MerchantRateCheck
Free rate review · No obligation

Flat-rate vs interchange-plus, decoded

Above $15K/mo in card volume, interchange-plus beats flat-rate almost every time. Below that, the gap narrows but the math still usually favors interchange-plus. Most businesses save 15–40% in 24 hours.

Bank-level security
Analysis in 24 hours
No contract required

The honest breakdown

  • Flat-rate is one number: simple but expensive
  • Interchange-plus exposes wholesale cost + margin
  • Crossover point is typically $10K–$15K/mo
  • Subscription pricing wins above ~$25K/mo for some merchants

How it works

Save thousands in three simple steps

Step 1

Enter your business details

Takes 60 seconds. Just your industry, monthly volume, and current processor.

Step 2

We analyze your current rates

Our team reviews your effective rate and identifies exactly where you're overpaying.

Step 3

Get matched with lower-cost options

We introduce you to vetted processors — typically saving 15–40% with no setup fees.

Savings calculator

See your real overpayment

Most businesses overpay 15–40%. The calculator shows what your fee problem actually costs.

$25,000
$1k$500k
Industry-average effective rate is ~2.9%. Optimized rate is ~2.2%.

Free · No contract · 60-second form

Estimated savings
You could save
$175/mo
That's $2,100 back in your pocket every year.
Optimized rate
2.2%
Most pay
2.9%
Estimate range — your actual savings depend on card mix, ticket size, and current contract.

What happens next

No surprises. No spam. No obligation.

Here's exactly what to expect after you submit a rate review.

  1. Step 1

    You share a few details

    Takes 60 seconds. No statement required for a quick estimate.

  2. Step 2

    We benchmark your rate

    We compare your effective rate against your industry — not retail averages.

  3. Step 3

    A specialist walks you through it

    Real human, no high-pressure sales. You decide what (if anything) to do next.

  4. Step 4

    You stay in control

    No contract, no obligation. Your data is never sold.

2,400+
Businesses helped
$327/mo
Average savings
24 hrs
Typical turnaround
"Cut my processing bill by $612/month. Took less than 10 minutes to sign up."
Maria G.
Owner · Corner Cafe
"I'd been with the same processor for 7 years. Turns out I was overpaying by 34%."
James D.
GC · Summit Contracting
"Finally, a straight answer on fees. No games, no long contracts."
Priya S.
Owner · Boutique Retail

More fee problems we solve

Check your rates now

60 seconds. No credit card. See exactly how much you're overpaying.