Merchant fees and pricing models

Processing price is more than a “rate.” These pages explain pricing models, fee types, and how to compare total cost fairly across offers and statements.

Scan a statement View pricing

Why this topic matters

Low qualified rates can hide high effective cost
Model choice (IC+, tiered, flat) changes risk and transparency
Junk fees often matter as much as basis points

What you will learn

Interchange-plus vs tiered vs flat-rate
Authorization, batch, and PCI fee definitions
How to calculate processing cost from volume and fees
When a “cheap” quote is not the lowest total cost

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

Product pricing
Effective rate guide
Scan your fees

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