The most transparent way to price card processing — broken down into the three parts that make up every transaction.
The non-negotiable fee set by Visa, Mastercard, and others that goes to the card-issuing bank. It varies by card type (debit, rewards, corporate).
A small fee paid to the card networks themselves. Also fixed and the same for every processor.
The transparent margin your processor adds — a fixed percentage and per-transaction fee. This is the only part that should differ between providers.
In short: Interchange + Assessments are the same no matter who you use. The only thing you're really shopping for is the "plus."
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