Flat vs. tiered vs. interchange-plus
Same volume, three pricing models. Adjust any assumption to match a quote you’ve received and see which one actually costs less.
Your business
Flat rate (example assumptions)
Tiered (example assumptions)
Interchange-plus (example assumptions)
All default figures are example assumptions for illustration — not MCCPS rates or any processor’s actual pricing. Real interchange varies by card type, how the card is accepted and your industry.
Why the model matters
Flat-rate pricing is simple but bundles everything into one number. Tiered pricing sorts transactions into buckets the processor defines — the more that land in “non-qualified”, the more you pay. Interchange-plus passes card-network costs through at cost and shows the processor’s markup separately, which makes it the easiest to audit. Read more in flat-rate vs. interchange-plus and tiered pricing explained.
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