Do you know what you're paying to process every transaction?

The Interchange Plus Program from AMS provides our merchants with a non-ambiguous, easy to understand method of credit card transaction processing. Interchange Plus is the truest, most genuine form of pricing.



Over the past several years the card associations have introduced dozens of new and unique interchange categories for specific industry sectors, which were designed to increase card acceptance and lower fees for those merchants.


While these interchange rates are available to many merchants, it still requires proper setup and/or registration by your processor in order to qualify at the lowest possible rates.


Here are some of the sectors that are eligible for some of these lower interchange rate categories.


• Government

• Utilities

• Insurance

• Education

• Hospitality


If your business is in one of these categories, AMS would welcome the opportunity to offer you a free cost analysis and demonstrate the lower interchange cost benefits that are available to you.


The Durbin Discount

Many merchants are aware of the new debit regulations that were put into place several years ago as part of the Durbin Amendment.


While Durbin placed a cap on debit interchange that provided huge cost reductions for merchants nationwide, there are also many merchants who did not receive this cost savings as a result of the bundled or tiered pricing being offered by their processor.


If you are one of these merchants, please allow us to show you how our pass-through pricing can qualify you for Durbin Debit rates and save your business a significant amount of money.



 Questions? Call Us

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Our experience has taught us that merchants are constantly shopping for the best discount rates, moving from processor to processor, without a real understanding of how the Visa/MasterCard Interchange System works and exactly how many different interchange categories exist today which at present has 440 unique categories.


Did you know that many factors affect the interchange rate you pay? Factors range from the way customers make a purchase and how your point-of-sale (POS) terminal is configured, to how quickly you send your transactions for settlement. Depending on the factors in play in your business and for any specific transaction, you can pay the best rate or face a downgrade to a higher rate.


Why Interchange Plus?


This pricing method places each transaction in the appropriate card rate category and charges the corresponding rate. Essentially, is it “cost plus” pricing, you pay the exact interchange rate for the card category being charged by Visa, MasterCard or Discover, plus a fixed processor fee. No other pricing method does this.


No Hidden Fees, No Surprises


AMS offers our merchants Interchange Plus Pricing so you’ll know the true cost of every card that comes through your business. We provide our merchants with an easy to audit, monthly statement that reflects your actual service usage and charges. With this pricing structure, you'll get to see exactly how much money was paid to the card-issuing banks, how much went to Visa/MasterCard/Discover, and how much went to AMS.


Interchange Fee Essentials

Interchange fees are the single largest component of your merchant discount rate pricing.

All banks and acquirers operate from the exact same Interchange fees and dues and assessment costs.

Card Association Interchange is the fee paid by the merchant to the cardholder's issuing bank for processing a transaction through the system.

Interchange fees are priced at the transaction level and depend on the combination of your industry category code (SIC), the method by which you accept the card, the card product you accept and sometimes even varies by transaction size.


Association Dues & Assessments


Dues, Assessments, & Access fees comprise the component of Merchant Discount that goes to the Card Associations. An open payment network like MasterCard and Visa allow many banks to participate. The association builds and maintains much of the infrastructure: the lines and switches required to route transaction information between different acquiring and issuing banks. The associations specify that for each transaction an interchange fee be paid to the bank issuing a card by the bank acting as the acquirer for the merchant.

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