{"id":976,"date":"2020-02-23T22:45:43","date_gmt":"2020-02-23T22:45:43","guid":{"rendered":"https:\/\/trc-parus.ru\/?p=976"},"modified":"2023-05-08T08:08:15","modified_gmt":"2023-05-08T16:08:15","slug":"interchange-plus-pricing-for-merchant-accounts","status":"publish","type":"post","link":"https:\/\/trc-parus.ru\/blog\/interchange-plus-pricing-for-merchant-accounts\/","title":{"rendered":"Interchange Plus Pricing for Merchant Accounts"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"976\" class=\"elementor elementor-976\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e79797f e-flex e-con-boxed e-con e-parent\" data-id=\"e79797f\" data-element_type=\"container\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-d5915cb e-con-full e-flex e-con e-parent\" data-id=\"d5915cb\" data-element_type=\"container\" data-core-v316-plus=\"true\">\n\t\t\t\t<div class=\"elementor-element elementor-element-da109be elementor-widget elementor-widget-text-editor\" data-id=\"da109be\" 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 - v3.20.0 - 26-03-2024 *\/\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\tIf there is one point you should take from this article, it is that Interchange Plus pricing is by far the most merchant friendly pricing model in credit card processing. If you don&#8217;t have interchange plus, get it. It is the model that is most difficult to have unexpected fees and it is the easiest way model to compare across payment processors.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c3fd308 elementor-widget elementor-widget-heading\" data-id=\"c3fd308\" 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 - v3.20.0 - 26-03-2024 *\/\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\">Types of pricing models<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f4e3b08 elementor-widget elementor-widget-text-editor\" data-id=\"f4e3b08\" 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\tThere are three common pricing models in payment processing: tiered pricing, interchange plus pricing, and flat fee pricing.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ba4f204 elementor-widget elementor-widget-heading\" data-id=\"ba4f204\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Tiered pricing<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-297948a elementor-widget elementor-widget-text-editor\" data-id=\"297948a\" 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\tWith tiered pricing, it makes it close to impossible to determine how much you are paying on top of the interchange fees. Therefore, merchant account providers that use tiered pricing can easily increase fees to make more money. Also, when you see processors saying that they offer rates like 1.49%, they are certainly using tiered pricing. They may give 1.49% on &#8220;qualified&#8221; transactions, but that&#8217;s it. It is quite possibly the case that only 1% of your transactions are qualified. Deceptive marketing on pricing occurs a lot in tiered pricing.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d08451 elementor-widget elementor-widget-heading\" data-id=\"3d08451\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Interchange plus<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4279a11 elementor-widget elementor-widget-text-editor\" data-id=\"4279a11\" 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>True interchange plus pricing takes all the fees passed from the banks and card associations (Visa and MasterCard) and passes them through to the merchant. The processor then puts a fixed and clear markup. \u00a0The markup is to cover the cost of doing business including support, software development, sales, marketing, and some profit. In interchange plus, you will see pricing like interchange plus 50. This means passing through the interchange fees and adding 0.50%. The 50 mean 50\u00a0basis points, or 0.50%. An average transaction has an interchange of approximately 1.81%. This means with interchange plus 50, your rate would be around 2.31%.<\/p>\n<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 ); text-align: var(--text-align);\">The interchange fees are fees created directly by the credit card associations (Visa and MasterCard) and they can get pretty complicated. There are different rates for each type of credit card, such as the type of transaction (i.e. eCommerce, phone, etc), whether the card was in-person or not, and a collection of other factors. You can see a simplified table of interchange rates. You can also check the interchange rates out directly from Visa and MasterCard because they are publicly available.<\/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-a2198c7 elementor-widget elementor-widget-heading\" data-id=\"a2198c7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Flat rate<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e2a6375 elementor-widget elementor-widget-text-editor\" data-id=\"e2a6375\" 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\tFlat rate is the most simple. You&#8217;ll see rates like 2.75%, which is the typical flat rate pricing. It&#8217;s nice that you know what you get, but that simplicity is expensive. After tiered pricing, it is the most expensive. If you&#8217;re processing more than around $4,000 per month, it&#8217;s best to get a real merchant account and move to interchange plus pricing. You will save money. See the example below.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d3c7e89 elementor-widget elementor-widget-heading\" data-id=\"d3c7e89\" 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\">Why interchange plus is the best pricing?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1bf4c0a elementor-widget elementor-widget-text-editor\" data-id=\"1bf4c0a\" 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 issue with flat fee payment processor pricing is that it is expensive. That&#8217;s really it. The higher your processing levels, the more sense it makes to move off flat fee pricing. That&#8217;s why flat fee pricing is typically for micro businesses. If you are processing $12,000 per year, the cost difference is minimal. You could save 0.5%, so you could save $60 per year. That might not be much for you. However, if you are processing $500,000 per year, you can save $2,500 per year. That gets meaningful.<\/p><p>The issue with tiered pricing is that it is easy for processors to markup fees too high. We come across merchants all the time that are pay 4% or 5%. That&#8217;s ridiculous. Many times, the merchants don&#8217;t even know they are paying these rates until we do a pricing comparison for them. We hear &#8220;our processor told us that we get 1.49%&#8221;. Unfortunately, it&#8217;s not true due to non-qualified fees.<\/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 ); text-align: var(--text-align);\">In interchange plus pricing, by clearly showing you interchange fees for your merchant account, you can easily see what the payment processing markup is. This encourages processors to use reasonable markup rates.<\/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-6b4f20d elementor-widget elementor-widget-heading\" data-id=\"6b4f20d\" 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\">Where can you get interchange plus pricing?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1dc02c5 elementor-widget elementor-widget-text-editor\" data-id=\"1dc02c5\" 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>Not all payment processors offer interchange plus. Many payment processors don&#8217;t even have the systems in place to technically offer interchange plus pricing. Some processors will only offer interchange plus pricing to large merchants processing over $10,000,000.<\/p>\n<p>These days, you can find a processor to offer you interchange plus. You just need to look for it. At TRC-Parus, we exclusively use interchange plus. We are racing the processing fees to the bottom and interchange plus is the best way to do that.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>If there is one point you should take from this article, it is that Interchange Plus pricing is by far the most merchant friendly pricing model in credit card processing. If you don&#8217;t have interchange plus, get it. It is the model that is most difficult to have unexpected fees and it is the easiest [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":959,"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 v22.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Interchange Plus Pricing for Merchant Accounts - Credit Card Processing<\/title>\n<meta name=\"description\" content=\"Interchange Plus Pricing for Merchant Accounts including all the benefits, how pricing works, and how to get interchange plus processing.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/trc-parus.ru\/blog\/interchange-plus-pricing-for-merchant-accounts\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Interchange Plus Pricing for Merchant Accounts - 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