Interchange-Plus Pricing

The most transparent pricing model available. Pay the true cost of each transaction plus a small, fixed Oracle markup — no hidden fees, no padded bundles, just complete clarity.

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How It Works

Total Transparency on Every Transaction

Oracle Merchant Services offers Interchange-Plus Pricing — a transparent and highly competitive model that lets businesses see exactly what they pay per transaction.

Unlike flat-rate or bundled pricing models, Interchange-Plus separates the cost of processing (interchange fees set by card networks) from our service markup. This means you always know the true cost of your transactions and can optimize accordingly.

Every transaction is clearly broken down: the interchange fee charged by the card network (Visa, Mastercard, Discover, or AMEX) plus a fixed Oracle Merchant Services markup. This approach eliminates hidden fees and ensures total transparency.

Many clients switching to Interchange-Plus Pricing save 30–70% on their processing costs. We also offer free equipment, contract buyouts, no setup fees, and all business supplies included.

Example Breakdown

Interchange Fee

Set by Visa/Mastercard

1.65%

+ $0.10

Oracle Markup

Fixed, never changes

0.30%

Your Total Rate

Per transaction

1.95%

+ $0.10

Example rates for illustration only. Your actual rate depends on transaction type, average ticket size, and monthly volume. Every business is different.

Key Advantages

Why Interchange-Plus Works for Your Business

Transparent and straightforward breakdown of every cost

Reduced risk of hidden fees or padded bundled rates

Ideal for businesses with high transaction volumes or variable ticket sizes

Allows for strategic planning and accurate cost forecasting

Compatible with all payment types — EMV, NFC, and online transactions

Savings of 30–70% compared to tiered or flat-rate bundled pricing

Fixed markup percentage that never increases without notice

Free annual rate review to ensure ongoing competitiveness

Limited — Through June 2026

“Name Your Rate” Promotion

For qualified merchants, our “Name Your Rate” promotion through June 2026 allows you to discuss and potentially secure the processing rate you desire. Signing bonuses and merchant cash advance programs are also available.

💰

Signing Bonus

Available for qualified merchants joining Oracle

📈

Merchant Cash Advance

Access capital to invest in growth or operations

🤝

No Personal Guarantee

Required for most qualified merchant programs

🔒

No Long-Term Contracts

Month-to-month with full flexibility

See How Much You Can Save with Interchange-Plus

Contact Oracle Merchant Services today. Take advantage of our Name Your Rate promotion and see exactly how much you can save.

Request an Interchange-Plus Quote Try Rate Comparison Tool

No contracts

No hidden fees

24/7 support