How card costs, the per-transaction fee, and your pricing model add up to what you pay.
A five-minute read with worked examples
Interchange and network fees are the underlying card costs. Your provider adds its own markup.
Proportions are illustrative. Crane does not set interchange or network fees.
Interchange is not one number. It changes with the card in your customer’s hand, and no business chooses which one walks in.
The rate on your statement is the blend of whatever walked through the door that month.
Published card-present interchange plus network fees, before any provider markup. Illustration.
Almost every price has two parts: a percentage of the sale, and a flat fee on every transaction. The percentage scales with the sale and the cents don’t. Drag the ticket and watch.
Illustration using a 10¢ per-transaction fee. Two providers can quote the same percentage and the per-item fee still decides the deal. Under about $20 a sale, read that line first.
Those costs reach your bill in one of three ways: one blended number, the cost itemized with the markup on its own line, or the cost split with the cardholder at checkout.
The cheap card is cheap again under interchange-plus, and the gold band is the same on both. Illustration.
One card-present rate, starting at 2.19% + 9¢ per transaction.
A straightforward price across card types. You pay the same rate on lower-cost debit and premium rewards cards. Higher-volume businesses can qualify for a lower rate.
Review my Simple RateCard costs pass through. Our markup is shown separately.
Your monthly volume sets the percentage band. A per-transaction fee is quoted from your statement; total cost varies with the cards you accept.
See the IC+ volume bandsEligible credit customers pay a disclosed fee.
You still pay processing on debit and prepaid. Usually a poor fit for low average sales or a heavy debit mix.
Check how dual pricing worksSimple Rate starts at 2.19% + 9¢ per card-present transaction, with no monthly platform fee. Equipment and applicable pass-through charges are separate. We compare eligible options using your statement.
You can start with your name and phone, no statement needed. If you send one, we compare the options your business qualifies for, and you’re under no obligation to switch.
