Interchange‑Plus pricing for Boca Raton businesses
Pay the true card‑network rate plus a small, fixed markup — every line item explained. No bundled buckets, no surprise fees, no confusing statements. Built for Boca Raton merchants who want to know exactly what they’re paying.
- True interchange + small fixed markup — itemized monthly
- Most merchants save $200–$500/mo vs flat‑rate processing
- Free statement analysis with a real human, not a chatbot
Get my free rate analysis
Share a few details and we’ll send a side‑by‑side savings breakdown using your latest statement.
Boca Raton’s card mix is the worst in South Florida for flat‑rate plans, which means it’s the best for Interchange‑Plus. Mizner Park dining, Royal Palm Place retail, and Boca Pointe professional service tickets skew heavily toward rewards cards — AMEX Platinum, Chase Sapphire Reserve, Visa Infinite — all of which carry 2.4%+ in real interchange cost. On a flat 2.9% plan, you’re subsidizing those transactions at a small margin and absolutely getting hosed on the 30%+ of your volume that’s regulated debit. Interchange‑Plus prices each transaction against its actual cost. We pull three months of statements, run them against the published Visa/Mastercard interchange tables, and quote a fixed markup. For East Boca merchants over $75k/month, monthly savings of $500–$1,200 are typical, with a statement clean enough to reconcile against your books without a second tab.
See exactly what you’re really paying.
Three simple, no‑pressure steps. We do the math, you decide if switching makes sense.
1 · Free statement analysis
Send your latest statement. We translate the bundled buckets, qualified/non‑qualified rate stacks, and junk fees into plain English.
2 · Side‑by‑side rate quote
A clean Interchange‑Plus quote tied to your real volume mix. You see your effective rate today vs. effective rate with us.
3 · You decide
If switching saves money, we handle it. If your current rates are already good, we’ll say so — we’d rather you trust us next time than switch you for nothing.
Built for the way you actually run your business.
True cost — no markups in disguise
You pay the network rate (Visa/Mastercard set it) plus a small, transparent markup. No tiered shell games. No surcharges hidden as ‘network fees’.
Itemized monthly statements
Every line is labelled. PCI fees, batch fees, monthly minimums — all called out, not buried.
Predictable margin — predictable cash flow
Once you know the markup, you can model exactly what processing costs at any volume. Helpful for pricing, hiring, and forecasting.
Tools for every way you take payments.
Countertop & in‑store
Modern terminals, inventory tools, and receipts that keep lines moving, free installation on most setups.
Mobile & handheld
Take payments tableside, curbside, or in the field with compact wireless terminals.
Online & invoicing
Branded checkout, recurring billing, and one‑click invoices on your domain.
Self‑checkout kiosks
Faster self‑service ordering during your busiest hours, without adding more staff.
In their own words.
“In‑person transactions are fast and reliable, reconciliation is clean, and our overall processing costs dropped.”
“They redesigned our entire payment flow. Reduced costs, eliminated inefficiencies, and handled volume spikes without issues.”
“Proper Solutions completely changed the way we handle payments at Bulgaryo Miami. They lowered our processing costs, improved our checkout experience, and are always available when we need support.”
You asked, we answered.
Flat‑rate (like Square’s 2.6% + 10¢) bundles the network fee and the processor markup into one number — convenient, but you pay the same rate for low‑cost debit and high‑cost rewards cards. Interchange‑Plus charges the actual network rate plus a small fixed markup, so you only pay more when the card actually costs more.
Flat‑rate processors price for the worst card in your mix. If most of your volume is debit or basic credit, you’re subsidizing other merchants’ rewards transactions.
Your markup is fixed. Your effective rate moves slightly with your card mix — more rewards cards in a month means slightly higher cost, more debit means lower. Most merchants see less than 0.1% variation.
We review your existing agreement and, where it makes sense, help offset cancellation fees once savings start. We’ll never push you to break a contract that doesn’t pay back.