Every card payment carries an interchange fee set by the card networks. How your processor packages it — Interchange‑Plus or Blended (flat) — decides how much of your margin you keep.
Enter your numbers to estimate what each pricing model costs per month. Assumptions are transparent and fully editable under “Advanced”.
Estimate only — your true blended-vs-plus gap depends on your exact card mix.
Defaults present blended as a flat 2.90% versus Interchange-Plus at about 2.29% (interchange + assessments + a fixed 0.35% markup) for the US. Many flat-rate processors also add a fixed per-transaction fee (e.g. $0.30) — add that under “Advanced” to model your exact setup. Interchange-Plus is only ever as good as the interchange beneath it, so on regulated debit or EU/UK consumer cards the gap is larger than on premium rewards credit.
The wholesale cost — interchange plus network assessments — is identical no matter who processes your payment. What changes is whether your provider shows it to you or hides it inside one flat number.
You pay the exact interchange & assessments set by the networks, plus a fixed, disclosed markup that goes to your processor.
One rate for every transaction regardless of the real interchange cost. Easy to predict — but the margin is baked in and invisible.
A flat rate has to be priced for the most expensive card you might take. When a customer pays with debit or a standard card, a blended rate keeps the gap. Interchange-Plus passes it back to you.
Interchange is the fee your business pays to the customer’s card-issuing bank on every transaction. The networks — Visa, Mastercard, Amex — set the rates, publish them, and update them roughly twice a year. Neither you nor your processor can negotiate them.
A card is tapped, dipped or keyed at your checkout.
The network looks up the card type, your industry & how it was accepted, then sets the fee.
A small network fee (~0.13–0.15%) is added on top of interchange.
Your provider adds its margin — fixed & visible under Interchange-Plus; hidden under Blended.
What drives the interchange rate on any given sale:
The EU and UK cap consumer interchange by law — 0.2% on debit, 0.3% on credit. The US does not, so American consumer rates run far higher. Under a blended rate, those regulated savings never reach you.
Published network interchange by card program, for the United States, United Kingdom and European Economic Area — the wholesale rates that sit underneath every merchant account.
| Card program / category | Rate | Notes |
|---|
PressPay prices on Interchange-Plus so you always know what goes to the card network and what goes to us. No blended mystery rate, no padded margin on your debit volume.
Talk to a payments specialist →About these rates. Figures are compiled from publicly published network schedules and are provided for general merchant education only — they are not a quote and do not represent PressPay’s pricing. Interchange comprises hundreds of individual categories; the tables above summarise the principal programs, with ranges shown where a program spans multiple merchant categories or spend tiers. Always verify against the current source before relying on a specific rate: Visa USA Interchange Reimbursement Fees · Mastercard US Interchange · American Express OptBlue. US Visa rates effective 18 April 2026; Mastercard US 2026–2027 program. EU rates reflect the EU Interchange Fee Regulation (2015/751); UK rates reflect the retained UK Interchange Fee Regulation.
