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IC++ Pricing

IC++ (Interchange plus plus) is one of the most competitive payment pricing models. It is widely adopted across Europe, North America, and other key regions.

 

IC++ offers a fair and transparent per-transaction price formation that is directly aligned with criteria set by major global payment networks, such as Mastercard and Visa.

Explore related services:
Acquiring

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 provides better visibility and control of acquiring and processing expenses for merchants and payment service providers.

For each processed transaction IC++ offer a detailed overview of cost distribution across three main components: Interchange fee, Card scheme fee (first ”plus”), Acquirer fee (second “plus”)

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”)

A fixed margin added by the acquirer that is collected for payment processing. The markup can vary between providers, but acquirers will openly include this information within 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++0.3% indicates that the acquirer margin is 0.3% and the per-transaction fee paid by the merchant will be structured as follows:


 

How to start

Already using one or more DECTA payment products? Contact your account manager for more details of current pricing offers.

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