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IC++ Pricing Model

IC++ (Interchange plus plus) is one of the most competitive payment pricing models widely adopted across multiple business verticals in Europe, North America and other key regions. Its primary advantage is fair and transparent per-transaction price formation, directly aligned with the criteria set by major global payment networks, such as Mastercard and Visa.

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Overview

  • Transparency - Avoid hidden fees and see exactly what you are being charged
  • Specificity - Adjust your service offering to regional and segment characteristics
  • Meaningful insights - Use payment cost breakdown to guide your per-transaction fee optimisation

 

IC++ pricing model provides merchants and payment service providers worldwide with a better visibility and control of their acquiring and processing expenses. For each processed transaction IC++ pricing structure offers a detailed overview of cost distribution across three main components: Interchange fee, Card scheme fee (first ”plus”), Acquirer fee (second “plus”)

3 Main components

IC++ pricing model provides merchants and payment service providers worldwide with a better visibility and control of their acquiring and processing expenses. 

For each processed transaction IC++ pricing structure offers a detailed overview of cost distribution across three main components:

Interchange fee

The Interchange fee is charged by the cardholder's issuing bank. It is usually around 0.2-0.4% in Europe and 2% in the US. The cost may further vary depending on specific transaction details, such as:

  • Geographic location of the merchant and the cardholder's bank
  • Type of transaction (card-present, card-not-present, online payments, in-store POS payments)
  • Merchant’s industry
  • Payment card type (debit, credit, prepaid, premium, commercial, etc.)

Card scheme fee (first ”plus”)

Card scheme fee and the running cost of technology involved (technical transaction processing cost).

Acquirer fee (second “plus”)

Fixed margin added by the acquirer and collected for payment processing. The markup often varies between providers, but acquirers openly include this information in their pricing offers.


 

Example cost breakdown

Assume that a cardholder in Italy purchases € 100 worth of goods in a European online store using a consumer debit card issued by an EU based bank.

IC++0.2% indicates that the acquirer margin is 0.2% and the per-transaction fee paid by the merchant will be structured as follows:


 

How to start

If you are currently using one or more DECTA payment products, contact your account manager for more detailed information on our current pricing offers.

If you are new to DECTA payment products, please contact Sales to get a quote or learn more about our offers.