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Card acquiring

Interchange fees explained

18 September 2026 · 6 min read

The biggest component of your card processing cost, and the factors that change it.

What interchange is

Interchange is the fee paid to the cardholder's issuing bank on each transaction. It is set by the card schemes, not by your acquirer.

What affects it

Card type (consumer, commercial, premium), region, whether the card was present and how the transaction was authenticated all play a role.

Interchange++ pricing

Interchange++ pricing passes interchange and scheme fees through at cost, plus a clear acquirer margin, so you can see exactly what you pay.

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