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Interchange-plus

The more you run,
the less we add.

Find your percentage markup by monthly card volume. Your per-transaction fee is quoted from your statement.

Interchange and network fees pass through separately. These bands show what Crane adds, not your total processing rate.

Your volume band

Crane’s markup
$40,000

Your band: 0.35% + a quoted per-transaction fee

Monthly card volumeCrane adds
Under $15k 0.60%
$15k to <$40k 0.45%
$40k to <$100k 0.35%
$100k to <$250k 0.25%
$250k to <$500k 0.20%
$500k+ 0.15%

Card-present, standard risk. Add interchange, network fees, and the quoted per-transaction fee. Under $15k, we usually recommend Simple Rate. Equipment is quoted separately.

Get my full quote See how the costs fit together
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Anatomy of a rate

Three parts. Only one is ours.

Your underlying card costs are interchange plus network fees. Crane adds a separate markup. Switch the types of cards below to see what changes.

Debit runs cheap, so the card cost stays small. Crane’s slice is the same either way.

Interchange Paid to the bank that issued the card. Varies with the card and how the transaction is processed. Passes through
Network fees Set by the card networks and published by them. Not a Crane margin. Passes through
Crane’s markup Your volume sets our percentage band. We quote the per-transaction fee separately. 0.15% – 0.60%

Illustration, not to scale, and not a quote. Interchange and assessments pass through as billed by the issuer and the networks. The per-item component of the Crane markup is quoted from your statement.

Fit

It wins on some statements. Not all.

We do not push IC+ onto every merchant. Here is what pulls a statement toward it, and what pulls it away.

Pulls toward IC+

Debit-heavy card mixA bundled rate charges the same on the cheapest transactions you run.
Higher tickets, B2B or commercial cardsThe underlying cost is where the money is, so seeing it matters.
Steady monthly volumeVolume picks the band, and a stable month keeps you in it.

Pulls away

Very low tickets or very high countsThe per-item component starts to outweigh the percentage.
Mostly online, keyed or stored-cardCard-not-present cost and risk are a separate review.
You want one number every monthIC+ moves with the cards your customers hand you.

None of these is a rule. The statement decides, and sometimes it says stay on the Simple Rate.

How your quote is built

From your statement to your quote.

We reply within one business day. Your full review usually follows within a couple of business days of receiving the details.

  1. 01Start here

    Send one statement

    We read volume, transaction count, average ticket, card mix, and every fee line.

  2. 02Your completed review

    Your volume picks the band

    You see the Simple Rate and IC+ side by side when both qualify, on your month.

  3. 03After approval

    We handle the move

    Equipment is quoted separately. Most merchants go live within 3–5 business days of approval.

Questions

IC+ questions, answered plainly

Is interchange-plus always cheaper than a flat rate?

No. We compare the complete monthly cost on your statement. The types of cards, average sale, transaction count, and current fees all matter.

Why is only the markup published, not a full rate?

Your total includes interchange, network fees, and our percentage and per-transaction markup. The bands show our percentage; your statement lets us quote the complete cost.

Do low-ticket businesses qualify?

Sometimes, but the per-transaction component matters more when the ticket is small or the count is high. Those statements get a transaction-level review before we recommend IC+.

Can online and keyed transactions use the same quote?

Not automatically. Card-not-present activity carries a different cost and risk profile, so it gets its own statement-derived review.

See all questions →

See whether IC+ wins on your statement.

Start with page one; we’ll ask for fee-detail pages if needed. Savings vary with volume, card mix, transaction profile, and current processor.

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