MOBOPAY® U.S. Payment Processing Pricing (Interchange-Plus).
MOBOPAY provides transparent interchange-plus payment processing for U.S. merchants. Your cost is the card network’s interchange (pass-through) plus a clear MOBOPAY markup. If you’re comparing flat-rate providers, this page explains the fee structure, the common U.S. add-ons (gateways, chargebacks), and how to get a real quote based on your statement and business model.
We’re not trying to “win” with a fake teaser rate. We’re trying to keep you live, funded (on approval), and fully informed, with pricing you can actually understand. For enhanced underwriting, see high-risk payment processing for U.S. businesses or our high-risk payment processing guide.
How U.S. Payment Processing Pricing Works.
In the U.S., credit card pricing can look confusing because different “cost buckets” exist. Here’s the clean way to think about it.
1) Interchange (Card Network Cost)
Interchange is the base cost set by Visa/Mastercard for each transaction type. It can change based on:
- Card type (debit, credit, rewards, business)
- How it’s accepted (in-person chip/tap vs keyed/online)
- Data quality (AVS match, CVV, 3DS for certain ecommerce)
- Industry category and risk profile
2) Processor Markup (MOBOPAY Fee)
This is the part you can negotiate and optimize. Depending on your model, markup might include:
- A small % over interchange (transparent)
- A per-transaction fee
- Gateway access (for ecommerce, subscriptions, or virtual terminal)
- Optional fraud tools / reporting add-ons
What a “Good” U.S. Fee Structure Looks Like.
U.S. merchants usually win when the pricing is transparent and the “gotchas” are clarified upfront.
In-Person (Retail / Services)
- Chip/tap acceptance for lower dispute risk
- Clear per-item fees and monthly fees disclosed
- Funding timeline confirmed in writing (on approval)
- Batch timing and cutoff rules explained
Ecommerce / Keyed / Virtual Terminal
- AVS/CVV rules configured properly
- Fraud filters and velocity rules enabled
- Tokenization for repeat customers
- Chargeback prevention plan (alerts/RDR where eligible)
Subscriptions / SaaS / Recurring
- Recurring billing logic and retry/dunning strategy
- Clear cancel/refund terms + billing descriptor alignment
- Reserve/holds disclosed up front when required
- Monitoring for volume spikes and risk triggers
Typical U.S. Fees (What You Should Ask Every Processor).
These are the items that create “surprise costs” if you don’t clarify them upfront. We disclose these before you sign.
| Fee Item | How It’s Usually Charged | What It Means |
|---|---|---|
| Processing (Core) | Interchange + markup | Transparent breakdown; varies by card mix and acceptance type. |
| Gateway / Ecommerce Tools | Monthly access and/or per-transaction | Used for online checkout, subscriptions, tokenization, reporting, fraud tools. |
| Chargeback Fee | Per dispute | Standard dispute handling fee; prevention tools can reduce volume. |
| PCI Program | Fee if non-compliant | Completing PCI requirements typically prevents non-compliance fees. |
| Monthly Account / Statement | Sometimes $0, sometimes monthly | Depends on platform and setup; should be disclosed before signing. |
| Reserve / Holds | Only if required by underwriting | Common in higher-risk categories; must be disclosed up front with release timeline. |
Interchange-Plus vs Flat-Rate in the U.S.
Flat-rate pricing can be convenient, but it’s often more expensive at scale and can come with risk controls that trigger holds. Interchange-plus gives you transparency and usually better long-term economics.
Why merchants like flat-rate
- Simple to understand on day one
- Quick onboarding for low-risk merchants
- Minimal “setup” work
Why interchange-plus wins long-term
- Clear breakdown of costs (interchange + markup)
- Better for higher volume and higher tickets
- More control over risk settings (AVS/CVV, tokenization, fraud rules)
- Pricing can be negotiated as you scale
📝Request a U.S. Pricing Quote or Statement Review
Fill out the form and we’ll confirm the cleanest pricing structure for your U.S. setup. If you upload a recent statement, we’ll calculate your true effective rate and show you the difference in plain language.
