Interchange Plus vs Flat Rate: Understanding the Different Pricing Models When comparing interchange plus vs flat rate pricing, most merchants don’t actually know which structure they’re currently on, let alone whether it’s the right fit for their business. Almost every merchant falls into one of three pricing models. Here’s a plain-English breakdown of how each […]
Over the past two years, the regulatory landscape for payment processing has shifted significantly. Here’s what merchants need to know, and what’s still evolving.
🔴 Rate Alert March 2026 Visa and Mastercard Interchange Rates Hold Steady, For Now Following the landmark 2024 settlement that briefly capped certain interchange fees,
Visa and Mastercard interchange rates change regularly, but most merchants never hear about the updates until their processing costs quietly increase.
Every card payment passes through 3 parties before you see the money. Here’s exactly who takes what, and which fees you can actually fight.
The number your processor doesn’t advertise When a payment processor pitches their service, they lead with a rate. “2.6% plus 10 cents.” It sounds clean and simple.
The silent tax on every card transaction Every time a customer pays with a credit card, you pay for the privilege. The processor takes a cut. Typically 2.5% to 3.5% of the sale, plus a per-transaction fee.
This dual pricing savings calculator estimates how much your business could save by shifting card processing costs away from the merchant and transparently disclosing them to card-paying customers.
The core idea in plain English Dual pricing is a payment structure where merchants maintain two prices for the same goods or services: a cash price and a card price.
Understanding credit card vs debit card processing fees is one of the most important parts of controlling payment processing costs.
