Visa & Mastercard — Payment Method
The Power of Global Schemes. The Transparency of Cost+.
IC++ shows actual interchange and scheme costs separately from Cost+’s margin and fixed fees. Blended pricing combines those variable costs into the published rate for the relevant card category. The better fit depends on your card mix and preference for cost detail.
VISA & MASTERCARD PAYMENTS
Understanding Visa &
Mastercard costs
IC++ separates
actual
interchange, scheme
fees and
Cost+
charges. Blended
pricing combines
variable
processing costs
into
a published rate for the
relevant card
category. Compare
both
options with
and choose
based on
your
card mix.
Accept eligible
and
payments from
supported markets. Under
IC++, network
costs pass
through at their
actual cost.
SEE YOUR RATES
Get Your
Specialized Quote
Your quote reflects your business, integration and applicable payment-method fees.
PLATFORMS & API
Discover Our Integrations
IC++: interchange passed through at actual cost
IC++: scheme fees passed through at actual cost
Blended pricing available by card categoryCompare pricing →
IC++: network costs and Cost+ fees shown separately
VISA & MASTERCARD PAYMENTS
Frequently Asked Questions
IC++ rates, markup transparency, global coverage, and 3D Secure inclusion for card transactions.
What are the IC++ interchange rates for EU debit and credit cards?
For consumer-card transactions within the EU/EEA interchange regulation’s scope, the caps are 0.2% for debit and 0.3% for credit. Actual interchange may be lower. Commercial cards and out-of-scope transactions differ; scheme fees and Cost+ charges are additional. EU 2015/751
How does IC++ differ from blended pricing for Visa and Mastercard?
IC++ shows actual interchange and scheme costs separately from Cost+’s margin and fixed fees. Blended pricing combines those variable costs into the published rate for the relevant card category. The better fit depends on your card mix and preference for cost detail.
Does Cost+ mark up interchange or scheme fees?
No. Under IC++, Cost+ passes interchange and scheme fees through at their actual cost. Cost+’s own margin and fixed fees are shown separately, so you can distinguish network costs from the payment service’s charges.
Does Cost+ support Visa and Mastercard globally?
Cost+ can process eligible internationally issued Visa and Mastercard cards. Availability depends on the merchant country, card, currency and business activity supported by the acquiring agreement; it does not mean every merchant or transaction in every country is eligible.
Are 3D Secure fees included for Visa and Mastercard transactions?
Yes. Cost+ charges no separate 3D Secure fee. On IC++ and blended, the authorization fee applies to each attempt, including unsuccessful attempts; the processing gateway fee, where applicable, applies only to successful transactions.
Stop Guessing
Switch to
Transparent Pricing
Actual interchange and scheme costs, plus the disclosed Cost+ margin and fixed processing fees. Amex uses its separate flat percentage. No setup fee. No monthly fee. No separate 3-D Secure fee. Compare pricing →