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Interchange Plus is the most transparent, lowest-cost way to accept credit cards. We offer it to businesses tired of hidden fees, bundled markups, and opaque billing from Stripe, Square, and PayPal.
Every credit card transaction has two cost layers. Most processors bundle them together and charge you a single inflated rate. Interchange Plus separates them — so you see exactly what each layer costs and pay only what's fair.
PayPal, Stripe, and Square bundle the card network's wholesale cost and the processor's profit into one rate. They charge the same high rate regardless of whether someone pays with a cheap debit card or an expensive rewards card.
You pay the actual wholesale rate that Visa and Mastercard publish — nothing more — plus a small, fixed, transparent markup that never changes based on card type. No tiers. No surprises. No bundling.
Interchange Plus is the pricing model that banks, large retailers, and sophisticated businesses have used for decades. It was intentionally kept away from small and mid-sized businesses — because it dramatically reduces processor profit margins. KJ ProWeb makes it available to any business that processes payments.
Based on a typical mix of consumer debit, credit, and rewards cards at 500 transactions per month.
Estimates based on a typical B2C transaction mix. Actual savings vary. Request a free analysis using your real statements.
There are four deliberate reasons why Stripe, PayPal, and Square don't offer Interchange Plus by default — none of them have anything to do with your best interests.
Flat-rate pricing makes processors significantly more money at your expense. A basic debit card transaction costs a processor roughly 0.05% + $0.21. PayPal charges you 2.99% + $0.49. They pocket the massive spread — and they count on you not knowing.
Tiered pricing — "qualified," "mid-qualified," and "non-qualified" tiers — is intentionally confusing. When you can't understand your bill, you can't tell if you're overpaying. When you can't compare processors, you stay put. Confusion is profitable.
Flat-rate pricing charges the same rate to a startup doing $1,000/month and an established business doing $100,000/month. Higher-volume merchants should benefit from economies of scale. Flat-rate processors aren't interested in growing with you.
Many processors specifically target businesses that prioritize "simplicity" over savings. Flat-rate is simpler — but you're paying hundreds or thousands of dollars per month for that simplicity. Like buying a car without knowing what the engine, tires, or labor cost individually.
Unlike flat-rate or tiered models, Interchange Plus separates the wholesale cost (set by Visa/Mastercard) from the processor's markup. No hidden profit buried in "qualified" tiers. You see every charge, every month, broken down by transaction category.
You pay the actual cost of the specific card used plus a small markup. Debit cards have a wholesale cost of ~0.05% + $0.20. Under flat-rate pricing, companies like Square charge 2.6% + $0.10 on that same card.
No terminal rental. No PCI compliance upcharges. No gateway fees bundled into your rate. No monthly minimums or annual fees hiding in the fine print. Just honest pricing with full disclosure before you sign anything.
Businesses with larger monthly processing volumes benefit most from Interchange Plus. As your volume grows, your effective rate decreases naturally because a larger share of your transactions hit the lowest interchange categories.
If a processor can't answer these clearly and in writing, walk away. Legitimate processors are proud of their transparency and eager to explain it.
This is the most important question — it reveals your processor's true profit margin. In Interchange Plus pricing, you should get a clear answer like "0.30% + $0.10 per transaction." If they can't give you a straight answer, that's a red flag.
Some processors advertise low rates to win your business, then raise their markup after a few months. You need to know if your rate is locked in and what triggers any potential increase.
True Interchange Plus means you pay the actual interchange rates set by the card networks — no markups, no hidden padding. Some processors claim to offer Interchange Plus but actually mark up the interchange itself.
Some processors exclude certain transaction types — keyed-in transactions, international cards, or chargebacks — from Interchange Plus and charge flat rates instead. This defeats the purpose of transparent pricing.
Interchange Plus pricing should mean transparent transaction costs, but some processors layer on monthly fees, statement fees, PCI compliance fees, batch fees, and other charges that can add hundreds of dollars to your monthly bill.
The whole point of Interchange Plus is transparency. If you can't easily verify that you're being charged correctly, you're not getting the benefit of this pricing model at all.
Certain transactions can "downgrade" to higher interchange categories if not processed correctly — missing data, delayed settlement, etc. This costs you money. Good processors help you qualify for the lowest possible interchange rates.
Your business isn't static. Understanding how volume changes affect your pricing helps you plan and negotiate better terms as you grow.
This is your opportunity to see exactly what you're signing up for before you commit. If the processor won't provide a sample statement or can't clearly explain charges, you'll face the same confusion every month.
You need to see actual savings projections based on your real transaction data — not hypothetical examples. A good processor will analyze your current statements and show you exactly what you would have paid under their pricing.
If you encounter any of these during a sales conversation or in a contract, stop immediately. These are the signals of a predatory processor — not a long-term partner.
If a sales rep dances around your questions, uses vague terminology, or says "don't worry, our rates are competitive" — walk away. Legitimate processors are proud of their transparency.
Any processor that refuses to offer Interchange Plus to businesses processing over $50,000/month is deliberately overcharging you. There is no legitimate reason to deny transparent pricing to established businesses.
This is a massive red flag. If they're hiding fees until after you're under contract, you can guarantee those fees are excessive. Never sign a processing agreement without a complete, written fee schedule.
Some processors use "Interchange Plus" as marketing language without actually providing transparent pricing. If they won't give you their precise markup (e.g., "0.35% + $0.08"), they are not offering true Interchange Plus.
Processors confident in their value don't trap merchants in contracts. If they're charging $500 early termination fees and auto-renewing for multiple years, it's because they know merchants will want to leave.
Processors offering genuine savings are eager to prove it by analyzing your actual data. If they make excuses about why they can't do a statement analysis — they know their pricing isn't competitive.
When processors bundle payment processing, POS systems, gateway fees, and other services into one monthly price without breaking down each component — they are hiding excessive charges in the package.
This is a classic bait-and-switch. They dangle free or discounted equipment while locking you into terrible processing rates. Your monthly processing fees will dwarf equipment costs — never choose a processor based on hardware.
Send us 1–3 months of your current processing statements. We'll analyze every transaction, calculate your exact savings under Interchange Plus pricing, and show you the numbers — with no obligation and no pitch.
KJ ProWeb is an authorized Independent Sales Partner representing PaymentCloud, Inc., Best Rate Merchant Services, eMerchantBroker LLC, and North American Bancard LLC (NAB). NAB is a registered ISO of BMO Harris Bank N.A., Citizen's Bank N.A., The Bancorp Bank, and First Fresno Bank.
