The only pricing model that shows you exactly what the card networks charge — and exactly what we make. No games, no guessing.
Every card transaction in the United States has an underlying wholesale cost set by Visa and Mastercard — called the interchange rate. This rate is public, non-negotiable, and goes directly to the card-issuing bank. It is not set by your processor. It is not something anyone can change. It is what it is.
Interchange-Plus pricing means you pay that exact wholesale rate — plus a small, fixed markup that goes to your processor. Our markup. That's it. Two components. Full transparency.
The alternative — flat-rate or tiered pricing — bundles those costs together and hides the processor's margin inside a single inflated rate. The processor wins. You pay more. You have no idea how much more. Interchange-Plus eliminates that entirely.
Most processors use flat-rate or tiered models that obscure their margin. Here's what the difference looks like in practice.
| Factor | Flat-Rate / Tiered | Interchange-Plus |
|---|---|---|
| Rate visibility | One blended rate hides margins | Every component shown separately |
| Processor margin | Hidden inside blended rate | Fixed, visible, agreed upon |
| Card type cost pass-through | You overpay on debit/low-cost cards | You pay actual cost for every card type |
| Statement clarity | Confusing, opaque, hard to audit | Line-by-line, fully auditable |
| Best for | Processors who want margin opacity | Any merchant who wants control |
Interchange-Plus statements aren't just transparent — they're an audit trail. Every line is accountable.
Not a universal answer, but close. Any business processing over $10K/month in card volume benefits significantly.
The more you process, the more flat-rate pricing costs you in hidden margin. Interchange-Plus eliminates that waste at scale.
High transaction counts mean small per-transaction overcharges add up fast. Transparent pricing puts that money back in your pocket.
Business card transactions often carry higher interchange rates. Interchange-Plus gives you full visibility and Level 2/3 optimization opportunities.
Consolidate processing across locations under one transparent pricing structure. Audit any location's processing costs at any time.
If you've looked at your processing statement and had no idea what you were paying or why, Interchange-Plus solves that entirely.
Local businesses deserve local accountability. We serve the Omaha metro with direct access to a real partner — not a national call center.
Send us your current processing statement. We'll run a line-by-line interchange analysis against what you're actually paying — and show you, in writing, what the difference would be. No sales call required to start.
We cover the greater Omaha metro and all of Nebraska. When you have a question, you call a local 402 number. Not a tech support queue in a different time zone.
Get a Free Statement ReviewInterchange-Plus gives you control. The free statement review shows you exactly what you've been losing. It takes 60 seconds to start.
Get a Free Statement Review