Traditional Wholesale Pricing

Interchange Plus Processing, transparent reliable pricing with no contracts, no cancellation fee, free processing equipment, and more!

Processing Rates

By Industry Type

Experience the convergence of transparency, service, and quality!  These processing rates apply to most businesses processing up to $10,000 per month. For high volume merchants or businesses with non-conventional needs, please inquire about custom pricing and processing solutions.

Common Interchange By Industry Type

There are 3 major costs in every transaction.  The first cost is the “Bank Interchange” that is charged by the card issuing bank.  Second, is the PCI Dues and assessments which is charged by the PCI Board of Visa, MasterCard, Discover, and American Express. Last, is the margins of Aptus Merchant Services and it’s providers.  Below you will see a sample of common interchange categories by industry type.  Request a free quote to see a true apple to apples comparison. Custom pricing is available for high volume or non-conventional merchants.

See Visa Interchange

See MasterCard Interchange

See Discover Interchange

Swipe, Dip, Tap

More traditional retail merchants can save money on every card-present transaction accepted .

Regulated Debit Processing
Interchange 0.05% + $0.22
Assessment Fees 0.13% + $0.02
Aptus Margins: 0.25% + $0.10
Total Fees Per $100 sale 0.72% or $0.72
Card Present
Interchange 1.51% + $0.10
Assessment Fees 0.13% + $0.02
Aptus Margins 0.25% + $0.10
Total Fees Per $100 sale 2.11% or $2.11

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Rewards 1
Interchange 1.65% + $0.10
Assessment Fees 0.13% + $0.02
Aptus Margins 0.25% + $0.10
Total Fees Per $100 sale 2.25% or $2.25

Online/Ecommerce

Accept credit and debit card transactions online, by invoice or through recurring auto-pay.

Regulated Debit Processing
Interchange 0.05% + $0.22
Assessment Fees 0.13% + $0.02
Aptus Margins: 0.35% + $0.15
Total Fees Per $100 sale 0.90% or $0.90
Card Not Present
Interchange 1.80% + $0.10
Assessment Fees 0.13% + $0.02
Aptus Margins: 0.35% + $0.15
Total Fees Per $100 sale 2.55% or $2.55
Rewards 2
Interchange 1.80% + $0.10
Assessment Fees 0.13% + $0.02
Aptus Margins: 0.35% + $0.15
Total Fees Per $100 sale 2.55% or $2.55

FoodService

The high volume environment of the foodservice industry receives unique pricing parameters.

Regulated Debit Processing
Interchange 0.05% + $0.22
Assessment Fees 0.13% + $0.02
Aptus Margins: 0.15% + $0.07
Total Fees Per $15 sale 2.46% or $0.37
Restaurant
Interchange 1.54% + $0.10
Assessment Fees 0.13% + $0.02
Aptus Margins 0.15% + $0.07
Total Fees Per $15 sale 3.09% or $0.46
Small Ticket
Interchange 1.65% + $0.04
Assessment Fees 0.13% + $0.02
Aptus Margins 0.15% + $0.07
Total Fees Per $15 sale 2.99% or $0.45

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Frequently Asked Questions

Do you have hidden fees?

All fees are disclosed on the free quote.   Get a free quote to get an apple to apples comparison and full diswclosure of all processing fees.

Do you have a contract?

All of our programs are risk free with no commitments, no contracts, no cancellation fee agreements.

What is your rate ?

Our margins are our rates.  In every transaction you have three costs, interchange, dues & assessments, and Aptus Margins. The best way to compare programs is with a free no obligation quote.

Do I have to pay for new equipment ?

We can usually integrate with your current terminal, virtual terminal, point of sale system, or website. In the cases that we cannot, we provide processing equipment or software.

How long does it take to get approved ?

In some cases we can have an approval by the end of the day your application is submitted.  High risk merchants can be approved in 24 business hours, and international processing accounts can be approved in 48 business hours.

How fast do I get my deposits ?

All businesses are already placed on next day funding. Certain merchant types, high risk merchants, and international merchants may have a delay.  Ultimate NDF is approved by underwriting. Contact us for more information or a free quote.

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