See what a typical flat-rate program costs against a transparent interchange-plus setup, using your own numbers. An estimate to show the difference, not a quote.
Enter your monthly card volume and roughly how many transactions you run in a month.
An illustration, not a quote. It assumes a typical flat-rate of 2.6% plus 10 cents and an illustrative interchange-plus rate. In Canada, the difference is often larger if a lot of your volume is Interac debit, because flat-rate apps charge the same high rate on Interac. For your exact figure, send one statement.
A flat-rate program charges the same percentage on every transaction. In Canada, that includes your Interac debit taps, which should cost far less than a credit card. So for a debit-heavy business, flat-rate can quietly overcharge you on a big share of your sales.
A transparent interchange-plus setup prices Interac as Interac and credit as credit. The savings aren’t guaranteed, they depend on your mix, which is exactly why we go over your statement with you instead of guessing.
Interchange-plus is how we price most Canadian businesses. Dual pricing is also available where it’s allowed (never in Quebec, and never on Interac).
Want the background first? Read Interac and card fees in Canada.
The calculator is an estimate. Your statement is the truth. Free, no pressure.