Merchant Focus guarantees we can save you money compared to your existing merchant account.
Here is a fee schedule from a typical processor offering "Two Tier Billing". All Rates and Fees already include VISA/MC "Dues and Assessments."
In addition to this typical fee schedule, please continue below this table for real Merchant Focus Premium merchants saving thousands of dollars a year since switching to our Interchange-Plus merchant accounts.
Typical Fee Schedules for eCommerce, MOTO, Auction Merchants processing between $20,000 - $50,000 per month:
| Categories: | Merchant Focus | Typical Processor Fees: | |
| VISA US Consumer Credit Interchange-Plus 15 basis points |
Visa: 1.80% + .15% = 1.95% | 2.29% (Qualified) | |
| MC US Consumer Credit Interchange-Plus 15 basis points |
MC: 1.89% + .15% = 2.04% | 2.29% (Qualified) | |
| VISA US Consumer Debit Interchange-Plus 30 basis points |
Visa: 0.05% + .30% = .35% | 2.29% (Qualified) | |
| MC US Consumer Debit Interchange-Plus 30 basis points |
MC: 0.05% + .30% = .35% | 2.29% (Qualified) | |
| VISA US Business Commercial Interchange-Plus 30 basis points |
Visa: 2.25% + .30% = 2.55% | 3.99% (Non-Qualified) | |
| MC US
Business Corporate Interchange-Plus 30 basis points |
MC: 2.65% + .30% = 2.95% | 3.99% (Non-Qualified) | |
| Visa International Interchange-Plus 15 basis points |
Visa: 1.60% + .60% = 2.20% | 3.99% (Non-Qualified) | |
| MasterCard
World Interchange-Plus 60 basis points |
MC: 1.60% + .60% = 2.20% | 3.99% (Non-Qualified) | |
| VISA Transaction
Fee Interchange-Plus $0.15 cents |
Visa: $0.10 + $0.15 = $0.25 | $0.30 | |
| MC Transaction
Fee Interchange-Plus $0.00 cents |
MC: $0.10 + $0.15 = $0.25 | $0.30 | |
| VISA Debit
Transaction Fee Interchange-Plus $0.00 cents |
Visa: $0.21 + $0.15 = $0.36 | $0.30 | |
| MC Debit
Transaction Fee Interchange-Plus $0.00 cents |
MC: $0.21 + $0.15 = $0.36 | $0.30 | |
| Deposit Details | Gross Daily Settlement* | Net Daily Settlement | |
| Authorize.Net Payment Gateway Access Fee | NO CHARGE | $10.00 to $25.00 per month | |
| Authorize.Net Transaction Fee | First 250 trans free monthly, then $0.05 per transaction | $0.05 from trans #1 | |
| Statement Fee | NO CHARGE | $0.00 to $10.00 per month | |
| Service Fee | NO CHARGE | $0.00 to $10.00 per month | |
| Batch Header Fee | NO CHARGE | $0.30 | |
| Annual Fee | NO CHARGE | $0.00 to $99.00 per year | |
| Address Verification Fee | NO CHARGE | $0.05 | |
| Monthly Minimum | NO CHARGE | $25.00 per month | |
| Termination Penalty | NO CHARGE | $0.00 to $250.00 | |
| Fraud Detection Suite (FDS): | NO CHARGE | $5.00 per month | |
| Application (Set Up) Fee | NO CHARGE | $0.00 to $199.00 | |
| Chargeback Fee | $15.00 per chargeback | $25.00 per chargeback | |
| American Express Transaction Fee | $0.20 | $0.30 | |
| American Express Rates | Quoted Directly | Quoted Directly | |
| PCI Service Package | NO CHARGE | $15.00 per month | |
| Up to $50,000 Breach Protection | NO CHARGE | Not Available through other Processors | |
*In addition to guaranteed savings, Merchant Focus features GROSS DAILY SETTLEMENT of Visa/MasterCard sales. This means 100% of your V/MC sales are deposited directly into your checking account each business day, making reconciliation of your checking account much easier. Only at the end of each month are your processing fees debited.
NOTE: Most processors offer NET DAILY SETTLEMENT where processing fees are debited before deposit, making reconciliation of your checking account much more difficult.
Sample Merchant: ECOMMERCE
This is an actual eCommerce merchant processing approximately $400,000 per month in VISA/MC sales. In addition to significant savings from their VISA/MC processing, we also eliminated their Statement Fee, Annual Fee, Address Verification Fee and Batch Header Fee.Merchant Focus is saving this merchant approximately $900.00 per month!
| ECOMMERCE Merchant Account Rates and Fees: | |||
| Interchange-Plus eCommerce: | Merchant Focus | Previous Proccessor | |
| VISA US Consumer
Credit (Card Not Present): Interchange-Plus 15 basis points |
Visa: 1.80% + .15% = 1.95% | Previously Paying 2.49% | |
| MC US Consumer Credit
(Card Not Present): Interchange-Plus 15 basis points |
MC: 1.89% + .15% = 2.04% | Previously Paying 2.49% | |
| VISA US Consumer Debit
(Card Not Present): Interchange-Plus 25 basis points |
Visa: 0.05% + .25% = 0.30% | Previously Paying 2.49% | |
| MC US Consumer Debit
(Card Not Present): Interchange-Plus 25 basis points |
MC: 0.05% + .25% = 0.30% | Previously Paying 2.49% | |
| VISA US Business Commercial
(Card Not Present): Interchange-Plus 25 basis points |
Visa: 2.25% + .25% = 2.50% | Previously Paying 2.74% | |
| MC US
Business Corporate (Card Not Present): Interchange-Plus 25 basis points |
MC: 2.65% + .25% = 2.90% | Previously Paying 3.25% | |
| Credit
Card Transaction Fee Interchange-Plus $0.00 cents |
Visa $0.10 + $0.00
= $0.10 MC $0.10 + $0.00 = $0.10 |
Previously
Paying $0.00 Previously Paying $0.00 |
|
| Debit
Card Transaction Fee Interchange-Plus $0.00 cents |
Visa $0.21 + $0.00
= $0.21 MC $0.21 + $0.00 = $0.21 |
Previously
Paying $0.00 Previously Paying $0.00 |
|
| AmEx Transaction Fee | $0.10 cents | Previously Paying $0.10 | |
Sample Merchant: RETAIL
This is an actual retail merchant processing approximately $65,000 per month in VISA/MC sales. In addition to significant saves from their VISA/MC processing, we also eliminated their Statement Fee, Annual Fee and Batch Header Fee.Merchant Focus is saving this merchant approximately $250.00 per month!
| RETAIL Merchant Account Rates and Fees: | |||
| Interchange-Plus eCommerce: | Merchant Focus | Previous Proccessor | |
| VISA US Consumer
Credit (Card Present): Interchange-Plus 20 basis points |
Visa: 1.51% + .20% = 1.71% | Previously Paying 1.95% | |
| MC US Consumer Credit
(Card Present): Interchange-Plus 20 basis points |
MC: 1.58% + .20% = 1.78% | Previously Paying 1.95% | |
| VISA US Consumer Debit
(Card Present): Interchange-Plus 20 basis points |
Visa: .05% + .20% = .25% | Previously Paying 2.35% | |
| MC US Consumer Debit
(Card Present): Interchange-Plus 20 basis points |
MC: .05% + .20% = .25% | Previously Paying 1.95% | |
| VISA US Business Commercial
(Card Present): Interchange-Plus 20 basis points |
Visa: 2.25% + .20% = 2.45% | Previously Paying 4.29% | |
| MC US
Business Corporate (Card Present): Interchange-Plus 20 basis points |
MC: 2.65% + .20% = 2.85% | Previously Paying 4.29% | |
| Credit
Card Transaction Fee Interchange-Plus $0.10 cents |
Visa $0.10 + $0.10
= $0.20 MC $0.10 + $0.10 = $0.20 |
Previously
Paying $0.25 Previously Paying $0.25 |
|
| Debit
Card Transaction Fee Interchange-Plus $0.10 cents |
VISA $0.21 + $0.10
= $0.31 cents MC $0.21 + $0.10 = $0.31 cents AMEX $.20 Per Transaction |
Previously
Paying $0.25 Previously Paying $0.25 Previously Paying $0.25 Previously Paying $0.25 |
|
For a professional analysis of your current merchant account and a customized proposal, please complete our Statement Analysis Form and we will contact you promptly.