Process each individual credit card transaction at the lowest possible rate!
Our interchange-plus pricing model gives you:
- Processing rates calculated separately for each transaction to ensure that none of them is overpriced.
- No more mid-qualified and non-qualified fees.
- No authorization fees and no fixed monthly fees.
It is important to look beyond the headline rates at the total processing costs. Other companies often advertise heavily discounted rates, but you get to pay much higher “non-qualified” rates, monthly fees, etc.
Interchange-Plus Credit Card Processing Pricing
| Application fee | $0 |
| Merchant account set-up fee | $0 |
| Equipment set-up or reprogramming fee | $0 – Physical stores |
| Authorize.Net gateway set-up fee | $0 – E-commerce |
| Authorize.Net gateway monthly fee | $0 – E-commerce |
| Visa / MasterCard discount rate | 0.50% + $0.15 |
| Monthly minimum requirement | $0 – All merchant types |
We can provide credit card acceptance services to US-based and international organizations!
Your processing rate is the sum of what your processor (e.g. UniBul Merchant Services) charges you and what Visa or MasterCard charge you. With the interchange-plus credit card processing model, the rate we charge is the same for all types of credit and debit cards, both in face-to-face and card-not-present settings, which ensures that you do not get arbitrarily overcharged for transactions that may otherwise have been classified as “mid-” or “non-qualified.” Your total processing cost will vary by transaction, because the fees charged by Visa and MasterCard vary by card type.
Your service benefits will include:
- Quick application decision
- Full pricing disclosure before any commitment is made
- Acceptance of Visa, MasterCard, American Express and Discover
- Optional acceptance of checks and other payment methods
- Daily ACH deposits directly into your bank account for a quicker access to your money
- Risk management services to minimize your fraud exposure
- Review transactions, manage chargebacks and more from your browser with our client center
- Round-the-clock US-based merchant support
Your information request will be quickly reviewed by one of our account managers and you will be contacted within hours with a detailed proposal. Our representative will be available to provide any additional information about our services that you may need and to explain how the interchange-plus credit card processing pricing model works and why it is better for you than any other pricing type. Your account will be set up within two business days, on average, of us receiving all necessary paperwork.
This article outlines the basics of the interchange-plus pricing model and offers a detailed examination of its comparison with the more prevalent tiered pricing models. It is a must-read for any business that needs to accept credit card payments.
