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Merchant Account Rates and Fees

Our company endeavors to have the most competitive rates in the industry. Our rates start at 1.09% for Swiped Merchants and 1.79% for Keyed Merchants. Our rates and fees depend on the type of business you have, whether you are swiping cards or keying cards, which card types you are accepting, and more.

It is important to understand that varying rates will be applied to your processing activity as a function of the type of card, the manner in which the card is processed, and your adherence to required processing rules. To minimize your costs, it is in your best interests to ensure that you and your employees follow the procedures to ensure the lowest rates.

The lowest rate, and the rate you should receive most frequently, is your Qualified Rate. To receive the Qualified Rate on a given transaction, certain criteria apply including, but not limited to, swiping the card if you are a swiped merchant, or keying the card with Address Verification Service (AVS) if you are a keyed merchant. It is also essential that you close out (batch) your terminal each and every day.  If you wish we will program your terminal to automatically batch each day.

The Mid-Qualified Rate will apply to certain card types and is a rate you should expect to be assessed with some regularity. Our Mid-Qualified Rate is extremely competitive, and in many cases, our Mid-Qualified Rate is lower than other processors’ Qualified Rates.

The Non-Qualified Rate is a premium priced rate assigned to certain card types, such as cards issued by non-U.S. banks. In addition, if the merchant fails to batch daily, all card activity will be downgraded to this rate. To minimize costs, ALWAYS batch each and every day.

Specific criteria for the application of the above rates varies according to the rate plan we assign to your account. We always endeavor to assign a rate plan that best suits your processing profile, as you describe it to us. Plans can always be changed as a merchant experiences actual processing activity.

The best way to get you the most accurate quote for your business is to have our experts review your current processing statement.  Please fax your statement to (586) 569-4285 or email your statement to info@interlinkpayment.com.  There is no obligation or commitment.  We will let you know if there is a savings to come to Interlink Payment Systems or let you know your current processor is treating you well and have peace of mind your get the best deal on your credit processing.


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InterLink Payment Systems is a registered ISO of Wells Fargo Bank, N.A., Walnut Creek, CA