Interchange and network fees

Interchange and assessments fund networks and issuers. Learning to separate them from processor markup is the foundation of fair pricing conversations.

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Why this topic matters

Interchange is not “junk”—but it is not the whole bill
Markup is often negotiable; network costs usually are not
Card mix changes interchange dramatically

What you will learn

What interchange covers vs assessments
How brand fees show on statements
Why IC+ can be more transparent than tiered
How to talk about network costs with an agent

Guides in this hub

0 published guides

Guides publish on a rolling schedule (about every 4 hours). Start with a statement scan or browse the blog while this cluster fills in.

Product paths

Junk fees guide
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All topical hubs

Explore the full merchant-processing library. View all topics

Statements
Fees & rates
Fundamentals
Interchange
Merchant accounts
Lifecycle & funding
PCI & security
Processors
Chargebacks
Contracts
POS & hardware
Partners

Turn this education into numbers

Upload a PDF merchant statement to extract fees, categories, and effective rate.

Get started — from $3/mo See pricing