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Every card payment splits into two buckets. Knowing which is which is the whole game.
- Interchange and assessments: set by Visa, Mastercard, and the issuing banks. Every processor pays the same rates. Nobody can discount these.
- Processor markup: what your provider adds on top for handling the transaction. This is their revenue, and it is where the deals live.
You cannot negotiate interchange. You can absolutely negotiate the markup.
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The Fee Auditor
We read the fine print
When a salesperson promises a lower rate, they can only be talking about the markup, because interchange is fixed for everyone.
The trick is that many processors bundle both into one blended number so you can never see the markup by itself. Interchange plus pricing separates them, so you know exactly what you are paying the processor for.
An audit pulls the two apart on your own statement and shows you the markup in dollars.
Author:
We read the fine print
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