{"id":7039,"date":"2021-12-08T15:00:21","date_gmt":"2021-12-08T15:00:21","guid":{"rendered":"https:\/\/trc-parus.ru\/?p=7039"},"modified":"2022-05-18T17:58:14","modified_gmt":"2022-05-18T17:58:14","slug":"flat-rate-vs-interchange-plus-pricing-in-payment-processing","status":"publish","type":"post","link":"https:\/\/trc-parus.ru\/blog\/flat-rate-vs-interchange-plus-pricing-in-payment-processing\/","title":{"rendered":"Flat Rate vs Interchange Plus Pricing in Payment Processing"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"7039\" class=\"elementor elementor-7039\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3700a1c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3700a1c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-685360b\" data-id=\"685360b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2490eaf elementor-widget elementor-widget-text-editor\" data-id=\"2490eaf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 30-04-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>In payment processing, the two most popular pricing models are flat rate pricing and <a href=\"https:\/\/trc-parus.ru\/pricing\/cost-plus\/\">interchange plus pricing<\/a>. Interchange plus pricing is also known as cost plus pricing.\u00a0<\/p><p>Even though this article focuses on those two, there are other innovative models that exist such as <a href=\"https:\/\/trc-parus.ru\/pricing\/membership\/\">membership pricing<\/a> where you pay a monthly fee to get access to payment processing at cost. It might be worth it for you to explore these alternative models, particularly if you process more than $1 million per year.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ede11f elementor-widget elementor-widget-heading\" data-id=\"3ede11f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 30-04-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\">Flat Rate Pricing in Payment Processing<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b29fc1c elementor-widget elementor-widget-text-editor\" data-id=\"b29fc1c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Flat rate pricing is the credit card processing price model that gives merchants a fixed percentage fee and fixed transaction fee for each transaction. The price is typically 2.9% and $0.30 per transaction.<\/p><p><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); font-size: 1rem;\">When merchants are on flat rate pricing, the type of credit card used will not impact the cost. Each credit card category has their own interchange price, which is the fee that banks charge that gets passed on to merchants. You don&#8217;t need to worry about the different credit card fees with flat fee pricing, so the pricing is predictable. There is some peace of mind you get flat rate pricing.<\/span><\/p><p><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); font-size: 1rem;\">Flat fee pricing offers simplicity, but you should be aware that there is a cost for this simplicity. Typically a merchant could have lower fees if on a different pricing structure. Generally, t<\/span><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); font-size: 1rem;\">he only way flat fee pricing is cheaper than interchange plus pricing is when the average transaction size is really low such as less than $5 per transaction. That would be for merchants like quick serve stores.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-026f3de elementor-widget elementor-widget-heading\" data-id=\"026f3de\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Interchange Plus Pricing (aka Cost Plus) in Payment Processing<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ecb335 elementor-widget elementor-widget-text-editor\" data-id=\"2ecb335\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>The <a href=\"https:\/\/trc-parus.ru\/blog\/what-is-interchange-plus-in-payment-processing\/\">interchange fee<\/a> is the underlying cost that banks charge merchants for the use of credit cards. Different types of credit cards have different fees. For example, a high end black credit card or infinite privilege has a much higher interchange fee than a basic credit card. The interchange fee is an important thing to understand in order to minimize your costs. You can review some of the <a href=\"https:\/\/trc-parus.ru\/interchange-rates-in-canada\/\">interchange rates by card type<\/a>.<\/p><p>With the interchange plus pricing model, the fee changes based on the type of credit card you are processing, however the markup stays the same for each transaction. This means when a basic credit card is used, you&#8217;ll pay very low fees. If high end cards are used, you&#8217;ll pay higher fees. This give merchants the change to optimize fees to get the <a href=\"https:\/\/trc-parus.ru\/cheapest-credit-card-processing\/\">cheapest credit card processing<\/a> possible.<\/p><p>It&#8217;s important to understand that the majority of credit cards processed in North America are closer to the basic credit cards and therefore have low interchange rates. This means the chances are high that your interchange rates are low.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d594084 elementor-widget elementor-widget-heading\" data-id=\"d594084\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Is Interchange Plus Pricing Better?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ec1ac5 elementor-widget elementor-widget-text-editor\" data-id=\"3ec1ac5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Interchange plus pricing is by far the cheaper option for most businesses as it allows merchants to take advantage of changing interchange rates.\u00a0<span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-size: 1rem; font-weight: var( --e-global-typography-text-font-weight );\">Flat rate payment processors bake the fluctuations of interchange rates into their fees, so you&#8217;ll generally be paying more with flat free pricing.<\/span><\/p><p><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-size: 1rem; font-weight: var( --e-global-typography-text-font-weight );\">The only times that we would generally say that you should look at flat fee providers with 2.7%+ fees is if your average transaction size is less than $5 or you are processing less than $5,000 per month.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>In payment processing, the two most popular pricing models are flat rate pricing and interchange plus pricing. Interchange plus pricing is also known as cost plus pricing.&nbsp; Even though this article focuses on those two, there are other innovative models that exist such as membership pricing where you pay a monthly fee to get access [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":7076,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[30],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Flat Rate vs Interchange Plus Pricing in Payment Processing<\/title>\n<meta name=\"description\" content=\"Interchange plus pricing and flat fee pricing in payment processing are the two most common models for credit cards. 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