SecureTrust of Florida helps businesses review Interchange Plus merchant services, compare processing programs, and understand how processor markup, card costs, monthly fees, device setup, and payment workflows affect the total cost of accepting cards.
Interchange Plus may be a good fit for businesses that want more transparency than a flat-rate or bundled pricing model, especially when monthly volume, average ticket size, or transaction mix makes statement clarity important.
Serving businesses across Florida, with sales representatives in New York and additional expanding markets.
Interchange Plus separates processor markup from other card acceptance costs, making it easier to review how the account is priced.
SecureTrust can review current statements, monthly fees, card mix, average ticket size, and transaction types before recommending a program.
The payment program should match the way the business accepts payments through Clover POS, virtual terminal, gateway, invoice, or online workflows.
Interchange Plus is a merchant services pricing model where the processor markup is shown separately from underlying card acceptance costs and other account fees. This can make the statement easier to review compared with pricing models where costs are bundled together.
The final cost still depends on the business type, card mix, transaction method, monthly volume, average ticket size, keyed-entry activity, gateway use, and any account-level fees.
Interchange Plus is not the only pricing option. Some businesses prefer the clarity of Interchange Plus, some prefer the simplicity of flat-rate pricing, and others may review Dual Pricing or cash discount programs depending on customer experience and checkout flow.
| Program | General idea | What to review |
|---|---|---|
| Interchange Plus | Processor markup is shown separately from other card acceptance costs. | Markup, monthly fees, transaction types, card mix, gateway fees, and statement clarity. |
| Flat-rate pricing | The business typically sees a simplified rate structure. | Simplicity, effective cost, monthly volume, average ticket size, and whether the rate fits the business. |
| Dual Pricing | Customers are shown clear payment-based pricing, such as cash and card pricing. | Customer-facing pricing, signage, receipts, staff training, POS setup, and checkout flow. |
This page is general business information, not legal, tax, or financial advice. Program availability, pricing, and requirements can vary by processor, business type, location, card network rules, and underwriting approval.
Interchange Plus may be worth reviewing when a business wants better visibility into processing costs, has higher monthly volume, has a mix of transaction types, accepts both in-person and keyed payments, or wants a more detailed statement review.
A strong review should look beyond one advertised rate. SecureTrust of Florida can review the full statement structure, including processor markup, account fees, payment methods, and whether the current setup fits the way the business actually gets paid.
Different businesses should review Interchange Plus differently. A restaurant may need to review tips, online ordering, card-present transactions, and average ticket size. A retail store may focus on counter checkout, customer-facing payment flow, and transaction volume. A service company may rely more on invoices, deposits, phone orders, and virtual terminal payments.
Review tips, taxes, online orders, counter checkout, tableside payments, card-present activity, and statement fees.
Review transaction volume, average ticket size, customer-facing checkout, device setup, receipts, and monthly fees.
Review deposits, invoices, keyed payments, phone payments, gateway use, virtual terminal activity, and card mix.
Related pages: restaurant POS systems, high-volume merchant processing, and merchant services.
Pricing is only one part of the merchant services setup. The business should also review how payments are accepted: through Clover POS, virtual terminal tools, gateways, invoices, phone orders, online payments, or customer-facing checkout.
Review device fit, receipts, user access, reporting, customer-facing checkout, and payment workflow.
Review keyed payments, phone orders, remote payments, deposits, and office-based payment collection.
Review online payments, hosted checkout, invoice payments, website payments, and gateway-related fees.
Review invoice payment flow, payment links, customer communication, and card-present vs keyed activity.
For Clover hardware guidance, review our Clover Flex vs Mini vs Station Duo comparison and Clover POS setup page.
Interchange Plus can be useful for statement clarity, but it is not automatically the best choice for every business. Some businesses may prefer Dual Pricing, cash discount, flat-rate pricing, or another merchant services structure depending on volume, customer experience, device needs, and transaction mix.
SecureTrust of Florida can compare your current statement against available options before recommending a payment-processing setup.
Compare Dual Pricing, payment program options, and request a statement review.
SecureTrust of Florida can review your current statement and compare Interchange Plus, Dual Pricing, Clover POS, virtual terminal, gateway, or other payment-processing options based on how your business gets paid.