{"id":7079,"date":"2021-12-15T17:51:01","date_gmt":"2021-12-15T17:51:01","guid":{"rendered":"https:\/\/trc-parus.ru\/?p=7079"},"modified":"2022-04-19T15:21:05","modified_gmt":"2022-04-19T15:21:05","slug":"what-is-interchange","status":"publish","type":"post","link":"https:\/\/trc-parus.ru\/blog\/what-is-interchange\/","title":{"rendered":"What is Interchange?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"7079\" class=\"elementor elementor-7079\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1cc8d51 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1cc8d51\" 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-5fc58b8\" data-id=\"5fc58b8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e4f7994 elementor-widget elementor-widget-text-editor\" data-id=\"e4f7994\" 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 - v3.17.0 - 08-11-2023 *\/\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>When your business processes a credit card, you will be charged a transaction fee. The majority of that fee is the interchange fee.<\/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-05a184e elementor-widget elementor-widget-heading\" data-id=\"05a184e\" 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 - v3.17.0 - 08-11-2023 *\/\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\">What is the interchange fee?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4c672da elementor-widget elementor-widget-text-editor\" data-id=\"4c672da\" 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 interchange fee is part of your transaction fee that your business will pay when a customer pays with a credit card. The customer doesn&#8217;t get impacted by the interchange fee, just you pay it as a business for the ability to accept credit cards. There are hundreds of interchange rates that vary depending on a several factors. These factors include the type of credit card used, which brand is on the credit card (Visa, MasterCard, Amex, etc), what type of business you\u2019re operating, and whether the purchase was made in-person or online.<\/p><p>Interchange fees are only for credit cards. Debit cards do not use interchange fees. They have their own set of fees.<\/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-b7fbfb1 elementor-widget elementor-widget-heading\" data-id=\"b7fbfb1\" 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\">Who sets the rate of the interchange fee?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f09168 elementor-widget elementor-widget-text-editor\" data-id=\"9f09168\" 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 interchange fees are set by the card brands (Visa, Mastercard, etc.) and each card brand has different fees for the different types of credit cards and the different industries that accept credit cards. Unfortunately, that makes interchange fees a little complicated.<\/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-4d55515 elementor-widget elementor-widget-heading\" data-id=\"4d55515\" 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\">Can I negotiate lower interchange rates?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4912a5c elementor-widget elementor-widget-text-editor\" data-id=\"4912a5c\" 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 fees are determined by the card brand and cannot be negotiated. Sometimes the card brands adjust the interchange fee but that impacts all merchants across the country.<\/p><p>Visa and Mastercard post announcements when they change the interchange fees, which usually occurs twice a year, generally in April and October.<\/p><p>Sometimes you see flat rate pricing with some payment processors. The majority of that fee is based on the interchange fee. Flat fee rates need to make sure they are profitable on all card types and industries, which is why merchants generally pay more with flat fee pricing.<\/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-39899fb elementor-widget elementor-widget-heading\" data-id=\"39899fb\" 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\">Who gets the money from the interchange fee?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dd3ab67 elementor-widget elementor-widget-text-editor\" data-id=\"dd3ab67\" 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 interchange fee gets paid to the issuing bank for putting the the credit cards into consumers&#8217; hands and for facilitating the transaction. The fee is paid for service of security, fraud protection, and the authorization of your business\u2019s transactions in real-time.<\/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-7ae8121 elementor-widget elementor-widget-heading\" data-id=\"7ae8121\" 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 it possible to lower my interchange rates?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c85108c elementor-widget elementor-widget-text-editor\" data-id=\"c85108c\" 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>Yes, it is possible to lower your interchange rates. It&#8217;s not by negotiating lower fees though. It&#8217;s by setting up your business to reduce the risk of your business in the eyes of Visa and Mastercard.<\/p><p>One way to lower your interchange fees is to lower the risk of a chargeback. When you charge someone a fee then deliver the service in the future sometime, that&#8217;s higher risk because the customer has more chance to dispute the charge (i.e. do a <a href=\"https:\/\/trc-parus.ru\/blog\/the-way-to-reduce-chargebacks\/\">chargeback<\/a>). Try to charge the customer at the same time you deliver the product or service.\u00a0<\/p><p>Another way to reduce interchange fees is to conduct the transaction in person if possible. Taking credit card orders over the phone and online has higher interchange fees unfortunately. Credit card transactions without the person present are statistically higher risk.<\/p><p>Lastly, the type of credit card used impacts the interchange rate. The more basic the credit card, the lower the interchange fee. This is difficult to influence, but try to accept basic credit cards. Enjoy a full are article on ways to <a href=\"https:\/\/trc-parus.ru\/blog\/reasons-why-higher-credit-card-fees-are-charged\/\">reduce your interchange fees<\/a>.<\/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\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>When your business processes a credit card, you will be charged a transaction fee. The majority of that fee is the interchange fee. What is the interchange fee? The interchange fee is part of your transaction fee that your business will pay when a customer pays with a credit card. The customer doesn&#8217;t get impacted [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":2472,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[10],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is Interchange? - Credit Card Processing and Merchant Account<\/title>\n<meta name=\"description\" content=\"What is interchange, who pays for it, and how can you minimize the interchange you pay. 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