What is Interchange Optimization and Why It’s Costing You Thousands if Ignored

Most business owners don’t realize that they’re overpaying on every single credit card transaction. Interchange fees—the amount card brands and banks charge to process a payment—make up the bulk of your total processing costs. But these fees aren’t set in stone.

Enter: Interchange Optimization. This process strategically classifies transactions to reduce fees, especially for B2B payments. Without it, you could be missing out on serious savings.

Why It Matters:

• Some transactions qualify for lower rates, but most processors don’t automatically pass those savings to you.
• If you accept Level II or Level III data but don’t transmit the right info, you're leaving money on the table.

Pro Tip: Work with a processor that understands your industry and proactively optimizes every transaction. It can save your business tens of thousands annually.

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