80% Above Interchange Cost Plus Residual Program
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Visa Interchange Table
MC Interchange Table
 
 
Q How can the company afford giving away 80% above interchange pass through profits?
A We've implemented an efficient, robust infrastructure which gives us the ability to return more direct revenues back to our independent sales offices.
Q How many payment processing companies offer this type of pricing?
A As of today, we're the only payment processing company offering experienced ISOs and Agents this one-of-a-kind direct deal.
Q What are the primary associated fees for receiving the 80% Interchange pass-thru pricing?
A We charge only a fixed, nominal fee for using our system.
Q Is there always a BIN sponsorship and assessment fees?
A All merchant acquirers pay BIN sponsorship and assessment fees to their sponsored banks. When there's a bank, there's always BIN fees. Merchant acquirers can recuperate these minimal costs through profits earned from their revenue sharing or buy rate programs.
Q What are the common pricing programs available for sales offices or agents?
A The two common programs available to sales offices and agents are Interchange Split Revenue Sharing Programs or Buy-Rate Programs.
Q What is Interchange Split or Revenue Sharing Program?
A The ISOs/MSPs offer sales agents their true-cost interchange pricing but require a split in revenue streams. This equates to impartial revenue streams earned and a lesser valuation of accounts during portfolio sales.
   
Q What are the current Interchange Rates?
A Interchange pass-thru's are standard rates that card associations (e.g., Visa, Mastercard, Amercian Express, Discover, etc.) pass through to all banks and processing companies.
   
Q What is a Buy-Rate Program?
A The Buy-Rate Program offers agents a flat rate comparable to the current qualified, swiped rates. The agents do not earn any other revenue streams. For example, agents get marked up on transaction fees, mid-qualified, or non-qualified rates. They also cannot generate other revenue streams such as retrieval fees, chargeback fees, statement fees, voice authorization fees, etc.
Q Are we entitled to include the reserve balance during portfolio sales?
A Yes.
Q Do we have access to adding, removing, or updating merchant account information anytime?
A Yes. Our sales offices/agents have complete access to the management and monitoring of their accounts.
Q Is a reserved balance required?
A A reserve is only required on our 80% High Risk Program. This is to safeguard you against any liabilities such as chargebacks and insufficient funds on the accounts. A reserve balance is not required for the 80% No Liability Program.
Q Which merchant accounts can we approve?
A We can approve a majority of the accounts available in the market today.
Q What are the primary associated fees for receiving the 80% Interchange pass-thru pricing?
A We only charge a low, fixed nominal fee for using our 80% ISO Program system.