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Merchant Credit Card Fee Guide 2024: How Much Does It Cost to Process Credit Cards?

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Some popular processors offering interchange plus pricing structures include Payment Depot, Stripe, and Helcim. Flat-rate pricing With this model, the payment processor charges a fixed percentage or flat fee on all transactions. Payment processors who’ve popularized this model include PayPal and Square.

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Understanding Credit Card Processing Fees for Merchants: How Much Does Processing Credit Cards Cost?

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Square and PayPal are two that have popularized this model. Helcim and Stripe are the more popular payment processors offering interchange plus pricing models. Membership pricing instead is a subscription model where you pay a monthly fee and then whatever the interchange rates are at the time of transaction.