01
See the components
Interchange-plus
Interchange and network costs are separated from the processor’s markup.
What to look at
Review the percentage markup, per-transaction charges, and recurring fees together.
Pricing, with perspective
The full picture.
A better decision.
A headline rate only tells part of the story. Start with what you actually pay, then compare the structure, assumptions, and customer experience of each option.
Explore an illustrative comparison
Sample statement · illustrative
$52,000/mo · 1,240 txns
Currently paying
$1,721/mo@ 3.31%
IC Optimization. Level 2/3 data and routing tuned to qualify transactions at lower interchange.
Estimated savings / yr
$6,300
Sample figures, not a quote. Fee-offset models shift costs to customers. Actual pricing and eligibility require review.
Six approaches, different tradeoffs
Understand the structure.
Then compare the cost.
These are explanations of pricing approaches, not published Relyon offers. Your statement and business requirements guide the next conversation.
02
A simpler structure
Flat rate
A stated rate applies to a defined transaction category, often with a per-transaction charge.
What to look at
Check whether in-person, online, and keyed transactions carry different rates.
03
Know the categories
Tiered
Transactions fall into pricing buckets with different rates.
What to look at
The total depends on how your transactions are classified, not just the lowest advertised tier.
04
Customer cost shift
Surcharge
An eligible credit-card transaction may carry a separately disclosed customer fee.
What to look at
Requires review of current rules, location, card eligibility, disclosures, and implementation. It does not eliminate the underlying processing cost.
05
Two displayed prices
Dual pricing
Customers are shown distinct prices based on the accepted payment method.
What to look at
Review the display, receipt, and implementation requirements. Customer experience and total cost both matter.
06
Improve eligible transactions
Interchange optimization
Transaction data and processing practices can affect qualification for certain interchange programs.
What to look at
Potential benefits depend on eligible cards, transaction types, and the data your setup can provide.
Before you compare
Ask about more
than the rate.
What belongs in the total cost?
Look at percentage and per-transaction charges, recurring account fees, equipment and software costs, and relevant event-based charges. Identify costs that a proposed change would retain.
Why can’t every model be calculated from every statement?
Some scenarios need data a statement may not provide, such as eligible card mix or an interchange breakdown. Missing inputs should be made explicit rather than replaced with an unsupported savings number.
How should I read the savings estimate?
Treat it as a modeled difference under stated assumptions. Review unresolved amounts and customer-paid fees separately, and have the underlying statement checked before making a decision.
How do I get a written offer?
Start with a statement analysis or contact our team. We’ll discuss your workflow, confirm the relevant details, and work through a proposal and applicable agreements with you.
Your next move