Transparent, Fair Payment Processing

 

At Apex, we believe in keeping payment processing simple, honest, and cost-effective. That’s why we use Interchange Plus Pricing the most transparent model in the industry.

What Is Interchange Plus Pricing?

 

Instead of confusing “tiered” or “bundled” rates, interchange plus separates your processing costs into three clear parts:

  1. Interchange Fee – Set by the card brands and paid to the cardholder’s bank.
  2. Assessment Fee – A small percentage charged by the card networks.
  3. Processor Markup – A flat, transparent fee from Apex powered by Beacon.

This way, you see exactly what you’re paying for every transaction—no hidden fees, no surprises.

How It Works (Example)

 

For a $100 sale using a consumer credit card:

  • Interchange: ~1.65% + $0.10 = $1.75
  • Network Assessment: ~0.11% = $0.11
  • Processor Markup: 0.20% + $0.10 = $0.30
  • Total Cost: $2.16 (2.16%)

Most of that goes directly to the cardholder’s bank and network. Our markup is small and fixed—keeping things fair and competitive.

Benefits of Interchange Plus

 

  • Transparency – Every fee is itemized on your monthly statement.
  • Fairness – You pay the true cost of each transaction—never inflated rates.
  • Cost Savings – Especially for debit and non-rewards card sales.
  • Flexibility – Rates adjust automatically by card type and method, ensuring you always get the best deal.

 

Sample Interchange Rates (2025 Estimates)

 

Debit Card (Card-Present):

  • Regulated PIN Debit: 0.05% + $0.22
  • Standard Debit: 0.80% – 1.05% + $0.15 – $0.22

Credit Card (Card-Present):

  • Consumer Credit (Chip): 1.51% – 1.65% + $0.10
  • Business / Rewards Cards: 2.05% – 2.65% + $0.10
  • Corporate / Keyed Entries: Up to 3.15% + $0.10

Actual rates vary by card type, method, and industry

Why Choose Apex 

 

  • ✅ True Interchange-Plus Pricing – No blended or hidden rates
  • ✅ Clear Markup – Flat, transparent processor fee
  • ✅ Modern Technology – EMV, NFC, and mobile wallet compatible
  • ✅ 24/7 U.S.-Based Support – Real people, real help anytime
  • ✅ Custom Fit Solutions – Tailored to your business and industry