See what you actually pay. Not what they tell you to pay.
Interchange-plus pricing means every transaction itemizes interchange, network assessments, and our markup separately. No tiered shenanigans. No hidden padding. The math is provable.
Tiered pricing is how your processor pads margin invisibly.
Tiered pricing buckets transactions into 'qualified, mid-qualified, non-qualified' with different rates for each. The processor controls which transactions go in which bucket. You have no way to verify the math. Result: average effective rate is 0.4% to 0.8% higher than interchange-plus pricing on the exact same transactions.
- →Your statement says '2.45%' but your effective rate is actually 3.10% because most transactions land in non-qualified.
- →There's no way to audit which transactions got bucketed where, the processor decides.
- →Card-not-present and AmEx routinely get bucketed at higher tiers regardless of their actual interchange cost.
- →On $400K/year in volume, tiered pricing typically costs $1,600 to $3,200 more than interchange-plus.
What interchange-plus saves you.
Real cost difference between tiered and interchange-plus on the same business.
Transparent pricing isn't a feature. It's how it should be done.
Every transaction shows you the actual interchange (set by the card networks), the network assessments (set by the networks), and our markup (the only thing we control). You can verify our markup against the published interchange tables. We don't make money you can't see.
Features built for interchange-plus pricing.
Itemized statements
Every transaction line shows interchange, assessments, and our markup separately. Add them up, that's what you paid. No hidden buckets.
Real interchange pass-through
When Visa or Mastercard updates interchange, your costs update. When a transaction is rewards-card vs. debit, you see the actual interchange difference. No bucketing, no padding.
Published markup
Our markup is published per pricing tier and never adjusted without notification. No surprise rate increases. No mystery 'PCI fees' or 'network access fees' that are really just margin.
Volume-based tier upgrades
Hit volume thresholds, get better markup automatically. We don't make you renegotiate. We don't hide it. The tier you qualify for is the tier you get.
Where this solution wins.
$30K+/month merchants
Volume threshold typically required to qualify for interchange-plus, savings start to materialize.
High-ticket businesses
Med spas, auto repair, professional services, single transactions in the thousands benefit most from transparent pricing.
Multi-location groups
Aggregate volume across locations to qualify for better tier markup.
B2B businesses
Larger ticket sizes, fewer transactions, interchange-plus saves more than flat-rate.
Mature businesses moving off Square
Square's flat 2.6% + $0.10 is convenient but expensive at scale, interchange-plus saves once you cross $30K/month.
Common questions about interchange-plus pricing.
Flat-rate charges one rate regardless of transaction type. Interchange-plus passes through actual interchange (which varies by card type) plus a fixed markup. Higher-volume businesses save with interchange-plus; very-low-volume businesses sometimes pay more.
Generally $30K/month is the threshold where interchange-plus saves money over flat-rate. Below that, the simplicity of flat-rate may win even at slightly higher cost.
Card networks publish interchange tables. Pick any transaction on your statement, look up that card type's published interchange, add our markup, that should match what you paid.
No. Our markup is set per pricing tier and changes are communicated 30+ days in advance. Network interchange and assessments can change with shorter notice (those are set by the networks, not us).
Built for these verticals.
From the Reyna Pay blog.
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