Credit Card Interchange Fees

Interchange rates are credit card fees that a merchant pays for processing credit card transactions.


Credit card interchange fees start out simple enough: the fee charged to the acquiring bank from the issuing bank. However, fees quickly get complicated because of the many variables that affect costs for a particular processing solution. Significant factors include the type of business, type of credit card used, whether the card is present or not, timeliness, overall processing volume, and average transaction size. BluePay’s fees are competitive for low cost credit card processing.


We offer rates as low as 0.05% for retail debit transactions, and as low as 1.99% for MOTO (Mail Order/Telephone Order) and Internet transactions. But more important than these low rates, BluePay offers tremendous value. Our payment processing solutions provide the highest level of security, give merchants the full range of payment processing options, and support your program with technology and service that are second to none.

Get More Information on BluePay’s Rates


Our approach to credit card processing rates is to provide maximum transparency. We don’t “bundle” our fees into a package that makes it difficult for you to determine the fee applied to individual transactions. Instead, we offer “unbundled” programs that help you identify the real cost and profitability of each transaction. If you are confused about your merchant account fees or current rates (don’t worry, many companies are), we are happy to give you a free, no-obligation rate analysis.

Interested in discussing your credit card interchange fee? Contact us now to learn more about your current program and what we can offer.

Get Started Today
  • Microsoft Gold Partner Badge
  • 2018 American Business Awards Gold Stevie® Winner Badge for Best Payment and Electronic Commerce Solution
  • 2018 CNP Awards Customer Choice Winner Badge for Best E-Commerce Platform/Gateway
  • Best in Biz Awards 2018 Silver Winner Badge for Business Development Department of the Year
  • TSG Gateway Awards 2019 BluePay
BluePay Processing, LLC is a registered ISO of Wells Fargo Bank, N.A., Concord, CA, 94524 U.S.A.
BluePay Canada ULC, is a Registered ISO/MSP of Peoples Trust Company, Vancouver, Canada.