Two dominant pricing models exist. Flat pricing offers a blended rate, simple to understand. Interchange++ passes true network costs (interchange + assessments) plus a fixed markup.
When Flat Pricing Works
Predictable for small merchants or mixed CNP volumes. Watch for minimum fees and cross‑border surcharges.
When Interchange++ Wins
Larger, card‑present volumes with good data quality tend to benefit. Review downgrades and compliance indicators (e.g., proper AVS).
Effective Rate
Divide total fees by total volume. Compare proposals using the same volume mix and channels.