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Savings
How Much Savings Can You Experience?

Merchant Focus guarantees we can save you money compared to your existing merchant account.

Here is a fee schedule from a typical processor offering "Two Tier Billing".

In addition to this typical fee schedule, please continue below this table for real Merchant Focus Premium merchants saving thousands of dollars a year since switching to our Interchange-Plus merchant accounts.

Typical Fee Schedules for eCommerce, MOTO, Auction Merchants processing between $20,000 - $50,000 per month:

 

Categories: Merchant Focus Typical Processor Fees:
VISA US Consumer Credit
Interchange-Plus 15 basis points
Visa: 1.80% + .15% = 1.95% 2.29% (Qualified)
MC US Consumer Credit
Interchange-Plus 15 basis points
MC: 1.89% + .15% = 2.04% 2.29% (Qualified)
VISA US Consumer Debit
Interchange-Plus 30 basis points
Visa: 0.05% + .30% = .35% 2.29% (Qualified)
MC US Consumer Debit
Interchange-Plus 30 basis points
MC: 0.05% + .30% = .35% 2.29% (Qualified)
VISA US Business Commercial
Interchange-Plus 30 basis points
Visa: 2.25% + .30% = 2.55% 3.99% (Non-Qualified)
MC US Business Corporate
Interchange-Plus 30 basis points
MC: 2.65% + .30% = 2.95% 3.99% (Non-Qualified)
Visa International
Interchange-Plus 15 basis points
Visa: 1.60% + .60% = 2.20% 3.99% (Non-Qualified)
MasterCard World
Interchange-Plus 60 basis points
MC: 1.60% + .60% = 2.20% 3.99% (Non-Qualified)
VISA Transaction Fee
Interchange-Plus $0.15 cents
Visa: $0.10 + $0.15 = $0.25 $0.30
MC Transaction Fee
Interchange-Plus $0.00 cents
MC: $0.10 + $0.15 = $0.25 $0.30
VISA Debit Transaction Fee
Interchange-Plus $0.00 cents
Visa: $0.21 + $0.15 = $0.36 $0.30
MC Debit Transaction Fee
Interchange-Plus $0.00 cents
MC: $0.21 + $0.15 = $0.36 $0.30
Deposit Details Gross Daily Settlement* Net Daily Settlement
Authorize.Net Payment Gateway Access Fee NO CHARGE $10.00 to $25.00 per month
Authorize.Net Transaction Fee First 250 trans free monthly, then $0.05 per transaction $0.05 from trans #1
Statement Fee NO CHARGE $0.00 to $10.00 per month
Service Fee NO CHARGE $0.00 to $10.00 per month
Batch Header Fee NO CHARGE $0.30
Annual Fee NO CHARGE $0.00 to $99.00 per year
Address Verification Fee NO CHARGE $0.05
Monthly Minimum NO CHARGE $25.00 per month
Termination Penalty NO CHARGE $0.00 to $250.00
Fraud Detection Suite (FDS): NO CHARGE $5.00 per month
Application (Set Up) Fee NO CHARGE $0.00 to $199.00
Chargeback Fee $15.00 per chargeback $25.00 per chargeback
American Express Transaction Fee $0.20 $0.30
American Express Rates Quoted Directly Quoted Directly
PCI Service Package NO CHARGE $15.00 per month
Up to $50,000 Breach Protection NO CHARGE Not Available through other Processors

*In addition to guaranteed savings, Merchant Focus features GROSS DAILY SETTLEMENT of Visa/MasterCard sales. This means 100% of your V/MC sales are deposited directly into your checking account each business day, making reconciliation of your checking account much easier. Only at the end of each month are your processing fees debited.

NOTE: Most processors offer NET DAILY SETTLEMENT where processing fees are debited before deposit, making reconciliation of your checking account much more difficult.

Sample Merchant: ECOMMERCE

This is an actual eCommerce merchant processing approximately $400,000 per month in VISA/MC sales. In addition to significant savings from their VISA/MC processing, we also eliminated their Statement Fee, Annual Fee, Address Verification Fee and Batch Header Fee.

Merchant Focus is saving this merchant approximately $900.00 per month!

ECOMMERCE Merchant Account Rates and Fees:
Interchange-Plus eCommerce: Merchant Focus Previous Proccessor
VISA US Consumer Credit (Card Not Present):
Interchange-Plus 15 basis points
Visa: 1.80% + .15% = 1.95% Previously Paying 2.49%
MC US Consumer Credit (Card Not Present):
Interchange-Plus 15 basis points
MC: 1.89% + .15% = 2.04% Previously Paying 2.49%
VISA US Consumer Debit (Card Not Present):
Interchange-Plus 25 basis points
Visa: 0.05% + .25% = 0.30% Previously Paying 2.49%
MC US Consumer Debit (Card Not Present):
Interchange-Plus 25 basis points
MC: 0.05% + .25% = 0.30% Previously Paying 2.49%
VISA US Business Commercial (Card Not Present):
Interchange-Plus 25 basis points
Visa: 2.25% + .25% = 2.50% Previously Paying 2.74%
MC US Business Corporate (Card Not Present):
Interchange-Plus 25 basis points
MC: 2.65% + .25% = 2.90% Previously Paying 3.25%
Credit Card Transaction Fee
Interchange-Plus $0.00 cents
Visa $0.10 + $0.00 = $0.10
MC $0.10 + $0.00 = $0.10
Previously Paying $0.00
Previously Paying $0.00
Debit Card Transaction Fee
Interchange-Plus $0.00 cents
Visa $0.21 + $0.00 = $0.21
MC $0.21 + $0.00 = $0.21
Previously Paying $0.00
Previously Paying $0.00
AmEx Transaction Fee $0.10 cents Previously Paying $0.10

Sample Merchant: RETAIL

This is an actual retail merchant processing approximately $65,000 per month in VISA/MC sales. In addition to significant saves from their VISA/MC processing, we also eliminated their Statement Fee, Annual Fee and Batch Header Fee.

Merchant Focus is saving this merchant approximately $250.00 per month!

RETAIL Merchant Account Rates and Fees:
Interchange-Plus eCommerce: Merchant Focus Previous Proccessor
VISA US Consumer Credit (Card Present):
Interchange-Plus 20 basis points
Visa: 1.51% + .20% = 1.71% Previously Paying 1.95%
MC US Consumer Credit (Card Present):
Interchange-Plus 20 basis points
MC: 1.58% + .20% = 1.78% Previously Paying 1.95%
VISA US Consumer Debit (Card Present):
Interchange-Plus 20 basis points
Visa: .05% + .20% = .25% Previously Paying 2.35%
MC US Consumer Debit (Card Present):
Interchange-Plus 20 basis points
MC: .05% + .20% = .25% Previously Paying 1.95%
VISA US Business Commercial (Card Present):
Interchange-Plus 20 basis points
Visa: 2.25% + .20% = 2.45% Previously Paying 4.29%
MC US Business Corporate (Card Present):
Interchange-Plus 20 basis points
MC: 2.65% + .20% = 2.85% Previously Paying 4.29%
Credit Card Transaction Fee
Interchange-Plus $0.10 cents
Visa $0.10 + $0.10 = $0.20
MC $0.10 + $0.10 = $0.20
Previously Paying $0.25
Previously Paying $0.25
Debit Card Transaction Fee
Interchange-Plus $0.10 cents
VISA $0.21 + $0.10 = $0.31 cents
MC $0.21 + $0.10 = $0.31 cents
AMEX $.20 Per Transaction
Previously Paying $0.25
Previously Paying $0.25
Previously Paying $0.25
Previously Paying $0.25

For a professional analysis of your current merchant account and a customized proposal, please complete our Statement Analysis Form and we will contact you promptly.