Interchange Plus Pricing

No Contracts

No Cancellation Fees

Free Placement Terminals

Payment Processing Rates

All accounts have a $25 per month subscription and $0.25 per batch occurrence.

What is Interchange (IC)?

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 are charged by the PCI Board of Visa, MasterCard, Discover, and American Express.

Last, is the margins of Aptus Merchant Services and its providers.

See Visa Interchange

See MasterCard Interchange

See Discover Interchange

In-Person Retail

These are the most common (IC) categories for in-store or on the go swiped, dipped. or tapped transactions.

Regulated Debit Processing
Interchange 0.05% + $0.22
Assessment Fees 0.13% + $0.02
Aptus Margins: 0.07% + $0.07
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 0.07% + $0.07
Total Fees Per $100 sale 2.11% or $2.11

.

Rewards 1
Interchange 1.65% + $0.10
Assessment Fees 0.13% + $0.02
Aptus Margins 0.07% + $0.07
Total Fees Per $100 sale 2.25% or $2.25

Online Retail

These are the most common (IC) categories for virtual, recurring, autopay, and e-commerce transactions.

Regulated Debit Processing
Interchange 0.05% + $0.22
Assessment Fees 0.13% + $0.02
Aptus Margins: 0.07% + $0.07
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: 0.07% + $0.07
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: 0.07% + $0.07
Total Fees Per $100 sale 2.55% or $2.55

Food Service

These are the most common (IC) categories for coffee shops, quick service, food trucks, and full-service restaurants transactions.

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

Frequently Asked Questions

What are batch fees?

A batch fee is a cost to close business on your transactions for the day. We charge $0.25 per batch. You’re not charged the batch fee if you have zero daily transactions.

Do you have a contract?

Our programs are risk-free with no commitments, no contracts, and cancellation fee-free agreements.

Do I have to do PCI Compliance?

We can relieve you of the PCI burdens. You will no longer have to do the PCI scans are questionnaires.

Do I have to pay for new equipment?

We provide free placement processing equipment or software.  We can usually integrate with your current terminal, virtual terminal, point of sale system, or website. Consult with an Aptus Advisor.

How long does it take to get approved?

You can have approval within minutes of completing the online application in some cases.

How fast do I get my deposits?

Most businesses qualify for Next-Day-Funding and some for Same-Day-Funding. However, certain merchant types that are considered “High-Risk” may have a delay imposed by underwriting.

Instant Online Quote

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More Pricing Options

Pay-As-You-Go (PAYG)

No monthly fees. No annual fees. No surprises!

Cash Discount Pricing (CDP)

No monthly fees. No annual fees. No surprises!