Flat-rate is a product, not a virtue
A single sticker is easy to sell and easy to understand. For a brand-new micro-merchant it can be fine. Once you have real volume — especially a debit-heavy counter — you are usually overpaying on the cheap cards to subsidize the expensive ones, plus the processor’s margin.
Interchange-plus is readable
You see the brand cost. You see our markup. A bookkeeper can audit it. That is why operators who have been burned by a ‘we’ll take care of it’ blended program ask for IC+ by name.
Dual pricing is the other honest structure
If you would rather not eat brand fees at all, post two prices. Cash (or debit-as-cash, depending on the program) gets the lower number. Card gets the card number. Done correctly, this is compliant and staff-simple on PayAnywhere hardware.
The decision is a statement, not a vibe
Send last month’s merchant statement. We model both structures. You pick. We do not need you to learn the vocabulary first.