Interchange Plus Processing We Support

This wholesale pricing model is transparent and lets you pay the exact interchange rate from Visa, Mastercard, and Discover. Interchange plus pricing is available for every business.

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Benefits of Interchange Plus Pricing Merchant Processing

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Full Transparency

See exactly how much the card networks take and how much goes to your processor.

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Lower Fees for Retail

Most retailers will pay less processing fees over Stripe and Square’s fixed rates.

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Scalable & Fair

Perfect for small, mid-size, or enterprise merchants.

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Interchange Plus Payment Processing FAQs

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    What is interchange plus pricing?

    Interchange plus pricing (also known as wholesale pricing, pass through pricing, and true cost pricing) is a payment model that separates network fees (interchange) from processor markups.

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    Why does interchange plus pricing matter for my business?

    Interchange plus pricing is often better for businesses that take a lot of debit cards, since debit cards are cheaper to take than credit cards due to lower interchange fees.

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    How does interchange plus pricing work?

    • The customer pays with a credit or debit card.
    • The card network applies a base interchange fee, plus dues and assessments (DDAs).
    • Your payment processor adds a small markup fee for handling the transaction.
    • You pay the combined amount, interchange, DDAs + markup, which is usually less than Stripe, Square, and PayPal.
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    Why do some merchants not want interchange plus pricing?

    Because interchange plus pricing will fluctuate depending on the card types taken. Thus, some merchants prefer a flat fee like the standard 2.9% + $0.30 per transaction quotes, so they know exactly what their fees will be.

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    Can I negotiate interchange rates?

    No. Interchange rates are set by the card networks. However, you can lower interchange depending on the card type with AllayPay’s interchange management tools.

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    How often do interchange rates change?

    Rates change twice a year in April and October.

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    What are the current interchange rates?

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    Who regulates interchange plus pricing?

    Card networks like Visa and Mastercard set the base rates.

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    Can small businesses use pass-through pricing models?

    Yes. Pass-through pricing models are available to all businesses, including small and mid-sized businesses, not just enterprise-level merchants.

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    Why should I choose AllayPay for wholesale credit card processing?

    We offer true transparency with no hidden fees. We act as your payment processing partner to get you the lowest markups. We have direct access to multiple banks and payment gateways that support interchange plus pricing.

    Ready to negotiate and improve your interchange plus pricing model? Contact us today to unlock real savings.

What People are Saying About AllayPay

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If you’re looking for a transparent merchant processor that provides competitive fees and excellent customer service, AllayPay is the company for you. We joined them in Aug. 2022 after getting fed up with extreme fee structures for CBD-based businesses that had horrible customer service. AllayPay patiently went through a detailed vetting process with us during which time they answered every question…

Sarah Brandon

CEO

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The AllayPay team has been fantastic! They worked with us from start to finish and customized a payment gateway for our company, Office Furniture Warehouse. It’s been over a year since we’ve been working with them now, and they are by far the most response company we’ve ever worked with. Thank you!

Bob Collins

Manager

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Understanding how important customer service is, and customer reviews, I searched for a local processing service that would treat us like my business was valued… If you are in business and seeking someone who values your business, then you only need to make one phone call to this organization and you will understand what customer service should be. I am very happy I reached out to AllayPay, you will be as well.

Kary McNeal

Owner

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AllayPay is by far the best merchant processing company I’ve ever dealt with. Jeff and his team spent days helping me get set up properly and answered all of my questions. They also helped me integrate my processing into QuickBooks Online by automatically updating the invoices as paid. With this new system, I’ve now saved 20 hours each month and over $15K each year. Thank you so much!

Yoav Hananya

Owner

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We were using Square and knew that our options were limited for traditional processing in our industry. Not only did AllayPay save us on processing fees, but they also set us up as fast as possible considering our unique circumstances. AllayPay was highly recommended, and we are very grateful that we choose to go with them. You won’t be disappointed!

Neil Shapiro

Owner

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My company was in the market for a new credit card possessor and POS system. We reached out to AllayPay on a whim, and that was the best decision we could have made! The entire team at AllayPay has given us top-priority treatment. The level of communication throughout the entire process was top-tier… We can’t recommend AllayPay highly enough!

Torri Verrilli

Manager

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Smart Payment Processing: Fast & Secure

Get ready for hassle-free payments with the latest technology. Same-day approvals, competitive rates, and dedicated support, all without long-term contracts.