It's more than you think. >Interchange++ consists of the following components: >Interchange fee charged by the banks who issued the card >Scheme fee charged

It's more than you think. >Interchange++ consists of the following components: >Interchange fee charged by the banks who issued the card >Scheme fee charged by the card schemes >Applicable acquirer markup More than likely, you'll pay $0.12 + 1.7% interchange on average for card fees + 1.x% in Adyen's fees if you're a small business. It takes serious volume to get steep discounts, and the entire industry is full of snakes. If your business does enough volume, keep shopping around and pitting people against each other. I recently renegotiated our rate down to interchange + 2 basis points. (0.02%) along with very reasonable terminal fees, the whole process took several months. My advice? Focus on growing before optimizing these things.