Enterprise-grade global payments on a single platform.
Interchange + 0.60% + $0.13
online rate
$0
monthly fee
T+2
payout
Enterprise
Global
Omnichannel
Best interchange-plus payment processors
Interchange-plus pricing shows you the true card-network cost plus a fixed markup, so it's the most transparent model and usually the cheapest once you have steady volume. These processors offer interchange-plus pricing.
21 processors
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Rated 4.5 out of 5 from 4 reviews.
Transparent interchange-plus pricing with automatic volume discounts.
Interchange + 0.50% + $0.25
online rate
$0
monthly fee
Next day
payout
Growing SMBs
Transparent pricing
Omnichannel
Subscription-style pricing that passes interchange straight through.
Interchange + $0.15
online rate
$99
monthly fee
Next day
payout
High volume
Predictable cost
Established businesses
Publishes its exact interchange-plus markup by industry rather than quoting it, and prices nonprofits lower still.
IC + 0.20% + $0.11
online rate
$20, $15 nonprofit
monthly fee
Varies
payout
Nonprofits
Small Business
Retail Storefronts
+1
European payment service provider with published per-transaction pricing, deep local method coverage and no monthly fee for online payments.
1.8% + EUR 0.25
online rate
EUR 0 online
monthly fee
Varies
payout
European ecommerce
Small business
Marketplaces
+1
US merchant services provider offering paperless card and ACH processing on month-to-month terms with no cancellation fee.
From 1.49% + $0.15
online rate
None above $10k volume
monthly fee
2-day
payout
Healthcare practices
Auto repair shops
Professional services
Enterprise acquirer with direct licenses across the UK, EEA, US, APAC and MENAP, custom Interchange++ pricing and same-day settlement.
Custom quote
online rate
None
monthly fee
Varies
payout
Enterprise ecommerce
International sellers
Marketplaces
+1+1
Austin merchant account provider that splits one merchant's volume across several MIDs, built for high-risk and direct-response sellers.
2.69% + $0.36
online rate
Typically $25
monthly fee
Varies
payout
High-risk merchants
Direct response marketers
Coaching and info products
+1
Long-running Colorado high-risk ISO that places domestic, international and offshore merchant accounts, with month-to-month terms for most merchants.
Custom quote
online rate
Custom quote
monthly fee
Varies
payout
Offshore merchants
High-risk ecommerce
Multi-currency sellers
+1
Global enterprise acquirer processing 55 billion transactions a year across 174 countries, now owned by Global Payments.
Custom quote
online rate
Negotiated
monthly fee
Next day
payout
Enterprise acquiring
Multi-country retailers
Platforms and PayFacs
+1+1
Global payment orchestration with local acquiring in 50 countries, published regional fee schedules and intelligent routing with failover.
2.9% + $0.30
online rate
$0 above $5,000 sales
monthly fee
2-day
payout
Multi-region ecommerce
B2B and AR automation
Platforms and marketplaces
+1+1
A Florida-based high-risk merchant account provider that places specialty businesses with acquiring banks in the US, UK, EU, Canada and Australia.
Custom quote
online rate
None advertised
monthly fee
Next day
payout
High-risk ecommerce
CBD and supplements
Telehealth
+1+1
Frequently asked questions
- Is interchange-plus cheaper than flat-rate?
- For established businesses with consistent volume, interchange-plus is usually cheaper because you pay the real interchange cost plus a small fixed markup instead of a blended rate. Very small or new businesses may still prefer flat-rate simplicity.
- What does interchange-plus mean?
- Interchange is the fee the card networks charge; 'plus' is your processor's fixed markup on top. Because the two are itemised, you can see exactly what you're paying, unlike tiered or blended pricing.
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