No contracts. No hidden fees. No holding of funds.
No flat rate pricing.
With interchange plus, flat rate pricing is yesterday’s news. We can guarantee up to 98% that CREDI can beat any credit card processing rates in the industry.
COMPETITORS
2.9% + $0.30
per charge
CREDI
Interchange +Pricing
CREDI was created for businesses.
Nobody likes working with companies that are in it for themselves. At CREDI, we believe in win-win partnerships, which is why everything we do is transparent as can be.
Flat right pricing is old news
CREDI has the most competitive credit card processing rates in the country since we offer interchange plus pricing.
What is Interchange Plus Pricing?
Interchange plus pricing is the pricing model that CREDI uses to give all of our customers transparency and allow them to save money on every transaction. The term interchange refers to a fee that is charged by card issuers that are passed through to the merchant.
The term interchange refers to the fee that is charged by banks to the merchant who processes a specific credit card or debit card payment. The fee is to cover the costs associated with accepting, processing, and authorizing card transactions. Every credit card has a different interchange fee. Interchange fees depend on the type of card and the perks associated with that card. Every credit card processing company and the merchant pay the same interchange (IC) fees.
Interchange Plus vs. Flat Rate
Most credit card processing companies charge a flat rate fee of 2.9% + $0.30 per transaction.
At CREDI, an interchange plus pricing example could be
IC (1.86%) + 0.30% + $0.08 per transaction.
YOU WOULD HAVE A COST SAVINGS OF
0.74% + $0.22
per transaction.
Our rates depend on the type of industry our customers operate in and how much volume they’re doing.*
- Visa Debit Card
- Visa Debit (small bank)
- Visa Debit (big bank/regulated)
- Visa Debit Prepaid
- Swipe Rate (card present)
- 0.8% + 15¢
- 0.05% + 22¢
- 1.15% + 15¢
- Visa Debit Card
- 0.8% + 15¢
- 0.05% + 22¢
- 1.15% + 15¢
- Keyed Rate (card not present)
- 1.65% + 15¢
- 0.05% + 22¢
- 1.75% + 20¢
- Visa Debit Card
- Visa Credit Basic
- Visa Rewards Traditional
- Visa Rewards Signature
- Visa Rewards Signature Preferred
- Visa Business
- Visa Corporate
- Swipe Rate (card present)
- 1.51% + 10¢
- 1.65% + 10¢
- 2.30% + 10¢
- 2.1% + 10¢
- 2.20% + 10¢
- 2.50% + 10¢
- Visa Debit Card
- Visa Credit Basic
- Visa Rewards Traditional
- Visa Rewards Signature
- Visa Rewards Signature Preferred
- Visa Business
- Visa Corporate
- Keyed Rate (card not present)
- 1.80% + 10¢
- 1.95% + 10¢
- 2.70% + 10¢
- 2.40% + 10¢
- 2.25% + 20¢
- 2.70% + 10¢
- Visa International
- Visa International
- Visa International Premium
- Visa International Corporate
- Visa International Keyed
- Interchange Rates
- 1.10%
- 1.80%
- 2.00%
- 1.60%
- Mastercard Debit Card
- Mastercard Debit (small bank)
- Mastercard Debit (big bank/regulated)
- Mastercard Debit Prepaid
- Swipe Rate (card present)
- 1.05% + 15¢
- 0.05% + 22¢
- 1.05% + 15¢
- Mastercard Debit Card
- Mastercard Debit (small bank)
- Mastercard Debit (big bank/regulated)
- Mastercard Debit Prepaid
- Keyed Rate (card not present)
- 1.60% + 15¢
- 0.05% + 22¢
- 1.76% + 20¢
- Mastercard Credit Card
- Mastercard Consumer
- Mastercard Enhanced
- Mastercard World
- Mastercard World Elite
- Mastercard Corporate
- Swipe Rate (card present)
- 1.58% + 10¢
- 1.73% + 10¢
- 1.77% + 10¢
- 2.2% + 10¢
- 2.70% + 10¢
- Mastercard Credit Card
- Mastercard Consumer
- Mastercard Enhanced
- Mastercard World
- Mastercard World Elite
- Mastercard Corporate
- Keyed Rate (card not present)
- 1.89% + 10¢
- 2.04% + 10¢
- 2.05% + 10¢
- 2.5% + 10¢
- 2.70% + 10¢
- Mastercard International
- Mastercard International
- Mastercard International Keyed
- Interchange Rates
- 1.10%
- 1.60%
- Amex Retail
- Amex Retail under $75
- Amex Retail under $1,000
- Amex Retail over $1,000
- 1.60% + 10¢
- 1.95% + 10¢
- 2.40% + 10¢
- Amex Services
- Amex Services under $400
- Amex Services under $3,000
- Amex Services over $3,000
- 1.60% + 10¢
- 1.95% + 10¢
- 2.40% + 10¢
- Amex Restaurant & Caterers
- Amex Restaurant under $25
- Amex Restaurant under $150
- Amex Restaurant over $15
- 1.85% + 10¢
- 2.45% + 10¢
- 2.75% + 10¢
- Amex Lodging
- Amex Lodging under $100
- Amex Lodging under $1,000
- Amex Lodging over $1,000
- 2.25% + 10¢
- 2.60% + 10¢
- 3.00% + 10¢
- Amex Mail Order & Internet
- Amex Mail Order & Internet under $150
- Amex Mail Order & Internet under $3,000
- Amex Mail Order & Internet over $3,000
- 1.70% + 10¢
- 2.05% + 10¢
- 2.50% + 10¢
- Amex Prepaid
- Amex Prepaid under $75
- Amex Prepaid under $1,000
- Amex Prepaid over $1,000
- 1.35% + 10¢
- 1.70% + 10¢
- 2.15% + 10¢
- Discover Debit Card
- Discover Debit (small bank)
- Discover Debit (big bank/regulated)
- Swipe Rate (card present)
- 1.10% + 16¢
- 0.05% + 22¢
- Discover Debit Card
- Discover Debit (small bank)
- Discover Debit (big bank/regulated)
- Keyed Rate (card not present)
- 1.75% + 20¢
- 0.05% + 22¢
- Discover Credit Card
- Discover Consumer
- Discover Rewards
- Discover Premium
- Discover Premium Plus
- Discover Commercial
- Swipe Rate (card present)
- 1.56% + 10¢
- 1.71% + 10¢
- 1.71% + 10¢
- 2.15% + 10¢
- 2.30% + 10¢
- Discover Credit Card
- Discover Consumer
- Discover Rewards
- Discover Premium
- Discover Premium Plus
- Discover Commercial
- Keyed Rate (card not present)
- 1.87% + 10¢
- 1.97% + 10¢
- 2.00% + 10¢
- 2.40% + 10¢
- 2.30% + 10¢
- Discover Recurring Payments
- Discover Debit (small bank)
- Discover Debit (big bank/regulated)
- Discover Consumer
- Discover Rewards
- Discover Premium
- Discover Premium Plus
- Discover Commercial
- Interchange Rates
- 1.20% + 5¢
- 0.05% + 22¢
- 1.35% + 5¢
- 1.35% + 5¢
- 1.35% + 5¢
- 1.80% + 5¢
- 2.3% + 10¢
- Discover International
- Discover International Debit/Prepaid
- Discover International Consumer
- Discover International Rewards
- Discover International Premium
- Discover International Premium Plus
- Discover International Commercial
- Swipe Rate (card present)
- 1.20%
- 1.65%
- 1.65%
- 1.65%
- 1.65%
- 1.9%
- Discover International
- Discover International Debit/Prepaid
- Discover International Consumer
- Discover International Rewards
- Discover International Premium
- Discover International Premium Plus
- Discover International Commercial
- Keyed Rate (card not present)
- 1.70% + 10¢
- 1.70% + 10¢
- 1.70% + 10¢
- 1.70% + 10¢
- 1.79% + 10¢
- 1.90% + 10¢
To view the Average Interchange rates, please visit the Board of Governors of the Federal Reserve System website.
Savings & Transparency
CREDI was built for businesses by business owners. We were sick and tired of using old-school pricing models that were either flat rate fees or tiered systems. We felt caged in to a pricing model that never seemed fair and there was nothing we could do about it.
That’s why we created CREDI. CREDI’s number one goal is to save each of our customers as much savings as possible while remaining 100% transparent. We don’t have anything to hide. In fact, we’re hoping our customers use their savings to reinvest back into their business so they can continue to grow.
No contracts
We don’t lock our customers into lengthy or hard to read contracts.
No setup fees
We’re happy to set you up for success without any out of pocket costs to you.
Easy integration
CREDI can easily integrate to any type of business model and have you up and running in no time.
Flexible payouts
Our goal is to get you your money as quickly as possible so you can continue to reinvest into your business.