Interchange-plus
Interchange-plus shows the network cost and the provider markup as separate figures. When interchange changes, your cost changes with it, in either direction.
It is the most transparent structure and the easiest to audit month over month, because the negotiable portion is stated explicitly rather than blended away.
Tiered pricing
Tiered pricing sorts transactions into buckets, commonly labeled qualified, mid-qualified and non-qualified. The provider decides which transactions land in which bucket.
The headline number usually refers to the cheapest bucket. If a large share of your volume is rewards cards, keyed entry or commercial cards, much of it may never qualify for that headline number.
Flat-rate pricing
Flat-rate charges one blended percentage regardless of card type. It is simple and predictable, which suits low volume, seasonal businesses and very small average tickets.
As volume grows, the simplicity has a cost: the blend has to cover the provider's most expensive transactions, so profitable card mixes subsidize the rest.
Choosing a structure for your profile
There is no universally best model. The right structure depends on monthly volume, average ticket, card mix and how much of your volume is card-present.
Steady, higher volume
Transparent structures tend to be easier to audit and to hold providers accountable to over time.
Low or seasonal volume
Predictability can be worth more than the last basis point of savings.
High keyed or online mix
Entry method drives interchange, so structure matters less than fixing how transactions are submitted.
Frequently asked questions
Which pricing model is cheapest?
It depends on your volume, ticket size and card mix. The only way to compare fairly is effective rate across a full month of your own statements.
Can I change pricing models with my current provider?
Sometimes. Providers may restructure an existing account, though terms are reviewed case by case and remain subject to approval.
Does BSV publish its rates?
No. Pricing is reviewed individually against your business profile and statement rather than published as a fixed number.
What information is needed to compare?
Two or three recent processing statements showing volume, transaction counts and all fee line items.
Want a second opinion on your setup?
Tell us how you take payments today and a BSV Solution specialist will walk through the options with you. Eligibility and processor selection are reviewed individually, subject to underwriting approval.