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Two pricing models cover most merchants, and they behave very differently.
- Flat rate: one fixed percentage on everything, like the familiar 2.6 percent plus a dime. Easy to predict, easy to overpay, because low-cost cards get charged the same high rate.
- Interchange plus: you pay actual interchange plus a fixed, visible markup. Less tidy, far more honest.
Simple pricing is comfortable. It is also where the markup likes to hide.
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The Fee Auditor
We read the fine print
Flat rate is fine at very low volume. As your sales grow, the flat percentage keeps charging premium prices on cards that cost the processor very little, and the difference goes straight to their margin.
There is no single right answer, only the right answer for your volume and card mix. An audit runs both against your real numbers so you can see which one keeps more money in your account.
Author:
We read the fine print
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