See exactly what you pay and why. Grocery stores save thousands each year with transparent interchange-plus pricing instead of inflated flat rates.
Unlike flat-rate pricing that hides costs behind a single inflated number, interchange-plus shows you exactly what you pay and to whom.
Set by card networks (Visa, Mastercard, etc.)
Varies by card type — debit cards cost far less than rewards cards
Your payment processor's fee
A small, fixed markup: 0.10% + $0.10 per transaction
Transparent and card-specific
You see every penny — no hidden fees or bundled markups
Flat-rate processors charge the same 2.50% + $0.10 on every transaction — whether it's a low-cost debit card or a premium rewards card. You end up overpaying on the majority of your transactions.
Supermarkets benefit from lower interchange rates due to their merchant category code (MCC). Here's what each card type actually costs with interchange-plus.
| Card Type | Interchange | + Markup | = Your Rate |
|---|---|---|---|
Debit Card Lowest Cost | 0.05% + $0.22 | 0.1% + $0.10 | 0.15% + $0.32 |
Visa/MC Regular Credit | 0.95% + $0.10 | 0.1% + $0.10 | 1.05% + $0.20 |
Visa/MC Rewards Credit | 1.05% + $0.10 | 0.1% + $0.10 | 1.15% + $0.20 |
American Express Highest Cost | 1.89% + $0.00 | 0.1% + $0.10 | 1.99% + $0.10 |
Rates shown are for Supermarket MCC (5411). Actual rates may vary based on card issuer and transaction type.
Select a card type to see exactly how much each component costs on a typical grocery transaction.
0.05% + $0.22 per txn
0.1% + $0.10 per txn
2.5% + $0.10 per txn
Adjust the sliders to match your store's processing profile. Defaults are set for a typical grocery store.
~2,286 transactions/month
Interchange-Plus
$1033
per month
Flat Rate
$2229
per month
Your Savings
$1196
per month
That's $14,348.088 back in your pocket every year
Switch to interchange-plus pricing and keep more of your hard-earned revenue. Get started with a free savings analysis.
Get Started