How customers pay, the systems you use, and the services you need all shape your payment costs. NACCA helps you understand the components and compare the full arrangement.
Look at the whole picture. How charges are grouped and billed depends on your pricing model and agreement.
What shapes your costs
How customers pay
The systems you use
The services you need
These influence the charges below. They are not charges themselves.
Your payment costs
1Underlying card costs
Interchange and card-network costs reflected in your processing arrangement.
2Provider charges
Charges for the payment-processing services in your agreement.
Interchange-plus pricing shows parts 1 and 2 separately
Only where it applies
Your payment setup
Equipment, software, gateway, and other service costs, where applicable.
A simplified view, not to scale. It shows how costs are grouped, not how large each part is.
Two parts of the pricing conversation
Your processing costs. Your customers’ choices.
Your merchant-services pricing and the prices customers see serve different purposes. Review how they work together in your setup.
How your processing is priced
Interchange-plus pricing
NACCA primarily promotes interchange-plus pricing. This approach distinguishes underlying interchange and network costs from provider charges for payment-processing services.
That separation helps frame questions about the components of your cost. Review recurring charges and any equipment or software costs alongside transaction pricing.
Not every NACCA merchant uses this model. A pricing model alone does not guarantee savings.
Explore presenting available cash, bank/ACH, and card prices before payment. Consider the customer experience alongside invoicing, payment posting, and your processing arrangement.
Our QuickBooks page shows an illustrative invoice and explains the payment choices a supported setup can offer.
Options depend on your approved program and configuration. Pricing and disclosures require review; software and processing charges may still apply.
Nine questions. No statement upload or contact details required to see your result. The assessment does not establish eligibility, qualification, pricing, or savings.
Bring your questions
Let’s put the numbers in context.
Tell us how your business gets paid and what you want to understand about your pricing. We’ll help identify a practical next step.
