Interchange Optimization

Keep More from Each Eligible Sale

Lower costs behind every eligible transactions and qualify for lower interchange costs with smarter Level II/III optimization.

Your Profit Margin

More of each qualifying sale stays with your business.

Card Brand Fees

Variable network fees included in each transaction.

QPlus Rate

0.15% + 5¢

A clear program rate as low as 0.15% + 5¢, separated from pass-through card costs.

Interchange Costs

Where Level II/III optimization can help qualifying transactions cost less.

When the right transactions cost less, your business keeps more.

How QPlus Works

Lower your interchange costs without losing clarity

QPlus gives high-volume merchants a transparent pricing structure designed to reduce processing costs and improve interchange qualification.

Get Started

Monthly fee

$21

/month

Rates as low as

0.15%

+ 50¢ Per Transaction

Process at Wholesale-Based Rates

Get clear Interchange Plus pricing built for stronger cost control.

Lower Eligible Interchange Costs

Use Level II/III data to help qualifying transactions reach lower interchange categories.

Keep More of Every Sale

Reduce processing costs when your volume makes QPlus the better fit.

The Advantages of Choosing QPlus

The smarter choice for businesses processing higher volume.

Accept Every Payment Type

Handle in-person, online, invoicing, or keyed-in transactions with complete flexibility.

Interchange Optimization

Use Level II/III data enrichment to help lower interchange costs on eligible transactions.

Clearer Processing Costs

See the difference between interchange, assessments, and processor markup more clearly.

Full Payment Control

Choose how payments are collected, stored, and processed based on your business model.

Real-Time Visibility

Track transactions, reporting, and customer activity in one place.

Secure by Design

Protect payment data with tokenization, fraud tools, and PCI-compliant infrastructure.

Built for Higher Volume

Designed for merchants where small cost improvements can make a bigger impact.

No Hidden Fees

The rate you see is the rate you pay. No markups or surprise charges that raise your effective cost.

No Contracts, No Risk

No long-term commitments, hidden obligations, or cancellation fees.

The smarter, compliant way to get paid for businesses that value every dollar

Interchange Optimization

The Real Savings Are in the Margin

Flat-rate and tiered models can bundle costs into one simple number. QPlus separates pass-through card costs from the QPlus rate, giving higher-volume merchants a clearer way to see margin, compare costs, and identify where savings may be possible.

No Hidden Fees

Margin

Interchange Rate

Built for Merchants. Chosen by Agents.

The PayTech partner leading
businesses choose.

Quantum powers your profits, simplifies your operations, and strengthens customer relationships, with 5-star support that puts your business first.

Create Your Custom Plan

Find the Right Solution for Your Business

Build your solution and see exactly what you’ll pay in real time, or have a specialist analyze your current statement to uncover your profit potential.

Build My Solution

Contact Sales