Demystify Tiered Pricing: Uncover Hidden Costs

Tiered pricing is a common credit card processing model that categorizes transactions into broad groups like 'qualified,' 'mid-qualified,' and 'non-qualified,' each with different, often opaque rates. While seemingly simple, this model frequently leads to less transparency and unexpected higher costs as transactions often 'downgrade' to more expensive tiers. Our analysis demystifies tiered statements to uncover these hidden costs and identify your true savings potential.

The Illusion of Simplicity in Tiered Pricing

In a tiered pricing model, your processor bundles hundreds of interchange rates into just a few categories, presenting a simplified rate structure (e.g., 1.59% for qualified, 2.49% for mid-qualified, 3.29% for non-qualified). The catch is that the processor decides which transactions fall into which tier, often without clear rules for the merchant. Transactions commonly "downgrade" from the lower-cost "qualified" tier to the more expensive "mid-qualified" or "non-qualified" tiers due to factors like card type (rewards, corporate), transaction method (keyed-in vs. swiped), or delayed batching. This lack of transparency makes it incredibly difficult for businesses to predict their monthly costs or identify where they are overpaying.

How Our Analysis Unmasks Tiered Pricing Traps

Our specialized merchant statement analysis is designed to dissect the complexities of tiered pricing and reveal your actual processing costs. We conduct a detailed audit to uncover:

Hidden
Downgrade
Costs:

Quantifying exactly how much you're losing due to transactions being reclassified into higher tiers.

Processor
Markup
Analysis:

Determining the true effective rate you're paying versus what's being remitted to the issuing banks.

Compare to
Transparent
Model:

Showing you precisely how much you could save by switching to a more transparent Interchange Plus model.

Key Benefits of Demystifying Tiered Pricing:

We transform your confusing tiered statement into a clear roadmap for savings.

Directly lower your monthly credit card processing expenses by eliminating hidden downgrade costs.

Significant Cost Reduction

Gain a clear understanding of every component of your processing fees.

True Cost Transparency

Retain more of your hard-earned revenue.

Increased Profitability

Armed with accurate data, you can negotiate better terms with your current processor or seek a more advantageous provider.

Empowered Negotiation

Don't let a "simple" pricing model secretly cost you more. Ready to uncover your true processing costs? Stop overpaying due to confusing tiered pricing. Contact us today to schedule your merchant statement analysis. Let us demystify your processing fees and help you unlock significant savings for your business.