rate watchdog
credit card processing

What are the true rates for credit card processing?

The wholesale cost that all processing companies pay for Visa, MasterCard and Discover transactions is called Interchange. Interchange consists of three parts:

  • Interchange: The percentage rate that is paid to the bank that issued the credit card
  • Fees: The transaction costs that are paid to the bank that issued the credit card
  • Assessments: The percentage rate that paid to Visa, MasterCard, and Discover

In addition to Interchange, all processors incur transaction costs each time you process a transaction. These costs are typically called your transaction fee.

With Bankcard Associates Straight Rate program, your processing rates are the true Interchange rates as published by Visa, Mastercard and Discover. There are no markups in your rates.

You can easily compare your current rates to the Interchange rates at the links below:

Most Common Retail Interchange rates »
Most Common Restaurant Interchange rates »
Most Common Mail/Telephone Order Interchange rates »
Most Common Business to Business Sales Interchange rates »

Visa/Mastercard complete Interchange rates effective April 2016

MasterCard »

The Straight Rate Program HIGHLIGHTS

One low flat monthly fee!
Process up to 100% of your average monthly Visa/MC/Discover/American Express volume. (Special low rate for extra monthly volume.)

True wholesale rates!
No markup!

Pay only the true published interchange. The same rates processors receive.

No hidden fees!
Simple, 100% transparent program.

No long-term commitment!
Monthly, Annual, and Two year agreements available. Flexible billing options. Free Equipment: With any 2 year agreement for qualified merchants.

All card types!
Experience, professional processing for all credit cards, debit cards and gift cards.

Free equipment!
With any 2-year agreement for qualified merchants. Purchase and rental options available.

Your own support specialist!
Talk to the same person every time you call.

customer service