Visa & Mastercard — Payment Method
The Power of Global Schemes. The Transparency of Cost+.
"Blended rates" like 1.35% are a trap — they hide profit margins inside a single opaque number. With Cost+ IC++ pricing, you see every fee component: interchange, scheme, and our flat margin. Debit savings are passed directly to you.
VISA & MASTERCARD PAYMENTS
The Hidden Tax on
Visa & Mastercard
Standard
providers
bundle
interchange,
scheme fees,
and
their own
margin
into a
blended rate
(e.g. 1.35%). You never
know how
much goes to the
network
vs. their pocket.
breaks
it all down —
transparently.
Accepted globally.
Process
and
across Europe
and beyond
with true
wholesale
interchange
passthrough.
SEE YOUR RATES
Get Your
Specialized Quote
Your rate depends on your card mix, regions, and transaction methods. Get a quote based on your actual volume.
PLATFORMS & API
Discover Our Integrations
True interchange passthrough — no blended rate markup
Scheme fees passed at cost
Flat 0.50% margin — the only part we control
Full cost breakdown on every transaction
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?
EU Debit cards have interchange rates of approximately 0.20%–0.30%, EU Credit cards run 0.30%–0.60%, and Non-EU/Corporate cards are 1.00%–2.00%+. Cost+ passes these rates through at cost with zero markup on interchange.
Why is IC++ better than blended pricing for Visa and Mastercard?
Blended rates like 1.35% apply the same percentage regardless of card type, hiding the actual cost. With IC++, a EUR 100 EU debit transaction might cost only 0.20% interchange + 0.15% scheme + 0.50% margin = 0.85% total, versus 1.35% with a blended provider — saving 37% on that transaction.
Does Cost+ mark up interchange or scheme fees?
No. Cost+ passes through both interchange fees and scheme fees at exact cost with zero markup. The only component they control is their flat 0.50% margin plus EUR 0.15 authorization fee.
Does Cost+ support Visa and Mastercard globally?
Yes. Through Tier-1 acquiring partnerships, Cost+ processes Visa and Mastercard transactions across 100+ countries. IC++ pricing applies regardless of the card's country of origin, with the interchange rate reflecting the actual card type.
Are 3D Secure fees included for Visa and Mastercard transactions?
Yes. Cost+ includes 3D Secure 2.0 authentication at no extra cost, bundled into the EUR 0.15 authorization fee. Many competitors charge EUR 0.03 or more per 3DS authentication as a separate line item.
