Pricing
Interchange-plus pricing, in plain numbers.
Moneybox uses interchange-plus pricing. You pay the card networks’ actual cost, plus our markup — a set percentage and a set cents per transaction. Both are on every statement. There are no “qualified / non-qualified” tiers, so your price doesn’t change based on which bucket a card falls into.
Cost, passed through
You pay the card networks’ interchange at cost, itemized on every statement.
One clear markup
A set percentage and set cents per transaction, listed on every statement — not buried.
No tier games
No “qualified / non-qualified” buckets that quietly move your cards into a pricier tier.
Where interchange-plus pricing saves you money
Flat-rate apps bundle interchange and their own margin into one round number, so you never see how much is cost and how much is markup. When your volume is small, that simplicity is fine. As you grow, the bundled rate starts charging you the same high percentage on debit cards and rewards cards that actually cost very different amounts to run — and the gap goes into the app’s pocket, not yours.
Interchange-plus pricing splits those apart. You see the real cost of each card and the one markup we add, so a month heavy on debit cards costs you less, automatically. That’s why interchange-plus pricing tends to win for businesses past roughly [~$5k–$15k/mo — see source] in card volume. We don’t publish a savings number, because yours depends on your card mix — we read it off your real statement and show you the dollars.
How interchange-plus works, in three sentences
Interchange is the non-negotiable cost the card networks and the issuing bank charge on every sale — it’s the same for every processor. On top of that, we add one clear markup: a fixed percentage plus a fixed per-transaction fee. Flat-rate apps bundle all of that into one big number and keep the spread; interchange-plus shows you the cost and the markup separately, so you can see exactly what you’re paying us.
Your fees, on one page
These are confirmed on your quote and on page one of your agreement. The bracketed items are filled in with your real numbers once we review your statement.
Every fee we charge is on this page and on page one of your agreement. If a card-brand or processor change affects your price, we tell you in writing before it reaches your statement. [notice period]
A worked sample statement
Here’s the shape of the comparison you’ll get back. The Moneybox column is filled from your real, anonymized statement — we don’t publish a made-up “savings” number. If you want to follow along on your own bill, our guide on how to read a merchant statement walks through each line. Sample business: [e.g. $20,000/mo, 400 transactions, $50 avg ticket, 85% card-present].
| Line | On a flat-rate app | On Moneybox (interchange-plus) |
|---|---|---|
| In-person rate | 2.6% + 15¢ (Square published, Oct 2026) | Interchange at cost + [markup] |
| Monthly volume | $20,000 | $20,000 |
| Card fees | $520 + $60 = $580 | [from your real statement] |
| Monthly fees | $0 stated | [$ monthly] |
| Instant-payout fee | 1.95% if used | Included, next business day |
| Total | $580 + any add-ons | [your total] |
Third-party benchmarks suggest interchange-plus usually starts saving money somewhere around [~$5k–$15k/mo — see source] in volume. We don’t publish that as a Moneybox promise — we show you the math from your own statement.
See your real number.
Send last month’s statement and we’ll fill in every bracket above with your actual cost — and tell you the difference in dollars.