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Interchange Plus Pricing. No Locked Contracts. No Surprises.

Pay bank cost plus a low fixed markup. That’s it.

Pay What the Banks Charge plus the Markup Below

Annual Credit Card Sales​

In-Person Payments​Online or Keyed Payments​

$150,000 to $300,000

0.38% and $0.08

0.48% and $0.23

$300,000 to $600,000

0.33% and $0.06

0.43% and $0.18

$600,000 to $1 million

0.28% and $0.06

0.38% and $0.17

$1 to $3 million

0.23% and $0.05

0.33% and $0.14

$3 to $10 million

0.15% and $0.04

0.23% and $0.12

Enterprise

Request Pricing

Why This Pricing Wins

  • You see real banks costs
  • Cost lowers as you grow
  • No cancellation fee
  • Free customer support
  • No setup fees
  • No negotiating needed

Most flat-rate processors charge 2.6%–2.9% + $0.30. Interchange-plus typically saves established businesses 10–25%.

Other pricing plans are available

Dots for Clearly Payments

See your Custom Rate with Clearly Payments

Serving Thousands of North American merchants
See Your Effective Rate

Frequently Asked Questions

Interchange plus (aka “cost plus”) pricing is a straightforward way to price. If you have cost plus pricing, it is more transparent because it is much more difficult to have hidden fees. In cost plus pricing, processors take all the bank fees, card brand fees etc, pass them straight through to the merchant, then add a markup (i.e 20%) for their fees. So, if you were being charged 20% using interchange pricing, you would say, I am being charged “cost plus 20”, which in general is a pretty good deal. You can check out all the interchange rates as they are published by Visa and MasterCard.

Overall, the best way to tell what you are being charged is to take all your fees and divide that by how much you processed in credit card sales. This is known as your effective rate. Read more about the effective rate in payments.

A $750K/year retail merchant typically sees 1.85%–2.10% effective rate depending on card mix.

We have a wide selection of terminals available for rent. As you get set up, we can help you select the best terminal for your needs or any other equipment you might wish to have.

PCI is a mandatory certificate required annually by credit card brands to keep merchants accountable for protection of cardholder data. We help you through the PCI process so you are fully compliant. Read more about PCI.