Interchange-plus vs. flat rate calculator
Plug in your volume and ticket size to compare a flat rate with interchange-plus pricing.
Estimated difference per year
$0
Illustrative estimate only, based on the numbers you enter. It is not a quote or a guarantee of savings. Actual costs depend on card mix, ticket size, how cards are accepted and the program you qualify for.
What drives the difference
Flat rate bundles the networks' wholesale cost into one number. Interchange-plus passes that wholesale cost through and adds a fixed markup. The more volume you run, and the more low-cost cards (like regulated debit) your customers use, the more interchange-plus tends to win. Rewards-heavy or very small-ticket businesses may see a smaller gap. Read the full explainer.
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