See what a typical flat-rate program costs against a transparent interchange-plus setup, using your own numbers. This is an estimate to show the difference, not a quote.
Enter your monthly card volume and roughly how many transactions you run in a month.
This is an illustration, not a quote. It assumes a typical flat-rate of 2.6% plus 10 cents, and an illustrative interchange-plus of about 1.8% interchange plus a 0.3% markup plus 10 cents. Your real numbers depend on your card mix and interchange, which is set by the card brands and which no processor controls. For your exact figure, send one recent statement.
A flat-rate program charges the same percentage on every card, even cheap debit cards that cost very little to run. That simplicity is fine when you’re tiny. As your volume grows, paying the same high rate on low-cost cards quietly adds up.
A transparent interchange-plus setup passes the real card-brand cost straight to you and adds a small, fixed markup you can see. 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 one of three programs we offer, alongside Dual Pricing and AllPro Rebate. After we go over your statement, we’ll show you which one fits.
Want to understand the models first? Read interchange-plus vs flat-rate explained.
See honest, side-by-side breakdowns of AllProPay versus the names you’re weighing, using their published rates.
The calculator is an estimate. Your statement is the truth. Free, no pressure.