Flat Rate vs. Interchange-Plus Pricing

Read the fee structure before comparing percentages

A flat-rate quote generally states a bundled charge for a defined transaction type. An interchange-plus quote generally shows underlying interchange and a separate provider markup. Ask which account, gateway, or event fees are charged in addition to either model.

Create scenarios for your actual orders

Compare a small order, a typical order, and a large order. For each scenario, enter the quoted percentage, fixed transaction charge, and any relevant variable fees. Use the same card mix and the same order volumes for each quote. For an interchange-plus quote, ask which assumptions the provider used for the underlying card costs.

Review the terms alongside the math

• Check whether international, keyed, recurring, and online payments are priced separately.
• Ask how pricing changes are communicated and how long you have to review them.
• Compare funding timing, reserve terms, and support separately from your calculated rate.