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Transparent credit card processing pricing

Two clear ways to pay for processing: Interchange Plus, where you see every cost, or MX Advantage surcharging, where card fees are passed to your customer.

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Interchange Plus

Transparent, cost-effective, and simple.

Interchange Plus gives you clarity and fairness. Here’s how it works.

Interchange feeThe base fee set by the card networks and paid to the issuing banks. It varies by card type and transaction.
0.50% markupOur flat, transparent markup, added to the interchange fee.

  • Transparency

    You see exactly what you pay: the interchange fee and our small, consistent markup.

  • Flexibility

    Fees follow the true cost of each transaction, so pricing stays fair.

  • Predictability

    A fixed markup makes costs straightforward and easy to budget for.

  • Control

    With Interchange Plus, you gain control and confidence in your processing costs.

Surcharge

Pass card fees to customers with MX Advantage.

Tired of losing profit to processing fees? MX Advantage lets you apply a surcharge (checkout fee) to credit card transactions, so you recover processing costs and keep more of your revenue.

Use the virtual terminal, Quick Pay, and card reader, or pair Advantage for Surcharging with Dejavoo Z-series devices to access swiped rates.

Compatible Dejavoo devices

  • Z3 PIN pad / terminal
  • Z6 PIN pad / terminal
  • Z8 countertop (Ethernet and Wi-Fi)
  • Z9 (3G/4G and Wi-Fi)
  • Z9 (Wi-Fi only)
  • Z11 countertop

Integrated features

  • QuickBooks Sync
  • Payment links
  • Invoice

A real-world example on $50,000 a month

The same $50,000 in card sales, three ways. Interchange Plus here is the card networks’ interchange plus our flat markup, shown as one percentage so the dollar amount matches the rate.

Pricing modelMonthly fees on $50,000Savings
Average processor flat rate2.9% + $0.30 on 5,000 transactions$2,950$0
Interchange Plus1.8%* + 0.5% = 2.3%$1,150$1,800
MX Advantage surcharge$0**$2,950

*Assumes an average interchange of 1.8%. Interchange (1.8%) plus our 0.5% markup is 2.3%, and 2.3% of $50,000 is $1,150. The flat-rate row is 2.9% of $50,000 ($1,450) plus $0.30 on each of 5,000 transactions ($1,500), which is $2,950. Savings versus that flat rate are $1,800. Your interchange depends on the cards you actually accept. **With MX Advantage surcharging, credit card fees are passed to the customer. Debit and other charges still apply.

Pricing questions

Want a number for your business? Get in touch and we’ll analyze your charges and recommend a model.

Get your rates
What is interchange?

Interchange is the base fee set by the card networks (Visa, Mastercard, and others) and paid to the banks that issue the cards. It varies by card type and transaction. With Interchange Plus, you pay that cost plus our flat markup, and both are visible on your statement.

Can debit cards be surcharged?

No. With MX Advantage surcharging, credit card fees are passed to the customer, but debit and other charges still apply. Surcharging rules vary by card brand and state, so talk with us before you turn it on.

Which pricing model is right for me?

It depends on your card mix, your average ticket, and how you sell. We analyze your current charges and recommend the model that saves you the most.

See what fair processing looks like for your business.

Talk to a Centurion Payments guide. We look at how you take payments today and build a plan around the cards you actually accept.

Get rates Call (888) 615-1728