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This is the most standard pricing structure and is typically used by large-volume businesses. Interchange Pricing is what credit card issuers like Discover and Visa charge merchants to process credit card and debit card transactions. The merchants then charge a markup on their products and services for that interchange. This additional markup allows the merchant to process that transaction and receive customer service as needed.
The Flat Rate pricing model is a fixed percentage added to each credit card or debit card charge. There are some Flat Rate models that include a per-transaction fee as well. Flat Rate is often a good model for companies that do not take credit card payments in person, or where no card is present. This plan is often used by smaller-volume companies.