Pricing model comparison
Interchange-plus, tiered, and flat-rate models explained.
Read more →Payments reference library
The Interchange Library
Learn how the underlying card economics work—without mistaking a network rate table for your full processing bill.
Core concepts
Interchange is one component. Your bill is the whole system.
The interchange component typically relates to the issuer and transaction characteristics. Network fees, acquirer/processor markup, gateway services, and other charges may sit alongside it. Understand the layers before comparing offers.
Your effective rate
What a historic cost-to-volume ratio reveals—and what it doesn't.
Read more →Card-present vs. not-present
How channel and transaction characteristics can affect processing economics.
Read more →How to read rate tables
How to locate current official tables and avoid outdated comparisons.
Read more →Statement Decoder
Find the cost categories that appear on a real statement.
Read more →Terms & definitions
Learn the vocabulary that shows up in contracts and fee schedules.
Read more →Why the exact rate depends on transaction details
Payment network rules and published schedules distinguish among card brands, product types, merchant characteristics, entry modes, authentication, and other data. The way a specific transaction is categorized can affect its interchange component.
No single interchange percentage applies across all businesses or all transactions. Claims about a universal 'wholesale rate' should be treated cautiously.
Why we do not publish an unverified live rate table
Published schedules change, and card networks maintain their own documents. Rather than display guessed figures, the rate-table guide explains what to verify and where to check. A current comprehensive table requires source-date, region, effective-date, and maintenance controls.