Take Back Control of Your Costs

Now you can control Interchange Rates and reduce your Business to Business (B2B) and Business to Government (B2G) card processing costs instantly ​by using our Interchange Optimization platform that identifies and provides immediate rate reduction on every Visa and MasterCard transaction.

How Can This Be? ​
​
Visa and MasterCard have created a special program for B2B and B2G merchants who process Business, Corporate, Purchase and Government cards as a form of payment. This program is made possible by using specialized method of processing that provides processing data to Visa/MasterCard at the time of the sale that reduces the possibility of fraudulent transaction. This in turn enables immediate discount to be available at the point of sale.
​
Our proprietary processing method has been saving hundreds and thousands of dollars a month for businesses by using our platform to accept card payments from their customers without having to change back to old way of paying with checks and ACH in order to reduce costs.

Below is an example of what Standard Rate is for a Business card and what that exact card will cost if processed on our platform:

​Visa Qualification
Level 3
Level 2
Key In
Standard Rate
​What’s required?
​Level 3 Data
​Level 2
Key-in
No AVS / No Tax
Interchange Optimization
Best Rates
Better Rates
Slightly Better Rate
Standard Non Discounted Rate
​VISA COMMERCIAL PREPAID CARD
N/A
N/A
​2.65% + $0.10
2.95% + $0.10
​VISA CORPORATE / PURCHASING CARD
​1.90% + $0.10
​2.05% + $0.10
​2.70% + $0.10
​2.95% + $0.10
​VISA BUSINESS TIER 1
N/A
2.05% + $0.10
​2.25% + $0.10
​2.95% + $0.20
​VISA BUSINESS TIER 2
N/A
​2.05% + $0.10
2.45% + $0.15
2.95% + $0.20
​VISA BUSINESS TIER 3
N/A
2.05% + $0.10
2.60% + $0.20
​2.95% + $0.20
VISA BUSINESS TIER 4
N/A
2.20% + $0.10
​2.70% + $0.20
​2.95% + $0.25

Who sets the rates?

​Interchange rates are set by credit brands such as Visa, MasterCard, American Express and Discover. ​Visa and MasterCard typically publish updated interchange rates in April and October and are publicly available.

Visa Interchange Rates
MasterCard Interchange Rates

​What data is required to qualify for the discounted Level 3 / Level 2 rates? 
​
Visa and MasterCard have 20+ line items they require to be provided during the sale, such as transaction date, dollar amount etc. However instead of entering this data manually, our platform identifies the needed data and populates each field instantly, saving tremendous time and reducing errors. With this unique ability our platform qualifies the transaction and enables you to instantly receive the lower rate at time of the sale.