Free merchant fee calculator from Fynvorax. Compare flat-rate processing costs to interchange-plus pricing by ticket size and volume.
For independent retail merchants, digital e-commerce operators, and business-to-business enterprise platforms, credit card processing fees are an ongoing cost of doing business. Often, online merchants default to popular flat-rate processors that advertise a seemingly simple fee structure (such as 2.9% + $0.30 per transaction). However, while simple, this one-size-fits-all model often hides considerable margins. The credit card industry actually operates on a modular wholesale cost network called interchange, which is set directly by payment card associations like Visa and Mastercard. Intercha
Interchange-Plus is a merchant billing model where a payment processor passes the exact wholesale interchange rate set by credit card brands directly to the merchant, adding a separate, clear, and transparent markup fee.
Yes, in nearly all cases where monthly volume exceed $5,000 to $10,000, Interchange-Plus offers substantial savings. Flat rates are only cost-effective for small merchants with low transaction volumes and very small average ticket sizes.