Merchant Services / Interchange Plus Merchant Services, LLC

Interchange Plus Merchant Services, LLC is a payment processing provider founded in 2012, specializing in merchant accounts for standard, high-risk, and hard-to-place industries across B2B and B2C markets. Headquartered in San Diego, California, with locations in West Palm Beach, Florida, the company primarily operates as a registered Independent Sales Organization (ISO). [1, 2]

Core Business & Industries

The company focuses on providing payment processing solutions for: [1]

• High-Risk Industries: Businesses that traditionally struggle to get approved for standard merchant accounts.

• B2B & B2C Markets: Processing setups for both wholesale/corporate and retail-facing businesses. [1, 2]

Pricing Model & Services

The company builds its services around the interchange-plus pricing model. This model separates the actual wholesale costs set by credit card networks (Visa, Mastercard) from the processor's flat, institutional markup. This structure provides: [1, 2, 3]

• Transparency: Merchants can see exactly what portion of their fees go to the card-issuing bank and what portion goes to the processor.

• Potential Cost Savings: Particularly beneficial for high-volume processors and businesses handling lower-risk transactions, such as debit cards, where overall fees are minimized compared to flat-rate pricing.

• No Cancellation or Hidden Fees: They frequently market zero long-term contracts and no penalty fees for established merchants. [1, 2, 3, 4]