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Years ago I worked for someone that loved the saying, “We pose the greatest risk to ourselves when we know just enough to be dangerous.”
This is often the case with interchange-plus pricing and credit card processing. You’re reading this because you’re likely tired of paying high credit card processing fees, and you probably came across an article or two that touts interchange-plus as the solution to your problem.
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As more information becomes available about credit card processing and more people with superficial knowledge write about the topic, interchange plus is often touted as the be-all end-all to opaque billing and high credit card processing charges. This is a dangerously expensive misconception.
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Asking the question “what is a good interchange plus rate?” is like asking the question “how much does a car cost?” Neither question can be answered accurately without first knowing several supporting details.
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Interchange pass through pricing is a form of credit card processing pricing that allows the actual cost of processing (interchange fees & assessments) to be passed directly to your business.
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Tiered pricing or interchange plus? How do you know what’s best for your business?
