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.
22 processors
A B2B SaaS billing and revenue operations platform that adds subscription management and ASC 606 revenue recognition on top of your existing payment gateway.
Interchange-plus
online rate
$599 on Grow
monthly fee
Varies
payout
US merchant services provider that specializes in placing high-risk and hard-to-approve businesses with acquiring banks and gateways.
Custom quote
online rate
$5 to $25 reported
monthly fee
2-day
payout
US payment gateway built for B2B and B2G sellers, with automated Level 2 and Level 3 data to cut interchange on commercial cards.
Custom quote
online rate
Roughly $15 to $75
monthly fee
Next day
payout
Texas high-risk provider that returns a price the moment you finish the online form, across more than 50 regulated verticals. US businesses only.
Custom quote
online rate
Custom quote
monthly fee
Varies
payout
New Zealand-based omnichannel processor and acquirer covering online, in-store and unattended payments in more than 40 countries.
Custom quote
online rate
Custom quote
monthly fee
Next day
payout
Chicago ISO selling interchange-plus card processing, a branded gateway and its own Waves POS system. Sponsored into the card networks by Westamerica Bank.
Custom quote
online rate
Custom quote
monthly fee
2-day
payout
Stax-owned US merchant account provider that dropped the flat membership fee it was built on. Pricing is now interchange-plus, quoted account by account.
Custom quote
online rate
Custom quote
monthly fee
Varies
payout
Payroc-owned New Jersey ISO selling a proprietary gateway to B2B and large-ticket merchants. No rates published, and the contract runs three years.
Custom quote
online rate
Custom quote
monthly fee
Varies
payout
U.S. Bank's merchant acquirer, with more than 2 million customers in the US, Europe and Canada and merchant processing in over 30 countries, on quoted pricing.
From 2.90% + $0.30 per qualified transaction
online rate
$10 small business fee, per CardFellow
monthly fee
2-day
payout
Merchant One is a Miami Beach-based ISO that resells Wells Fargo merchant accounts with tiered pricing, Clover hardware and a $13.95 monthly fee.
0.29% to 1.99% qualified
online rate
$13.95
monthly fee
Varies
payout
Interchange-plus pricing separates your payment processing cost into two parts: the interchange fee set by the card networks and issuing banks, plus a markup charged by your processor.
For example, if a transaction has an interchange cost of 1.65% + $0.10 and your processor charges a markup of 0.30% + $0.10, your total cost would be 1.95% + $0.20 for that transaction.
The advantage is transparency. Instead of paying one blended rate, you can see the interchange cost and processor markup separately on your statement.
Your effective rate can change from month to month because different cards have different interchange rates. A basic debit card may cost less to process than a rewards credit card, for example.
The tradeoff is simplicity. Flat-rate processors such as Square and standard Stripe pricing are easier to understand upfront. Interchange-plus pricing can become more attractive as processing volume grows, but the actual savings depend on your transaction mix, processor markup, and monthly fees. The flat-rate processors page covers the other side of that decision.
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