Acquiring

Blended pricing

A single flat rate (e.g. 2.9% + 30¢) charged on all card transactions regardless of underlying interchange.

Blended pricing is what most SMB processors quote because it's predictable. The downside is that lower-cost transactions (debit, regulated cards) are charged the same as expensive ones (commercial, cross-border), so the merchant overpays at volume. Once you do real volume, interchange-plus is almost always cheaper.

Related terms

Interchange-plus pricing

Transparent acquirer pricing model that passes interchange and scheme fees through at cost with a fixed processor markup on top.

Interchange

The fee paid by the acquirer to the issuer on every card transaction, set by the schemes.

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