Interchange is the fee set by the card networks (Visa, Mastercard, and others) and paid to the bank that issued your customer's card. It's the largest part of your cost — and it's the same for every processor. Nobody can “discount” interchange.
Interchange varies by card type (rewards cards cost more), how the card is accepted (tapped or dipped is cheaper than keyed), and your business category. Accepting cards securely and in person keeps you in the lowest tiers.
Since interchange is fixed, the real game is the markup on top — and whether a compliant zero-cost program shifts the cost off your margin entirely. Learn to spot the markup in reading your statement.
I'll show you how much of your bill is interchange versus markup — free, no obligation.
Lowering what you pay to accept a card frees up money every month with no extra work and no new customers. The businesses that grow from there spend it on the three things that actually bring customers in: answering every call, a site that converts, and showing up on Google.
A free review separates the unavoidable network cost from the markup you can cut.
Prefer to talk now? Call or text (305) 215-6132