What is a interchange fee?

A fee paid by the merchant's bank (the acquirer) to the customer's bank (the issuer) for every card transaction. It's the largest component of most processing fees.

Who uses one?

Businesses accepting online payments

What does it cost?

Pricing varies. The cheapest provider in our Top 11 starts around $—/mo. See the cheapest providers ranked.

How do I pick one?

Read the full methodology for our 9.4-point scoring framework, then look at the canonical The 11 Best Payment Gateways. If you want a slice of the ranking by price, fit, or compliance, jump to: cheapest · highest-rated · fastest onboarding.

Source: Top 11 The 11 Best Payment Gateways, verified June 9, 2026.