High-volume processing

For high-volume merchants, small differences in pricing structure and fixed fees can materially impact total cost. A good evaluation looks beyond a single advertised rate and focuses on effective rate drivers and operational needs.

What matters most

Pricing structure: how markup is applied (basis points, per-transaction fees)
Fixed fees: PCI, gateway, statement fees, minimums
Card mix: rewards/corporate cards and card-present vs card-not-present
Funding: funding timeline and settlement reliability
Support: chargeback handling, reporting, and responsiveness

Practical evaluation approach

Calculate effective rate using actual statements
List every fixed monthly fee and per-transaction fee
Confirm assumptions about card-present vs card-not-present volume
Review chargeback/dispute workflow and timelines

Related: Interchange-plus, Pricing models

Compliance note: ClearRate Payments is not a bank. Payment processing services are provided through sponsoring banks and processing partners.