Interchange Optimization and Level III Processing

Interchange Optimization


Interchange optimization will ensure you qualify for the least expensive interchange rate possible, instantly increasing your profit margins on your existing sales volumes!

For a large number of businesses credit card fees can often rank in the top 5 of all expenses. Credit card fees are a common cause of concern and frustration.  Despite what most businesses owners have been led to believe, the bulk of the fees a business pays to accept credit cards, goes right back to the bank that issued the credit card.  Not a processor.

Interchange fees amount to 75%-90% of a business’s total expense.

Interchange optimization along with Level II and level III processing can significantly reduce the fees you pay to accept commercial and government transactions.commercial, & government credit cards fall into 1 of 3 different interchange categories.  Level 1, level 2 or level 3. The higher the level the lower the interchange rate you pay.


Remember, only transactions passing level III line item detail are eligible to receive these reduced interchange rates.

To see how this can impact your bottom line, simply google Visa Interchange rates. Page 13 you will see.

  • Commercial card level III has an interchange cost of 1.90% + $0.10
  • Commercial card does not present has an interchange cost of 2.70% +$0.10

An interchange difference of 80 basis points, before your processor adds their fee to the transaction.

Revolution Payments can help you meet the requirements for level III processing and interchange optimization. Our proprietary payment solution automates 100% of this behind the scenes without you lifting a finger.

Questions? Give us a call 888 790 3450

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