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Markups differ significantly from one processor to the next both by amount, pricing model and the types of fees charged.

There are no qualified, mid-qualified or non-qualified rates with interchange plus.

Interchange fees are assessed net of refunds and chargebacks, and most are two parts consisting of a percentage and a transaction fee.

For example, 1.51% plus

The markup must cover cost as well as profit for all of these entities.

Here at Card Fellow we dictate the pricing model that processors must use to ensure fair, competitive pricing that can be accurately compared.

With interchange plus pricing the processor's markup isn't dependent on interchange qualification.

Like card brand charges for Visa, Master Card and Discover, the charges listed below are paid to American Express.

The markup over interchange and assessments is the only area where you have the ability to negotiate credit card processing costs.

The processor earns a fixed percentage regardless of the underlying interchange.

.10 is the current Visa interchange fee for a swiped consumer credit card.

The rate that you pay to process a credit card transaction is a combination of account for the largest portion of expense (about 75% - 80%) followed by the markup (about 20% - 25%).

With that said, we help a lot of businesses here at Card Fellow that are getting hosed by their current processor, and their base costs are about equal to the markup they're paying.

Keep in mind that many factors contribute to the markup, so not everything will be negotiable, or it will only be negotiable to a point. it's split among all of the organizations that facilitate the processing of your business's transactions such as the acquiring bank, processor, ISO(s), gateway or software provider and others.

The markup must cover cost as well as profit for all of these entities.Here at Card Fellow we dictate the pricing model that processors must use to ensure fair, competitive pricing that can be accurately compared.With interchange plus pricing the processor's markup isn't dependent on interchange qualification.Like card brand charges for Visa, Master Card and Discover, the charges listed below are paid to American Express.The markup over interchange and assessments is the only area where you have the ability to negotiate credit card processing costs.The processor earns a fixed percentage regardless of the underlying interchange.

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