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Rates and Fees
With Interchange-Plus pricing you'll know how much each type of credit card you accept costs!

There are over 270 Interchange categories that are set by MasterCard® and Visa®.

Most processors "simplify" the complexity of Interchange by bundling merchants' Visa/ MasterCard rates into three tier billing of Qualified/Mid Qualified/Non Qualified. The fact is that while this is simpler, it also means most merchants pay more than you should on most types of credit/debit cards.

Rates we quote for eCommerce, Mail Order, Auction merchants processing between $20,000 - $50,000 per month:

Merchant Account Rates and Fees:
Interchange-Plus:
For eCommerce, Mail Order, Auction
Effective Rates & Fees*
VISA US Consumer Credit (Card Not Present):
Interchange-Plus 15 basis points
Visa: 1.80% + .15% = 1.95%
MC US Consumer Credit (Card Not Present):
Interchange-Plus 15 basis points
MC: 1.89% + .15% = 2.04%
VISA US Consumer Debit (Card Not Present):
Interchange-Plus 30 basis points
Visa: 0.05% + .30% = 0.35%
MC US Consumer Debit (Card Not Present):
Interchange-Plus 30 basis points
MC: 0.05% + .30% = 0.35%
VISA US Business Commercial (Card Not Present):
Interchange-Plus 30 basis points
Visa: 2.25% + .30% = 2.55%
MC US Business Corporate (Card Not Present):
Interchange-Plus 30 basis points
MC: 2.65% + .30% = 2.95%
All Other US Interchange Levels:
Interchange-Plus 30 basis points
VISA International (Card Not Present):
Interchange-Plus 15 basis points
Visa: 1.60% + .60% = 2.20%
MasterCard World (Card Not Present):
Interchange-Plus 60 basis points
MC: 1.60% + .60% = 2.20% 
All Other Foreign Interchange Levels:
Interchange-Plus 60 basis points
Credit Card Transaction Fee:
Interchange-Plus $0.15 cents
VISA $0.10 + $0.15 = $0.25 cents
MC $0.10 + $0.15 = $0.25 cents
Debit Card Transaction Fee:
Interchange-Plus $0.15 cents
VISA $0.21 + $0.15 = $0.36 cents
MC $0.21 + $0.15 = $0.36 cents
Authorize.Net Payment Gateway Access Fee: NO CHARGE
Authorize.Net Transaction Fee: first 250 transactions free each month then $0.05 cents


Statement Fee: NO CHARGE
Service Fee: NO CHARGE
Batch Header Fee: NO CHARGE
Annual Fee: NO CHARGE
Address Verification Fee: NO CHARGE
Monthly Minimum: NO CHARGE
Termination Penalty: NO CHARGE
Fraud Detection Suite (FDS): NO CHARGE
Application/Set Up Fee: NO CHARGE
Chargeback Fee: $15.00
 PCI Service Package NO CHARGE
American Express Rates: Quoted Directly
American Express Transaction Fee: $0.20 cents 

If you currently process between $20,000 and $50,000 per month in Visa/ MasterCard sales, and would like to take advantage of these great rates and fees, please click here to APPLY NOW!

If you currently process more than $50,000 per month in Visa/MasterCard sales or have special processing needs, please complete our Statement Analysis Form and we will contact you promptly.

To truly appreciate the benefits of working with Merchant Focus featuring our unique Interchange-Plus pricing model with no monthly fees of any kind, you first need to understand what Interchange is!

For detailed information on Interchange Plus Pricing please download our free white paper. To review the full Interchange Categories as published by Visa and MasterCard, please
see below:

VISA USA:
http://usa.visa.com/download/merchants/visa-usa-interchange-reimbursement-feesjune2012.pdf

MasterCard:
http://www.mastercard.com/us/merchant/pdf/MasterCard_Interchange_Rates_and_Criteria.pdf