Merchant Services · Free Tool
Interchange-plus vs flat-rate
Flat-rate pricing is easy to understand, which is exactly why it stays popular even when it costs more. Put in your numbers and see how a flat rate stacks up against transparent interchange-plus pricing.
Why flat-rate usually costs more
A flat rate bakes a comfortable margin into every swipe so the processor wins on average. Interchange-plus charges you the actual network cost plus a fixed, visible markup, so you stop overpaying on the cards that are cheap to run. The bigger your volume, the more that gap adds up.
Want the deeper read? How to read your merchant statement in 5 minutes.