1. Help Centre
  2. Getting started

What are the differences between Interchange ++ and Blended pricing?

Understand the different pricing models and how they’re charged

There are two types of pricing model available, Interchange ++ and Blended. The main difference between the models is how the fees are charged.

  • Interchange ++ pricing breaks down all the costs of card processing into three sections: the interchange fee, the scheme fee, and the processing fee.
  • Blended pricing groups all these fees together: this includes interchange fees, card associations fees, and processor charges. In this model, merchants get a single fee without a breakdown.

Understanding the fees

  1. The interchange fee is charged to Cashflows by the customer's issuing bank. This figure varies depending on the type of transaction and card used.
  2. The scheme fee is charged by the schemes (Visa, Mastercard) to Cashflows for using their systems.
  3. The processing fee is a fixed cost that is charged to the merchant by Cashflows for use of our services.

Note: Additional charges and fees not stated, such as those relating to chargebacks, will always be applied separately irrespective of pricing plan

For more information, visit our website for a breakdown of the Interchange fee and Scheme fees. Processing costs can be found in AMS in your pricing plan, or you can reach out to your account manager for your pricing agreement.