📈 Interchange-Plus Payment Processing Rate Calculator
Calculate true interchange-plus pricing vs flat-rate processors to find the most cost-effective option.
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📘 Complete Guide: Interchange-Plus Payment Processing Rate Calculator
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What is interchange-plus pricing?
Interchange-plus passes the actual interchange rate (set by Visa/Mastercard) plus a transparent markup from your processor. At high volumes, this is typically 0.5-0.8% cheaper than flat-rate pricing.
When does interchange-plus beat flat-rate?
Above approximately $10,000-$15,000/month in credit card volume, interchange-plus pricing becomes cheaper than Stripe's flat 2.9%. The savings compound at higher volumes.
Who offers interchange-plus pricing?
Helcim, Dharma Merchant Services, Payment Depot, and Stax all offer interchange-plus. Stripe offers it to high-volume merchants (above $80,000/month). Square does not offer interchange-plus.