2019s interchange rate, plus a per transaction fee from the processor.<\/p><\/div><\/div>\n\n\n<div class=\"c-shortcode-faq__item\" data-shortcode-faq-item=\"true\" class=\"wp-block-cb911-block-library-faq-item\"><div class=\"c-shortcode-faq__item-inner\"><div class=\"c-shortcode-faq__icons\"><div class=\"c-shortcode-faq__icons-inner\"><div class=\"c-shortcode-faq__icon c-shortcode-faq__icon--minus\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M20 12H4\"><\/path><\/svg><\/div><div class=\"c-shortcode-faq__icon c-shortcode-faq__icon--plus\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M20 12H4\"><\/path><\/svg><\/div><\/div><\/div><h3 class=\"c-shortcode-faq__question\">When might interchange plus pricing be the right pricing method?<\/h3><p class=\"c-shortcode-faq__answer\">Merchants that process a high volume ($5k-$10k \/month) of transactions may save money with the interchange-plus pricing model.<\/p><\/div><\/div>\n\n\n<div class=\"c-shortcode-faq__item\" data-shortcode-faq-item=\"true\" class=\"wp-block-cb911-block-library-faq-item\"><div class=\"c-shortcode-faq__item-inner\"><div class=\"c-shortcode-faq__icons\"><div class=\"c-shortcode-faq__icons-inner\"><div class=\"c-shortcode-faq__icon c-shortcode-faq__icon--minus\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M20 12H4\"><\/path><\/svg><\/div><div class=\"c-shortcode-faq__icon c-shortcode-faq__icon--plus\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M20 12H4\"><\/path><\/svg><\/div><\/div><\/div><h3 class=\"c-shortcode-faq__question\">What are the drawbacks of using cost-plus pricing?<\/h3><p class=\"c-shortcode-faq__answer\">An interchange plus model sounds straight-forward, but in practice it can be complex, in terms of separating charges. There can also be hidden fees in the markup. But the biggest downside is the unpredictability: interchange fees are variable and can be volatile, making it difficult to accurately budget for costs.<\/p><\/div><\/div>\n\n\n<div class=\"c-shortcode-faq__item\" data-shortcode-faq-item=\"true\" class=\"wp-block-cb911-block-library-faq-item\"><div class=\"c-shortcode-faq__item-inner\"><div class=\"c-shortcode-faq__icons\"><div class=\"c-shortcode-faq__icons-inner\"><div class=\"c-shortcode-faq__icon c-shortcode-faq__icon--minus\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M20 12H4\"><\/path><\/svg><\/div><div class=\"c-shortcode-faq__icon c-shortcode-faq__icon--plus\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M20 12H4\"><\/path><\/svg><\/div><\/div><\/div><h3 class=\"c-shortcode-faq__question\">Who pays the interchange fee?<\/h3><p class=\"c-shortcode-faq__answer\">The merchant's acquiring bank pays the interchange fee to the cardholder's <a class=\"wpil_keyword_link\" href=\"https:\/\/chargebacks911.com\/the-issuing-bank\/\"   title=\"The Issuing Bank\" data-wpil-keyword-link=\"linked\"  data-wpil-monitor-id=\"1008\">issuing bank<\/a>.<\/p><\/div><\/div>\n\n\n<div class=\"c-shortcode-faq__item\" data-shortcode-faq-item=\"true\" class=\"wp-block-cb911-block-library-faq-item\"><div class=\"c-shortcode-faq__item-inner\"><div class=\"c-shortcode-faq__icons\"><div class=\"c-shortcode-faq__icons-inner\"><div class=\"c-shortcode-faq__icon c-shortcode-faq__icon--minus\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M20 12H4\"><\/path><\/svg><\/div><div class=\"c-shortcode-faq__icon c-shortcode-faq__icon--plus\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M20 12H4\"><\/path><\/svg><\/div><\/div><\/div><h3 class=\"c-shortcode-faq__question\">What is an interchange refund?<\/h3><p class=\"c-shortcode-faq__answer\">When a merchant issues a refund, the customer gets back what they paid, plus sales tax. The merchant is refunded only a portion of the fees paid to the <a class=\"wpil_keyword_link\" href=\"https:\/\/chargebacks911.com\/the-acquiring-bank\/\"   title=\"The Acquiring Bank\" data-wpil-keyword-link=\"linked\"  data-wpil-monitor-id=\"1007\">acquirer<\/a>. For interchange-plus merchants, the interchange fee will usually be returned, but the markup typically will not.<\/p><\/div><\/div>\n\n<\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<h2 class=\"wp-block-heading\">What Is Interchange-Plus Pricing? How Can It Save Me Money?<\/h2>\n<p>Despite the surge of new alternative payment methods hitting the market, credit and debit cards still rule online commerce.&nbsp;<\/p>\n<p>The ability to accept card payments is vital to your business\u2026 but it comes at a cost.<\/p>\n<div><a class=\"btn-filled btn\" href=\"https:\/\/chargebacks911.com\/interchange-plus-pricing\/\" title=\"Interchange-Plus Pricing\">Read More<\/a><\/div>\n","protected":false},"author":9192205,"featured_media":80452,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_crdt_document":"","inline_featured_image":false,"footnotes":""},"categories":[59],"tags":[71,80,120],"class_list":["post-79957","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking","tag-banks","tag-payments","tag-processing"],"acf":[],"_links":{"self":[{"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/posts\/79957","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/users\/9192205"}],"replies":[{"embeddable":true,"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/comments?post=79957"}],"version-history":[{"count":10,"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/posts\/79957\/revisions"}],"predecessor-version":[{"id":84696,"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/posts\/79957\/revisions\/84696"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/media\/80452"}],"wp:attachment":[{"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/media?parent=79957"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/categories?post=79957"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/tags?post=79957"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}