Tiered pricing
Bundled qualified / mid / non-qualified rates
- Processors group costs into opaque tiers
- Downgrades can spike your effective rate quietly
- Hard to compare processors apples to apples
- Statement audits take longer because fees are buried
Pass-through pricing
True interchange. Fixed markup.
Interchange plus shows what Visa and Mastercard charged, what network fees applied, and what Croft added. No tier buckets. No mystery spread.
- True interchange passed through from Visa and Mastercard
- Fixed disclosed markup instead of bundled tier buckets
- Statement lines you can audit line by line
- Croft consultant walks through every fee before you sign
Most popular at Croft
Dual pricing saves more for many merchants
If you want to offset card costs at the register with posted cash and card prices, start with dual pricing. It is the program we recommend first when it fits how you sell.
Explore dual pricingWhen interchange plus fits better
Choose interchange plus when you want traditional pass-through math, detailed statements, and a fixed markup on top of real network costs. Common for higher volume, B2B, and keyed-heavy businesses.
Three lines you can actually audit
Interchange plus breaks your cost into network charges plus one disclosed markup.
- 01
Interchange hits your statement
Each card type carries a network interchange cost. With interchange plus, that real cost shows on your statement instead of being hidden inside a tier.
- 02
Network dues and assessments follow
Card brand fees are listed separately so you can see what the networks charged for that month's volume.
- 03
One disclosed Croft markup
Your processor markup is a fixed add-on, not a mystery spread. You know what Croft earns and what the networks earned.
Tiered pricing vs interchange plus
Most processors still sell bundled tiers. Interchange plus is the transparent alternative.
Interchange plus
Pass-through cost plus fixed markup
- Interchange listed per card type on your statement
- Markup stays consistent and disclosed upfront
- Easier to verify you are not overpaying
- Strong fit when you want traditional processing math
No surprises on your statement
Every line should tell you what the networks charged and what your processor added.
- Monthly breakdown by card type and entry mode
- No qualified / mid-qualified / non-qualified tier games
- Same pricing logic for in-person, keyed, and many online volumes
- Easy to benchmark against your current processor
Who interchange plus works best for
Higher volume, more visibility
When monthly card volume is meaningful, small markup improvements compound. Interchange plus rewards merchants who actually read their statements.
B2B and card-not-present heavy
Contractors, professional services, and businesses with keyed or online payments often want pass-through pricing without register-level dual pricing.
Multi-location operators
Owners who need one transparent rate structure across locations can benchmark interchange plus across MIDs without guessing tier downgrades.
Human statement review
Upload your current statement. Croft maps interchange, junk fees, and markup so you see the real comparison before switching.
Interchange plus FAQ
Straight answers on pass-through pricing and how it compares to dual pricing.
What is interchange plus pricing?+
Interchange plus (also called cost-plus) passes the actual interchange and network costs from Visa and Mastercard to you, then adds a fixed processor markup. It is one of the most transparent traditional processing models.
How is that different from tiered pricing?+
Tiered pricing bundles network costs into qualified, mid-qualified, and non-qualified buckets. Interchange plus itemizes the real interchange for each card type so you can audit what you paid.
Does Croft recommend interchange plus for everyone?+
No. Most merchants we talk to save more with dual pricing when it fits how they sell. Interchange plus is the right conversation when you want classic pass-through math and detailed statements.
Will interchange plus eliminate processing fees?+
No. You still pay interchange and network costs plus markup. Dual pricing is the Croft program built to offset card acceptance costs at the register. Interchange plus is about transparency, not eliminating card costs.
Can I compare both programs?+
Yes. Start with a free statement review at /get-started. We model dual pricing and interchange plus against what you pay today.
Who should ask for interchange plus first?+
Merchants with higher volume, heavy B2B or keyed payments, or finance-minded owners who want line-item statements often prefer interchange plus over dual pricing.
Not sure which program fits?
We will review your statement and compare dual pricing and interchange plus side by side. Free, no obligation.