Payment processing fees explained: interchange, markups and total cost
Last updated 21 September 2026
Educational overview of how processing fees are typically built, plus an explicit note that this product does not collect prices.
Explore providers
- Stripe — Global PSP / payments platform
- Adyen — Enterprise PSP / acquiring
- Checkout.com — Global PSP / enterprise payments
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Frequently asked questions
What is interchange?
Interchange is a fee typically paid toward the card-issuing side of a card transaction. It is set by card-network rules and varies by region, card product, and how the payment is authenticated. Exact rates are published by the networks, not by this radar.
Why doesn’t Payment Market Radar list processing fees?
The collector only extracts capability facts from public technical documentation. Pricing pages are commercial, change often, and are easy to misquote. The product therefore states that pricing is not collected rather than inventing a table.
Is blended pricing the same as interchange-plus?
No. Blended (or flat) pricing wraps several cost components into one rate. Interchange-plus usually shows network costs plus a stated acquirer markup. Which is cheaper depends on your mix of cards and countries; it is not something this site calculates.
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