There is no one set answer to this question as there are many factors that come into play.
Sometimes you may get more favourable rates if you are a larger business and process more payments.
The most prevalent factor however is the type of pricing model you decide to select. Below is a brief description of these models:
Also known as cost-plus pricing or pass-through pricing.
This breaks pricing down into two elements
The interchange
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The cost from the issuing bank to you via your Merchant Account provider.
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The plus
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The fees your Merchant Account provider charge.
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If the issuing bank changes their rates then your inter-charge plus costs will also change to
reflect the increase or decrease of the rates.
Charges a flat rate for payment processing each month instead of by transaction.
Think of it as bulk buying at a wholesale price instead of buying items individually at retail price.
For some businesses, this could be the most cost-effective pricing, but for others, it may not so this is something worth taking into account when selecting a provider.
Your rates are charged at a percentage of each transaction you make or the cost of said transaction.
Some may charge you a flat rate regardless of the cost & what card is used whilst others may have varying rates.