Acquiring

Interchange-plus prissättning

Transparent prissättningsmodell för inlösare som vidarebefordrar interchange- och nätverksavgifter till självkostnadspris med ett fast påslag från processorn.

Interchange-plus (IC+) is a pricing model where an acquirer passes the direct costs of processing a transaction, specifically the interchange fee and scheme fees, directly to the merchant, alongside a distinct markup. Within this framework, interchange fees are set by card schemes like Visa and Mastercard and paid to the card issuer, while scheme fees cover the network's processing costs. The acquirer then adds a pre-agreed margin, typically expressed as a percentage or a fixed per-transaction fee, to cover their own overheads and profit. This structure is often favoured by larger merchants within the European Economic Area because it accounts for regulatory caps on interchange, which are currently set at 0.20% for consumer debit cards and 0.30% for consumer credit cards. Because these underlying costs are broken out on monthly statements, the merchant gains visibility into the impact of different card types and regional processing variations on their total cost of acceptance.