Interchange Plus is the most transparent credit card pricing model available. See exactly what Visa and Mastercard charge — and exactly what we add on top. No blended rates. No surprises.
Enter your current processing details to see your true savings with IC+ pricing.
You are overpaying $66,000 annually due to blended rate opacity. Interchange Plus gives you that money back.
Set by Visa/Mastercard. Varies by card type: ~0.05% for regulated debit, ~1.5–2.5% for premium rewards credit. This is the true cost of accepting a card.
Small network fees charged by Visa/Mastercard directly. Typically 0.13–0.15% of volume. These are fixed and non-negotiable — every processor pays them.
Our transparent, fixed markup on top of interchange. You see it clearly on every statement. No inflated blended rates hiding our profit inside your costs.
| Feature | Tilled (Blended) | Stripe (Blended) | PayRight IC+ ✓ |
|---|---|---|---|
| Credit Card Model | 2.9% blended | 2.9% + $0.30 | Interchange Plus (true cost) |
| ACH Fees | 0.80% per txn | 0.80% per txn | $1.50 flat — always |
| Debit Card Cost | Same as credit (2.9%) | Same as credit (2.9%) | True interchange (~0.05–0.8%) |
| Fee Transparency | Opaque blended rate | Opaque blended rate | Itemized on every statement |
| Monthly SaaS Fee | $500–$2,500/mo | $2/active user/mo | Flat — no per-user fees |
| Onboarding Time | 2–4 weeks | 3–6 weeks | 1–2 weeks |
| Account Management | Ticket-based | Self-serve docs | Dedicated human partner |
| Long-Term Contracts | Yes | Yes | None — month-to-month |
We'll pull your last 3 statements and show you exactly what you're overpaying. No obligation.