{"id":88204,"date":"2026-01-30T17:01:19","date_gmt":"2026-01-30T16:01:19","guid":{"rendered":"https:\/\/invoicefly.com\/?p=88204"},"modified":"2026-02-13T11:24:15","modified_gmt":"2026-02-13T10:24:15","slug":"tasa-de-intercambio","status":"publish","type":"post","link":"https:\/\/invoicefly.com\/es\/academy\/interchange-fee\/","title":{"rendered":"Explicaci\u00f3n de la tasa de intercambio: C\u00f3mo funcionan las tasas de pago con tarjeta para los comerciantes"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"88204\" class=\"elementor elementor-88204\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4df67d88 e-flex e-con-boxed e-con e-parent\" data-id=\"4df67d88\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2f4ac181 elementor-widget elementor-widget-text-editor\" data-id=\"2f4ac181\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t\n<p>An interchange fee is a charge businesses pay every time a customer uses a credit or debit card. This fee moves from the merchant\u2019s bank (the acquiring bank) to the customer\u2019s bank (the issuing bank) and helps cover costs such as fraud prevention, transaction authorization, network security, and cardholder rewards programs.<\/p>\n\n\n\n<p>Because interchange fees vary by card type, transaction method, industry, and card network, they often represent the largest portion of total card processing fees. For merchants that rely on card payments, understanding interchange fees is critical for protecting margins, managing cash flow, and making informed pricing decisions.<\/p>\n\n\n\n<p>This guide will cover:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>What interchange fees are and why they exist<\/li>\n\n\n\n<li>Who sets fees and how rates differ<\/li>\n\n\n\n<li>How fees are calculated<\/li>\n\n\n\n<li>How fees affect accounting and cash flow<\/li>\n\n\n\n<li>Practical ways businesses can reduce interchange-related costs<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-interchange-fees\"><strong>What Are Interchange Fees?<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/invoicefly.com\/wp-content\/uploads\/2026\/01\/merchant-nfc-card-payment-terminal.jpg\" alt=\"Customer paying with NFC card at a retail checkout terminal\" class=\"wp-image-88205\" srcset=\"https:\/\/invoicefly.com\/wp-content\/uploads\/2026\/01\/merchant-nfc-card-payment-terminal.jpg 1000w, https:\/\/invoicefly.com\/wp-content\/uploads\/2026\/01\/merchant-nfc-card-payment-terminal-300x200.jpg 300w, https:\/\/invoicefly.com\/wp-content\/uploads\/2026\/01\/merchant-nfc-card-payment-terminal-768x512.jpg 768w, https:\/\/invoicefly.com\/wp-content\/uploads\/2026\/01\/merchant-nfc-card-payment-terminal-710x474.jpg 710w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<p>Interchange fees are wholesale fees embedded in every card transaction. While merchants don\u2019t pay these fees directly to banks, they are passed through by payment processors as part of total processing costs.<\/p>\n\n\n\n<p>Interchange fees apply to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Credit card payments<\/li>\n\n\n\n<li>Debit card payments<\/li>\n\n\n\n<li>In-person, online, and mobile transactions<\/li>\n<\/ul>\n\n\n\n<p>Each payment is recorded as part of your business<a href=\"https:\/\/invoicefly.com\/academy\/transactions\/\"> transactions<\/a> and categorized based on how it is processed and the level of risk involved.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-why-do-interchange-fees-exist\"><strong>Why Do Interchange Fees Exist?<\/strong><\/h3>\n\n\n\n<p>Interchange fees exist to compensate issuing banks for the costs they take on when cards are used, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Fraud monitoring and reimbursement<\/li>\n\n\n\n<li>Chargeback handling<\/li>\n\n\n\n<li>Card issuance and account servicing<\/li>\n\n\n\n<li>Payment network infrastructure<\/li>\n\n\n\n<li>Funding rewards programs<\/li>\n<\/ul>\n\n\n\n<p>Without interchange fees, banks would need to recover these costs through higher cardholder fees or reduced card benefits.<\/p>\n\n\n\n<p><strong>Before we go further: <\/strong>When invoices, payments, and deposits don\u2019t align, interchange fees become difficult to trace. Using a structured <a href=\"https:\/\/invoicefly.com\/product\/invoicing-software\/\">invoicing process<\/a> makes it easier to understand how card fees affect revenue.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-who-sets-interchange-fees\"><strong>Who Sets Interchange Fees?<\/strong><\/h2>\n\n\n\n<p>Interchange fees are set by card networks, not by merchants or payment processors. Each network publishes detailed interchange schedules covering hundreds of transaction scenarios.<\/p>\n\n\n\n<p>Rates change due to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Fraud trends<\/li>\n\n\n\n<li>Regulatory oversight<\/li>\n\n\n\n<li>Legal settlements<\/li>\n\n\n\n<li>Shifts in consumer payment behavior<\/li>\n<\/ul>\n\n\n\n<p>Although cardholders don\u2019t see interchange fees on receipts, these fees influence rewards programs, interest rates, and which cards merchants prefer to accept.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-are-interchange-fees-calculated\"><strong>How Are Interchange Fees Calculated?<\/strong><\/h2>\n\n\n\n<p>Most interchange fees follow the same structure:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A percentage of the transaction amount<\/li>\n\n\n\n<li>Plus a fixed per-transaction fee<\/li>\n<\/ul>\n\n\n\n<p>The final rate depends on several factors:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Card brand and card type<\/li>\n\n\n\n<li>Debit vs. credit<\/li>\n\n\n\n<li>Consumer vs. commercial cards<\/li>\n\n\n\n<li>In-person vs. online transactions<\/li>\n\n\n\n<li>Merchant industry classification<\/li>\n<\/ul>\n\n\n\n<p>For debit card transactions, interchange fees may be capped when the issuing bank holds more than $10 billion in assets. In these cases, the fee is limited to a base amount plus a small percentage of the transaction, which typically makes regulated debit payments cheaper than credit cards for merchants.&nbsp;<\/p>\n\n\n\n<p>These limits are defined under<a href=\"https:\/\/www.federalreserve.gov\/paymentsystems\/regii-average-interchange-fee.htm\" target=\"_blank\" rel=\"noreferrer noopener\"> Federal Reserve Regulation II debit interchange rules<\/a> and are one reason many businesses encourage debit or bank-based payments at checkout.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-visa\"><strong>Visa<\/strong><\/h3>\n\n\n\n<p>Visa interchange fees vary based on:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Credit vs. debit cards<\/li>\n\n\n\n<li>Consumer vs. business cards<\/li>\n\n\n\n<li>Card-present vs. card-not-present transactions<\/li>\n\n\n\n<li>Merchant category codes<\/li>\n<\/ul>\n\n\n\n<p><a href=\"https:\/\/usa.visa.com\/support\/small-business\/regulations-fees.html\" target=\"_blank\" rel=\"noreferrer noopener\">Visa<\/a> outlines how interchange rates change based on factors like transaction method, card type, and merchant category, helping businesses understand why in-person, online, and industry-specific payments are priced differently.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-mastercard\"><strong>Mastercard<\/strong><\/h3>\n\n\n\n<p><a href=\"https:\/\/www.mastercard.com\/us\/en\/business\/support\/merchant-interchange-rates.html\" target=\"_blank\" rel=\"noreferrer noopener\">Mastercard<\/a> uses a similar structure but maintains its own interchange categories and thresholds. Even small differences between Visa and Mastercard rates can materially affect businesses processing high volumes.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-discover\"><strong>Discover<\/strong><\/h3>\n\n\n\n<p><a href=\"https:\/\/www.discover.com\/credit-cards\/card-smarts\/what-are-credit-card-processing-fees\/\" target=\"_blank\" rel=\"noreferrer noopener\">Discover<\/a> sets its own interchange schedules, separate from Visa and Mastercard, which means rates can differ depending on transaction type and merchant category.\u00a0<\/p>\n\n\n\n<p>The network has also been involved in interchange fee class action settlements, increasing merchant attention on how processing costs are disclosed and passed through.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-american-express\"><strong>American Express<\/strong><\/h3>\n\n\n\n<p>American Express does not publish traditional interchange fees. Instead, it charges a<a href=\"https:\/\/www.americanexpress.com\/ca\/en\/merchant\/wholesale-discount-rate.html\" target=\"_blank\" rel=\"noreferrer noopener\"> wholesale discount rate<\/a> that bundles issuing, network, and processing costs into a single percentage.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-credit-card-vs-debit-card-interchange-fees\"><strong>Credit Card vs. Debit Card Interchange Fees<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/invoicefly.com\/wp-content\/uploads\/2026\/01\/receipt-and-transaction-fees-close-up.jpg\" alt=\"Receipt showing transaction details and payment amount\" class=\"wp-image-88206\" srcset=\"https:\/\/invoicefly.com\/wp-content\/uploads\/2026\/01\/receipt-and-transaction-fees-close-up.jpg 1000w, https:\/\/invoicefly.com\/wp-content\/uploads\/2026\/01\/receipt-and-transaction-fees-close-up-300x200.jpg 300w, https:\/\/invoicefly.com\/wp-content\/uploads\/2026\/01\/receipt-and-transaction-fees-close-up-768x512.jpg 768w, https:\/\/invoicefly.com\/wp-content\/uploads\/2026\/01\/receipt-and-transaction-fees-close-up-710x474.jpg 710w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<p>Credit card interchange fees are typically higher because credit transactions:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Carry higher fraud risk<\/li>\n\n\n\n<li>Fund rewards and loyalty programs<\/li>\n\n\n\n<li>Involve unsecured lending<\/li>\n<\/ul>\n\n\n\n<p>Debit card interchange fees are generally lower, especially for regulated transactions. Encouraging debit payments or<a href=\"https:\/\/invoicefly.com\/academy\/ach-payment\/\"> ACH payments<\/a> can significantly reduce processing costs over time.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-interchange-pricing-models\"><strong>Interchange Pricing Models<\/strong><\/h2>\n\n\n\n<p>How interchange fees show up on your processing statement depends on the pricing model your payment processor uses. While the underlying interchange rates are set by card networks, the pricing structure determines how clearly those fees are passed through to your business.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-interchange-plus-pricing\"><strong>Interchange-Plus Pricing<\/strong><\/h3>\n\n\n\n<p>Interchange-plus pricing separates costs into two parts:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The actual interchange fee set by the card network<\/li>\n\n\n\n<li>A fixed markup charged by your processor<br><\/li>\n<\/ul>\n\n\n\n<p>This model offers the most transparency. You can see exactly what you\u2019re paying in interchange versus what your processor earns. It\u2019s often preferred by businesses that want to analyze fees, compare processors, or control costs as volume grows.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-flat-rate-pricing\"><strong>Flat-Rate Pricing<\/strong><\/h3>\n\n\n\n<p>Flat-rate pricing combines:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Interchange fees<\/li>\n\n\n\n<li>Network assessments<\/li>\n\n\n\n<li>Processor fees<\/li>\n<\/ul>\n\n\n\n<p>into one single percentage.<\/p>\n\n\n\n<p>This approach is simple and predictable, which can be appealing for new or low-volume businesses. However, it may result in higher costs for low-risk transactions because all payments are priced the same, regardless of their actual interchange rate.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-tiered-pricing\"><strong>Tiered Pricing<\/strong><\/h3>\n\n\n\n<p>Tiered pricing groups transactions into broad categories, such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Qualified<\/li>\n\n\n\n<li>Mid-qualified<\/li>\n\n\n\n<li>Non-qualified<\/li>\n<\/ul>\n\n\n\n<p>Each tier has its own rate, but the criteria for these categories are often unclear. Because transactions are bundled together, it can be difficult to see which interchange fees apply and why certain payments cost more than others.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-interchange-pricing-model-comparison\"><strong>Interchange Pricing Model Comparison<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Pricing Model<\/strong><\/td><td><strong>How Fees Are Shown<\/strong><\/td><td><strong>Transparency<\/strong><\/td><td><strong>Best For<\/strong><\/td><\/tr><tr><td><strong>Interchange-Plus<\/strong><\/td><td>Interchange fees listed separately from processor markup<\/td><td>High<\/td><td>Businesses that want clear visibility into true processing costs<\/td><\/tr><tr><td><strong>Flat-Rate<\/strong><\/td><td>One blended rate for all transactions<\/td><td>Medium<\/td><td>New or low-volume businesses prioritizing simplicity<\/td><\/tr><tr><td><strong>Tiered<\/strong><\/td><td>Transactions grouped into broad pricing tiers<\/td><td>Low<\/td><td>Businesses that prefer predictable rates but don\u2019t need fee detail<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-interchange-fees-work-in-practice\"><strong>How Interchange Fees Work in Practice<\/strong><\/h2>\n\n\n\n<p>A typical card transaction follows this sequence:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>A customer pays with a card<\/li>\n\n\n\n<li>The transaction routes through the card network<\/li>\n\n\n\n<li>The issuing bank approves the payment<\/li>\n\n\n\n<li>The acquiring bank pays the issuing bank minus interchange<\/li>\n\n\n\n<li>The merchant receives funds after fees<\/li>\n<\/ol>\n\n\n\n<p>Using structured<a href=\"https:\/\/invoicefly.com\/academy\/invoice-payments\/\"> invoice payments<\/a> and a <a href=\"https:\/\/invoicefly.com\/glossary\/payment-portal\/\">payment portal<\/a> helps connect each transaction back to a specific invoice.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-interchange-fees-affect-accounting\"><strong>How Interchange Fees Affect Accounting<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/invoicefly.com\/wp-content\/uploads\/2026\/01\/business-accounting-desk-laptop.jpg\" alt=\"Business accounting workspace with laptop and financial documents\" class=\"wp-image-88207\" srcset=\"https:\/\/invoicefly.com\/wp-content\/uploads\/2026\/01\/business-accounting-desk-laptop.jpg 1000w, https:\/\/invoicefly.com\/wp-content\/uploads\/2026\/01\/business-accounting-desk-laptop-300x200.jpg 300w, https:\/\/invoicefly.com\/wp-content\/uploads\/2026\/01\/business-accounting-desk-laptop-768x512.jpg 768w, https:\/\/invoicefly.com\/wp-content\/uploads\/2026\/01\/business-accounting-desk-laptop-710x474.jpg 710w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<p>Every interchange fee affects how revenue and expenses are recorded. Fees must be reflected properly in:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The<a href=\"https:\/\/invoicefly.com\/academy\/ledger\/\"> general ledger<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/invoicefly.com\/academy\/journal-entry-accounting\/\">Journal entry accounting<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/invoicefly.com\/academy\/financial-accounting\/\">Financial accounting<\/a> reports<\/li>\n<\/ul>\n\n\n\n<p>Businesses using<a href=\"https:\/\/invoicefly.com\/academy\/double-entry-accounting\/\"> double-entry accounting<\/a> must ensure processing fees are recorded as operating expenses.<\/p>\n\n\n\n<p>Understanding<a href=\"https:\/\/invoicefly.com\/academy\/what-do-accountants-do\/\"> what accountants do<\/a> also helps business owners see why accurate fee classification matters for compliance and reporting.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-interchange-fees-and-accounting-methods\"><strong>Interchange Fees and Accounting Methods<\/strong><\/h2>\n\n\n\n<p>Interchange fees are operating expenses. How they\u2019re recorded depends on your accounting method:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Under<a href=\"https:\/\/invoicefly.com\/academy\/accrual-basis-accounting\/\"> accrual basis accounting<\/a>, fees are recorded when incurred<\/li>\n\n\n\n<li>Under cash accounting, fees are recorded when paid<\/li>\n<\/ul>\n\n\n\n<p>The IRS also provides guidance on how businesses should <a href=\"https:\/\/www.irs.gov\/businesses\/small-businesses-self-employed\/how-should-i-record-my-business-transactions\" target=\"_blank\" rel=\"noreferrer noopener\">record transactions<\/a>, including documenting payment fees as ordinary expenses and keeping consistent records that support accurate tax reporting and audits.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-interchange-fees-assets-and-financial-statements\"><strong>Interchange Fees, Assets, and Financial Statements<\/strong><\/h2>\n\n\n\n<p>Processing fees reduce net income and affect:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cash balances on the <a href=\"https:\/\/invoicefly.com\/glossary\/balance-sheet-definition\/\">balance sheet<\/a>, since card fees are deducted before funds reach your bank account<br><\/li>\n\n\n\n<li>Long-term <a href=\"https:\/\/invoicefly.com\/academy\/how-to-create-financial-projections\/\">financial projections<\/a>, where recurring processing costs can materially change profit forecasts<br><\/li>\n\n\n\n<li>Decisions around <a href=\"https:\/\/invoicefly.com\/academy\/business-structure\/\">business structure<\/a>, especially when comparing tax treatment and operating costs across entities<\/li>\n<\/ul>\n\n\n\n<p>Fees also influence how businesses manage <a href=\"https:\/\/invoicefly.com\/academy\/assets-and-liabilities-guide\/\">assets and liabilities<\/a>, track <a href=\"https:\/\/invoicefly.com\/academy\/fixed-assets\/\">fixed assets<\/a>, and allocate costs correctly through <a href=\"https:\/\/invoicefly.com\/academy\/amortization-vs-depreciation\/\">amortization vs. depreciation<\/a>, ensuring financial statements reflect the true cost of accepting card payments.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-businesses-can-reduce-interchange-fees\"><strong>How Businesses Can Reduce Interchange Fees<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/invoicefly.com\/wp-content\/uploads\/2026\/01\/small-business-owner-cash-flow-review.jpg\" alt=\"Small business owner reviewing shop finances and cash flow\" class=\"wp-image-88208\" srcset=\"https:\/\/invoicefly.com\/wp-content\/uploads\/2026\/01\/small-business-owner-cash-flow-review.jpg 1000w, https:\/\/invoicefly.com\/wp-content\/uploads\/2026\/01\/small-business-owner-cash-flow-review-300x200.jpg 300w, https:\/\/invoicefly.com\/wp-content\/uploads\/2026\/01\/small-business-owner-cash-flow-review-768x512.jpg 768w, https:\/\/invoicefly.com\/wp-content\/uploads\/2026\/01\/small-business-owner-cash-flow-review-710x474.jpg 710w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<p>While interchange rates aren\u2019t negotiable, merchants can reduce their impact by:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Using EMV terminals<\/li>\n\n\n\n<li>Avoiding keyed transactions<\/li>\n\n\n\n<li>Offering lower-cost bank transfers<\/li>\n\n\n\n<li>Setting clear<a href=\"https:\/\/invoicefly.com\/academy\/billing-cycles-explained\/\"> billing cycles<\/a><\/li>\n\n\n\n<li>Issuing proper<a href=\"https:\/\/invoicefly.com\/academy\/how-to-write-receipt-of-payment\/\"> receipts of payment<\/a><\/li>\n\n\n\n<li>Using defined<a href=\"https:\/\/invoicefly.com\/academy\/net-30-vs-net-60-payment-terms\/\"> net 30 vs net 60 payment terms<\/a><\/li>\n\n\n\n<li>Improving<a href=\"https:\/\/invoicefly.com\/academy\/when-to-send-invoices\/\"> invoice timing<\/a><\/li>\n\n\n\n<li>Applying consistent<a href=\"https:\/\/invoicefly.com\/academy\/follow-up-on-unpaid-invoices\/\"> follow-up on unpaid invoices<\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-interchange-fees-and-cash-flow\"><strong>Interchange Fees and Cash Flow<\/strong><\/h2>\n\n\n\n<p>Interchange fees reduce the net amount deposited into your account on every card transaction. Because these fees are deducted before funds settle, they can quietly compress available cash, mostly for businesses with thin margins or high card volume. Over time, this can contribute to<a href=\"https:\/\/invoicefly.com\/academy\/cash-flow-problems\/\"> cash flow problems<\/a> if fees aren\u2019t tracked consistently.<\/p>\n\n\n\n<p>Reviewing processing fees alongside your<a href=\"https:\/\/invoicefly.com\/academy\/small-business-bank-account\/\"> small business bank account<\/a> activity helps improve liquidity planning by:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Identifying the true net cash received from card sales<\/li>\n\n\n\n<li>Spotting weeks or months where higher card usage reduced available working capital<\/li>\n\n\n\n<li>Adjusting invoice timing or payment methods to smooth cash inflows<\/li>\n<\/ul>\n\n\n\n<p>When interchange costs are monitored as part of regular cash reviews, businesses are better positioned to plan expenses, avoid short-term shortfalls, and maintain predictable operating cash.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-ready-to-manage-interchange-fees-with-confidence\"><strong>Ready to Manage Interchange Fees With Confidence?<\/strong><\/h2>\n\n\n\n<p>Interchange fees are unavoidable, but confusion isn\u2019t. When invoicing and payments work together, businesses can see exactly how processing fees affect each transaction and overall cash flow.&nbsp;Tools like Invoice Fly<a href=\"https:\/\/invoicefly.com\/product\/online-payments\/\"> online payments<\/a> help merchants accept cards while maintaining clearer records of fees, settlements, and net revenue.<\/p>\n\n\n\n<p><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7a40e216 e-flex e-con-boxed e-con e-parent\" data-id=\"7a40e216\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-57cec682 elementor-widget elementor-widget-heading\" data-id=\"57cec682\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-696c1855 e-flex e-con-boxed e-con e-parent\" data-id=\"696c1855\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-34bbb881 elementor-widget__width-initial elementor-widget elementor-widget-elementskit-accordion\" data-id=\"34bbb881\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-69d0d31b8bbf6\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-34bbb881\">\n                        <a href=\"#collapse-8065b3c69d0d31b8bbf6\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-8065b3c69d0d31b8bbf6\" aria-expanded=\"true\" aria-controls=\"Collapse-8065b3c69d0d31b8bbf6\">\n                            \n                            <span class=\"ekit-accordion-title\">1. Why do merchants pay interchange fees?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-8065b3c69d0d31b8bbf6\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-34bbb881\" data-parent=\"#accordion-69d0d31b8bbf6\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Because issuing banks assume fraud risk, authorization costs, and servicing responsibilities.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-34bbb881\">\n                        <a href=\"#collapse-d5b379969d0d31b8bbf6\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-d5b379969d0d31b8bbf6\" aria-expanded=\"true\" aria-controls=\"Collapse-d5b379969d0d31b8bbf6\">\n                            \n                            <span class=\"ekit-accordion-title\">2. How can businesses avoid interchange fees?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-d5b379969d0d31b8bbf6\" class=\" show collapse\" aria-labelledby=\"primaryHeading-1-34bbb881\" data-parent=\"#accordion-69d0d31b8bbf6\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>They can\u2019t eliminate them entirely, but they can reduce reliance on cards by offering ACH and debit payments.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-34bbb881\">\n                        <a href=\"#collapse-cd09c8369d0d31b8bbf6\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-cd09c8369d0d31b8bbf6\" aria-expanded=\"true\" aria-controls=\"Collapse-cd09c8369d0d31b8bbf6\">\n                            \n                            <span class=\"ekit-accordion-title\">3. Why are businesses charging 3% to use a credit card?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-cd09c8369d0d31b8bbf6\" class=\" show collapse\" aria-labelledby=\"primaryHeading-2-34bbb881\" data-parent=\"#accordion-69d0d31b8bbf6\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Some businesses apply surcharges to offset processing costs where legally permitted.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-3-34bbb881\">\n                        <a href=\"#collapse-460c24b69d0d31b8bbf6\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-460c24b69d0d31b8bbf6\" aria-expanded=\"true\" aria-controls=\"Collapse-460c24b69d0d31b8bbf6\">\n                            \n                            <span class=\"ekit-accordion-title\">4. Who benefits from interchange fees?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-460c24b69d0d31b8bbf6\" class=\" show collapse\" aria-labelledby=\"primaryHeading-3-34bbb881\" data-parent=\"#accordion-69d0d31b8bbf6\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Issuing banks benefit directly, while cardholders benefit through rewards programs.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-4-34bbb881\">\n                        <a href=\"#collapse-10f451369d0d31b8bbf6\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-10f451369d0d31b8bbf6\" aria-expanded=\"true\" aria-controls=\"Collapse-10f451369d0d31b8bbf6\">\n                            \n                            <span class=\"ekit-accordion-title\">5. Which bank does not charge international transaction fees?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-10f451369d0d31b8bbf6\" class=\" show collapse\" aria-labelledby=\"primaryHeading-4-34bbb881\" data-parent=\"#accordion-69d0d31b8bbf6\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Some banks waive foreign transaction fees, but interchange fees still apply at the network level.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                                        <script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"1. Why do merchants pay interchange fees?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Because issuing banks assume fraud risk, authorization costs, and servicing responsibilities.<\/p>\"}},{\"@type\":\"Question\",\"name\":\"2. How can businesses avoid interchange fees?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>They can\u2019t eliminate them entirely, but they can reduce reliance on cards by offering ACH and debit payments.<\/p>\"}},{\"@type\":\"Question\",\"name\":\"3. Why are businesses charging 3% to use a credit card?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Some businesses apply surcharges to offset processing costs where legally permitted.<\/p>\"}},{\"@type\":\"Question\",\"name\":\"4. Who benefits from interchange fees?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Issuing banks benefit directly, while cardholders benefit through rewards programs.<\/p>\"}},{\"@type\":\"Question\",\"name\":\"5. Which bank does not charge international transaction fees?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Some banks waive foreign transaction fees, but interchange fees still apply at the network level.<\/p>\"}}]}<\/script>\n                                <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>An interchange fee is a charge businesses pay every time a customer uses a credit or debit card. This fee moves from the merchant\u2019s bank (the acquiring bank) to the customer\u2019s bank (the issuing bank) and helps cover costs such as fraud prevention, transaction authorization, network security, and cardholder rewards programs. Because interchange fees vary [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":88283,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[158,156],"tags":[],"ppma_author":[101],"class_list":["post-88204","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-management","category-manage-your-business","author-ellie-mckenna"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.8 (Yoast SEO v25.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Interchange Fee Explained: Rates, Examples, and Merchant Costs &#8211; Invoice Fly<\/title>\n<meta name=\"description\" content=\"Learn what an interchange fee is, how Visa and Mastercard set rates, why merchants pay them, and how to reduce card processing costs.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/invoicefly.com\/es\/academia\/tasa-de-intercambio\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Interchange Fee Explained: How Card Payment Fees Work for Merchants\" \/>\n<meta property=\"og:description\" content=\"Learn what an interchange fee is, how Visa and Mastercard set rates, why merchants pay them, and how to reduce card processing costs.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/invoicefly.com\/es\/academia\/tasa-de-intercambio\/\" \/>\n<meta property=\"og:site_name\" content=\"Invoice Fly\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/invoiceflyapp\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-01-30T16:01:19+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-13T10:24:15+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/invoicefly.com\/wp-content\/uploads\/2026\/01\/interchange-fee-what-they-mean-and-how-they-work.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1552\" \/>\n\t<meta property=\"og:image:height\" content=\"1034\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Ellie McKenna\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ellie McKenna\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":[\"Article\",\"BlogPosting\"],\"@id\":\"https:\/\/invoicefly.com\/academy\/interchange-fee\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/invoicefly.com\/academy\/interchange-fee\/\"},\"author\":{\"name\":\"Ellie McKenna\",\"@id\":\"https:\/\/invoicefly.com\/#\/schema\/person\/9b249016c98109514c1c9ed16562ce67\"},\"headline\":\"Interchange Fee Explained: How Card Payment Fees Work for Merchants\",\"datePublished\":\"2026-01-30T16:01:19+00:00\",\"dateModified\":\"2026-02-13T10:24:15+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/invoicefly.com\/academy\/interchange-fee\/\"},\"wordCount\":1609,\"publisher\":{\"@id\":\"https:\/\/invoicefly.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/invoicefly.com\/academy\/interchange-fee\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/invoicefly.com\/wp-content\/uploads\/2026\/01\/interchange-fee-what-they-mean-and-how-they-work.webp\",\"articleSection\":[\"Financial Management\",\"Manage your business\"],\"inLanguage\":\"es\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/invoicefly.com\/academy\/interchange-fee\/\",\"url\":\"https:\/\/invoicefly.com\/academy\/interchange-fee\/\",\"name\":\"Interchange Fee Explained: Rates, Examples, and Merchant Costs &#8211; 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Copywriter at Vistaprint Location: Barcelona, Spain (Originally from Ireland - EUA Market) About Ellie McKenna Ellie McKenna is a dynamic copywriter and content strategist with over five years of experience crafting compelling narratives for global brands, agencies, and in-house teams. Based in Barcelona and hailing from Ireland, Ellie specializes in transforming complex ideas into clear, engaging, and results-driven content. Her work spans industries like lifestyle, finance, travel, and technology, with a portfolio featured in prestigious publications such as TimeOut, The Mirror, and The Telegraph. With a BSc in Business Advertising and an MSc in Digital Marketing, Communications, and Leadership, Ellie blends creativity with strategic insight to deliver content that resonates with audiences and drives conversions. Known for her quick wit and outside-the-box thinking, she\u2019s trusted by clients like Pfizer, Giorgio Armani, LVMH, and Vistaprint for her ability to make the content creation process seamless and impactful. When not writing, Ellie can be found exploring craft shops, diving into a new hobby, or reading the latest Dolly Alderton novel. Qualifications Master of Science in Digital Marketing, Communications, and Leadership, University of Ulster, UK (Graduated 2019) Bachelor of Science in Business Advertising, University College Dublin, Ireland (Graduated 2018) Professional Development: SEO Copywriting Certification (2022) Voice-Over and Animation Scriptwriting Workshop (2021) Google Ads and Analytics Training (2020) Areas of Specialization Content Writing: Long-form blog posts, articles, and press releases optimized for SEO and engagement. Copywriting: Persuasive website copy, email campaigns, social media content, and PR materials that convert. Voice-Over &amp; Technical Animation Scripts: Polished scripts for video content, including explainer videos and branded series (for example: Armani\u2019s visual search videos). SEO Content Strategy: Crafting keyword-driven content to boost search rankings and backlinks. Brand Messaging: Developing authentic, human-centered brand voices for startups and global companies. Content Marketing: Creating campaigns that secure coverage in high-profile outlets like TimeOut and The Telegraph. Professional Experience Copywriter | Vistaprint, Barcelona, Spain (Apr. 2024 \u2013 Present) Create copy for email campaigns, blog posts, PR, social media, and marketing experiences (MX) for a global printing and marketing brand. Collaborate with design and marketing teams to develop cohesive, conversion-focused content. Optimize content for SEO, contributing to increased user engagement and click-through rates. Voice-Over and Technical Animation Script Copywriter | Propulse Video (TransPerfect), Barcelona, Spain (Jan. 2022 \u2013 Present) Write concise, engaging scripts for branded video series, including a three-part visual search video for Giorgio Armani. Ensure scripts align with client tone and objectives, delivering luxurious yet accessible messaging. Contribute to creative development, from narrative planning to post-production feedback. Freelance Copywriter | EMCK Creative Copywriting, Remote (Jan. 2022 \u2013 Present) Provide copywriting and content services for global clients, including Pfizer, LVMH, Samsung, and M\u00e9decins Sans Fronti\u00e8res. Specialize in voice-over scripts, SEO blogs, and brand messaging for women-led and women-focused brands. Secure backlinks and coverage in publications like TimeOut, The Mirror, and The Telegraph through strategic content marketing. Communication and Engagement Officer | Department for Communities, Belfast, UK (Nov. 2023 \u2013 Apr. 2024) Developed communication strategies and content for community engagement initiatives. Produced internal and external communications, including reports and public-facing materials. Content Marketing Executive | Minty Digital, Barcelona, Spain (Jan. 2023 \u2013 Nov. 2023) Created long-form SEO content for lifestyle, finance, and travel sectors, securing backlinks in global publications. Managed content calendars and collaborated with clients to align content with marketing goals. Utilized Google Analytics to optimize content performance, increasing organic traffic by 20% for key campaigns. Marketing and Communication Officer | Northern Ireland Civil Service (DAERA NI), Belfast, UK (Dec. 2020 \u2013 Jan. 2023) Produced marketing materials and communications for agricultural and environmental programs. Led content creation for digital and print campaigns, enhancing public awareness and engagement. Affiliate Marketing and Content Executive | Westwood One, Greater New York City Area, USA (Oct. 2018 \u2013 Sep. 2019) Developed affiliate marketing content and campaigns for a leading media company. Wrote blog posts, emails, and social media content to drive affiliate conversions. Previous Achievements Secured backlinks and coverage in TimeOut, The Mirror, and The Telegraph for lifestyle, finance, and travel content at Minty Digital. Wrote a three-part voice-over script series for Giorgio Armani\u2019s visual search functionality, praised for its luxurious tone and clarity. Increased organic traffic by 20% for Minty Digital\u2019s content campaigns through SEO optimization (2023). Published content for Vistaprint that improved email campaign click-through rates by 15% (2024). Recognized by B\u00e9im Digital\u2019s CEO for delivering \u201cremarkable\u201d content that drove tangible results. References Eamon Corcoran, CEO, B\u00e9im Digital: \u201cEllie\u2019s ability to turn ideas into compelling copy is nothing short of remarkable. Her content resonates and drives results.\u201d Available Upon Request: Additional references from clients like Propulse Video and Vistaprint. Contact For collaboration inquiries or to discuss your project, reach out to Ellie at emckcreativesolutions@gmail.com or connect via LinkedIn. 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Perfil del autor Nombre: Ellie McKenna Correo electr\u00f3nico: emckcreativesolutions@gmail.com LinkedIn: linkedin.com\/in\/ellie-mckenna Situaci\u00f3n profesional: Redactora independiente y redactora de contenidos; redactora en Vistaprint Ubicaci\u00f3n: Barcelona, Espa\u00f1a (Originaria de Irlanda - Mercado EUA) Acerca de Ellie McKenna Ellie McKenna es una din\u00e1mica redactora y estratega de contenidos con m\u00e1s de cinco a\u00f1os de experiencia en la creaci\u00f3n de narrativas convincentes para marcas globales, agencias y equipos internos. Afincada en Barcelona y procedente de Irlanda, Ellie est\u00e1 especializada en transformar ideas complejas en contenidos claros, atractivos y orientados a resultados. Su trabajo abarca sectores como el estilo de vida, las finanzas, los viajes y la tecnolog\u00eda, y ha aparecido en prestigiosas publicaciones como TimeOut, The Mirror y The Telegraph. Licenciada en Publicidad Empresarial y con un m\u00e1ster en Marketing Digital, Comunicaci\u00f3n y Liderazgo, Ellie combina la creatividad con la visi\u00f3n estrat\u00e9gica para ofrecer contenidos que resuenen entre el p\u00fablico y generen conversiones. Conocida por su ingenio y su pensamiento creativo, clientes como Pfizer, Giorgio Armani, LVMH y Vistaprint conf\u00edan en ella por su capacidad para hacer que el proceso de creaci\u00f3n de contenidos sea fluido e impactante. Cuando no est\u00e1 escribiendo, a Ellie se la puede encontrar explorando tiendas de artesan\u00eda, sumergi\u00e9ndose en un nuevo hobby o leyendo la \u00faltima novela de Dolly Alderton. Cualificaciones M\u00e1ster en Marketing Digital, Comunicaciones y Liderazgo, Universidad de Ulster, Reino Unido (Graduada en 2019) Licenciatura en Publicidad Empresarial, University College Dublin, Irlanda (Graduada en 2018) Desarrollo profesional: Certificaci\u00f3n de redacci\u00f3n publicitaria SEO (2022) Taller de escritura de guiones de voz en off y animaci\u00f3n (2021) Formaci\u00f3n en Google Ads y Analytics (2020) \u00c1reas de especializaci\u00f3n Redacci\u00f3n de contenidos: Entradas de blog de formato largo, art\u00edculos y comunicados de prensa optimizados para SEO y compromiso. Redacci\u00f3n publicitaria: Textos persuasivos para sitios web, campa\u00f1as de correo electr\u00f3nico, contenidos para redes sociales y materiales de relaciones p\u00fablicas que conviertan. Guiones de doblaje y animaci\u00f3n t\u00e9cnica: Guiones pulidos para contenidos de v\u00eddeo, incluidos v\u00eddeos explicativos y series de marca (por ejemplo: los v\u00eddeos de b\u00fasqueda visual de Armani). Estrategia de contenidos SEO: Creaci\u00f3n de contenidos basados en palabras clave para mejorar las clasificaciones de b\u00fasqueda y los v\u00ednculos de retroceso. Mensajes de marca: Desarrollo de voces de marca aut\u00e9nticas y centradas en el ser humano para startups y empresas globales. Marketing de contenidos: Creaci\u00f3n de campa\u00f1as que garantizan la cobertura en medios de alto perfil como TimeOut y The Telegraph. Experiencia profesional Redactor | Vistaprint, Barcelona, Espa\u00f1a (Abr. 2024 - Presente) Crear textos para campa\u00f1as de correo electr\u00f3nico, entradas de blog, relaciones p\u00fablicas, redes sociales y experiencias de marketing (MX) para una marca global de impresi\u00f3n y marketing. Colaborar con los equipos de dise\u00f1o y marketing para desarrollar contenido cohesivo y enfocado a la conversi\u00f3n. Optimizar el contenido para SEO, contribuyendo a aumentar la participaci\u00f3n del usuario y las tasas de clics. Voice-Over and Technical Animation Script Copywriter | Propulse Video (TransPerfect), Barcelona, Espa\u00f1a (Ene. 2022 - Presente) Escribir guiones concisos y atractivos para series de v\u00eddeo de marca, incluyendo un v\u00eddeo de b\u00fasqueda visual de tres partes para Giorgio Armani. Garantizar que los guiones se alineen con el tono y los objetivos del cliente, transmitiendo mensajes lujosos pero accesibles. Contribuir al desarrollo creativo, desde la planificaci\u00f3n narrativa hasta los comentarios posteriores a la producci\u00f3n. Freelance Copywriter | EMCK Creative Copywriting, Remote (Jan. 2022 - Present) Proporcionar servicios de redacci\u00f3n y contenido para clientes globales, incluyendo Pfizer, LVMH, Samsung, y M\u00e9decins Sans Fronti\u00e8res. Especializada en guiones de voz en off, blogs SEO y mensajes de marca para marcas lideradas por mujeres y centradas en mujeres. Conseguir backlinks y cobertura en publicaciones como TimeOut, The Mirror y The Telegraph mediante marketing de contenidos estrat\u00e9gico. Communication and Engagement Officer | Department for Communities, Belfast, UK (Nov. 2023 - Abr. 2024) Desarroll\u00f3 estrategias de comunicaci\u00f3n y contenidos para iniciativas de compromiso con la comunidad. Producci\u00f3n de comunicaciones internas y externas, incluyendo informes y materiales de cara al p\u00fablico. Ejecutivo de Marketing de Contenidos | Minty Digital, Barcelona, Espa\u00f1a (Ene. 2023 - Nov. 2023) Creaci\u00f3n de contenidos SEO de largo formato para los sectores de estilo de vida, finanzas y viajes, asegurando backlinks en publicaciones globales. Gestion\u00e9 calendarios de contenido y colabor\u00e9 con los clientes para alinear el contenido con los objetivos de marketing. Utilic\u00e9 Google Analytics para optimizar el rendimiento de los contenidos, aumentando el tr\u00e1fico org\u00e1nico en 20% para campa\u00f1as clave. Marketing and Communication Officer | Northern Ireland Civil Service (DAERA NI), Belfast, UK (dic. 2020 - ene. 2023) Produjo materiales de marketing y comunicaciones para programas agr\u00edcolas y medioambientales. Dirig\u00ed la creaci\u00f3n de contenidos para campa\u00f1as digitales e impresas, mejorando la concienciaci\u00f3n y el compromiso del p\u00fablico. Affiliate Marketing and Content Executive | Westwood One, Greater New York City Area, USA (Oct. 2018 - Sep. 2019) Desarroll\u00f3 contenidos y campa\u00f1as de marketing de afiliaci\u00f3n para una empresa l\u00edder en medios de comunicaci\u00f3n. Escribi\u00f3 publicaciones de blog, correos electr\u00f3nicos y contenido de redes sociales para impulsar las conversiones de afiliados. Logros anteriores Asegur\u00f3 backlinks y cobertura en TimeOut, The Mirror y The Telegraph para contenido de estilo de vida, finanzas y viajes en Minty Digital. Escribi\u00f3 una serie de guiones de voz en off de tres partes para la funcionalidad de b\u00fasqueda visual de Giorgio Armani, elogiada por su tono lujoso y su claridad. Aument\u00f3 el tr\u00e1fico org\u00e1nico en 20% para las campa\u00f1as de contenidos de Minty Digital mediante la optimizaci\u00f3n SEO (2023). Publicaci\u00f3n de contenidos para Vistaprint que mejoraron las tasas de clics de las campa\u00f1as de correo electr\u00f3nico en 15% (2024). Reconocido por el director general de B\u00e9im Digital por ofrecer un contenido \u201cextraordinario\u201d que gener\u00f3 resultados tangibles. Referencias Eamon Corcoran, CEO de B\u00e9im Digital: \u201cLa capacidad de Ellie para convertir ideas en textos convincentes es extraordinaria. Su contenido resuena y genera resultados\u201d. Disponible a petici\u00f3n: Referencias adicionales de clientes como Propulse Video y Vistaprint. Contacto Para consultas sobre colaboraci\u00f3n o para hablar de tu proyecto, ponte en contacto con Ellie en emckcreativesolutions@gmail.com o a trav\u00e9s de LinkedIn. Visita elliemckenna.com para explorar su portafolio y servicios.","sameAs":["http:\/\/elliemckenna.com","https:\/\/www.linkedin.com\/in\/ellie-mckenna\/"],"gender":"female","award":["Eamon Corcoran","CEO","B\u00e9im Digital: \u201cEllie\u2019s ability to turn ideas into compelling copy is nothing short of remarkable. Her content resonates and drives results.\u201d Available Upon Request: Additional references from clients like Propulse Video and Vistaprint"],"knowsAbout":["Invoicing","SaaS","Mobile Apps","Accounting","Home Service Industry. Content Writing: Long-form blog posts","articles","and press releases optimized for SEO and engagement. Copywriting: Persuasive website copy","email campaigns","social media content","and PR materials that convert. Voice-Over & Technical Animation Scripts: Polished scripts for video content","including explainer videos and branded series (e.g.","Armani\u2019s visual search videos). SEO Content Strategy: Crafting keyword-driven content to boost search rankings and backlinks. Brand Messaging: Developing authentic","human-centered brand voices for startups and global companies. Content Marketing: Creating campaigns that secure coverage in high-profile outlets like TimeOut and The Telegraph."],"knowsLanguage":["English","Spanish"],"jobTitle":"Copywriter","worksFor":"Copywriter & Content Strategist","url":"https:\/\/invoicefly.com\/es\/academy\/author\/ellie-mckenna\/"}]}},"authors":[{"term_id":101,"user_id":6,"is_guest":0,"slug":"ellie-mckenna","display_name":"Ellie McKenna","avatar_url":{"url":"https:\/\/invoicefly.com\/wp-content\/uploads\/2024\/12\/1713359745033.jpg","url2x":"https:\/\/invoicefly.com\/wp-content\/uploads\/2024\/12\/1713359745033.jpg"},"author_category":"1","first_name":"Ellie","last_name":"McKenna","user_url":"http:\/\/elliemckenna.com","job_title":"Freelance Copywriter and Content Writer; Copywriter at Vistaprint","description":"<h3>Ellie McKenna - Perfil del autor<\/h3>\r\n<p><strong>Nombre<\/strong>: Ellie McKenna\r\n<strong>Correo electr\u00f3nico<\/strong>: emckcreativesolutions@gmail.com\r\n<strong>LinkedIn<\/strong>: linkedin.com\/in\/ellie-mckenna\r\n<strong>Estatuto profesional<\/strong>: Redactora aut\u00f3noma y redactora de contenidos; redactora en Vistaprint\r\n<strong>Ubicaci\u00f3n<\/strong>: Barcelona, Espa\u00f1a (Procedente de Irlanda - Mercado EUA)<\/p>\r\n\r\n<h3>Acerca de Ellie McKenna<\/h3>\r\n<p>Ellie McKenna es una din\u00e1mica redactora y estratega de contenidos con m\u00e1s de cinco a\u00f1os de experiencia en la creaci\u00f3n de narrativas convincentes para marcas globales, agencias y equipos internos. Con sede en Barcelona y procedente de Irlanda, Ellie est\u00e1 especializada en transformar ideas complejas en contenidos claros, atractivos y orientados a resultados. Su trabajo abarca sectores como el estilo de vida, las finanzas, los viajes y la tecnolog\u00eda, y ha aparecido en prestigiosas publicaciones como <em>TimeOut<\/em>, <em>El espejo<\/em>, y <em>El tel\u00e9grafo<\/em>.<\/p>\r\n<p>Con un <strong>Licenciatura en Publicidad Empresarial<\/strong> y un <strong>M\u00e1ster en Marketing Digital, Comunicaci\u00f3n y Liderazgo<\/strong>, Ellie combina la creatividad con la visi\u00f3n estrat\u00e9gica para ofrecer contenidos que resuenen en el p\u00fablico y generen conversiones. Conocida por su ingenio r\u00e1pido y su pensamiento creativo, clientes como Pfizer, Giorgio Armani, LVMH y Vistaprint conf\u00edan en ella por su capacidad para hacer que el proceso de creaci\u00f3n de contenidos sea fluido e impactante. Cuando no est\u00e1 escribiendo, a Ellie se la puede encontrar explorando tiendas de artesan\u00eda, sumergi\u00e9ndose en un nuevo hobby o leyendo la \u00faltima novela de Dolly Alderton.<\/p>\r\n\r\n<h3>Cualificaciones<\/h3>\r\n<p><strong>M\u00e1ster en Marketing Digital, Comunicaci\u00f3n y Liderazgo<\/strong>, Universidad de Ulster, Reino Unido (Graduado en 2019)<\/p>\r\n<p dir=\"ltr\"><strong>Licenciatura en Publicidad Empresarial<\/strong>, University College Dublin, Irlanda (Graduado en 2018)<\/p>\r\n<p><strong>Desarrollo profesional<\/strong>:<\/p>\r\n<p>Certificaci\u00f3n SEO Copywriting (2022)<\/p>\r\n<p>Taller de redacci\u00f3n de guiones de doblaje y animaci\u00f3n (2021)<\/p>\r\n<p>Formaci\u00f3n en Google Ads y Analytics (2020)<\/p>\r\n\r\n<h3>\u00c1reas de especializaci\u00f3n<\/h3>\r\n<p><strong>Redacci\u00f3n de contenidos<\/strong>: Entradas de blog, art\u00edculos y comunicados de prensa de formato largo optimizados para SEO y captaci\u00f3n.<\/p>\r\n<p><strong>Redacci\u00f3n publicitaria<\/strong>: Textos persuasivos para sitios web, campa\u00f1as de correo electr\u00f3nico, contenidos para redes sociales y materiales de relaciones p\u00fablicas que conviertan.<\/p>\r\n<p><strong>Guiones de doblaje y animaci\u00f3n t\u00e9cnica<\/strong>: Guiones pulidos para contenidos de v\u00eddeo, incluidos v\u00eddeos explicativos y series de marca (por ejemplo: v\u00eddeos de b\u00fasqueda visual de Armani).<\/p>\r\n<p><strong>Estrategia de contenidos SEO<\/strong>: Creaci\u00f3n de contenidos basados en palabras clave para mejorar el posicionamiento y los v\u00ednculos de retroceso.<\/p>\r\n<p><strong>Mensajes de marca<\/strong>: Desarrollo de voces de marca aut\u00e9nticas y centradas en el ser humano para startups y empresas globales.<\/p>\r\n<p><strong>Marketing de contenidos<\/strong>: Crear campa\u00f1as que garanticen la cobertura en medios de gran visibilidad como <em>TimeOut<\/em> y <em>El tel\u00e9grafo<\/em>.<\/p>\r\n\r\n<h3>Experiencia profesional<\/h3>\r\n<h4>Redactora | Vistaprint, Barcelona, Espa\u00f1a (Abr. 2024 - Presente)<\/h4>\r\n<p dir=\"ltr\">Crear textos para campa\u00f1as de correo electr\u00f3nico, entradas de blog, relaciones p\u00fablicas, redes sociales y experiencias de marketing (MX) para una marca global de impresi\u00f3n y marketing.<\/p>\r\n<p>Colaborar con los equipos de dise\u00f1o y marketing para desarrollar contenidos coherentes y centrados en la conversi\u00f3n.<\/p>\r\n<p>Optimizar el contenido para SEO, contribuyendo a aumentar la participaci\u00f3n de los usuarios y las tasas de clics.<\/p>\r\n\r\n<h4>Locutora y guionista t\u00e9cnica de animaci\u00f3n | Propulse Video (TransPerfect), Barcelona, Espa\u00f1a (Ene. 2022 - Presente)<\/h4>\r\n<p>Escribir guiones concisos y atractivos para series de v\u00eddeo de marca, incluido un v\u00eddeo de b\u00fasqueda visual de tres partes para Giorgio Armani.<\/p>\r\n<p>Garantizar que los guiones se ajusten al tono y los objetivos del cliente, transmitiendo mensajes lujosos pero accesibles.<\/p>\r\n<p>Contribuir al desarrollo creativo, desde la planificaci\u00f3n narrativa hasta los comentarios posteriores a la producci\u00f3n.<\/p>\r\n\r\n<h4>Copywriter Freelance | EMCK Creative Copywriting, Remoto (Ene. 2022 - Presente)<\/h4>\r\n<p>Prestar servicios de redacci\u00f3n y contenidos para clientes de todo el mundo, como Pfizer, LVMH, Samsung y M\u00e9dicos sin Fronteras.<\/p>\r\n<p>Especializada en guiones de voz en off, blogs SEO y mensajes de marca para marcas dirigidas por mujeres y centradas en mujeres.<\/p>\r\n<p>Conseguir backlinks y cobertura en publicaciones como <em>TimeOut<\/em>, <em>El espejo<\/em>, y <em>El tel\u00e9grafo<\/em> a trav\u00e9s del marketing de contenidos estrat\u00e9gico.<\/p>\r\n\r\n<h4>Responsable de Comunicaci\u00f3n y Participaci\u00f3n | Department for Communities, Belfast, Reino Unido (nov. 2023 - abr. 2024)<\/h4>\r\n<p>Desarrollo de estrategias de comunicaci\u00f3n y contenidos para iniciativas de participaci\u00f3n comunitaria.<\/p>\r\n<p>Elaboraci\u00f3n de comunicaciones internas y externas, incluidos informes y material de cara al p\u00fablico.<\/p>\r\n\r\n<h4>Ejecutivo de Marketing de Contenidos | Minty Digital, Barcelona, Espa\u00f1a (Ene. 2023 - Nov. 2023)<\/h4>\r\n<p>Creaci\u00f3n de contenidos SEO de formato largo para los sectores de estilo de vida, finanzas y viajes, asegurando backlinks en publicaciones mundiales.<\/p>\r\n<p>Gesti\u00f3n de calendarios de contenidos y colaboraci\u00f3n con los clientes para alinear los contenidos con los objetivos de marketing.<\/p>\r\n<p>Utilizaci\u00f3n de Google Analytics para optimizar el rendimiento de los contenidos, aumentando el tr\u00e1fico org\u00e1nico en 20% para campa\u00f1as clave.<\/p>\r\n\r\n<h4>Responsable de Marketing y Comunicaci\u00f3n | Northern Ireland Civil Service (DAERA NI), Belfast, Reino Unido (dic. 2020 - ene. 2023)<\/h4>\r\n<p>Elaboraci\u00f3n de materiales de marketing y comunicaciones para programas agr\u00edcolas y medioambientales.<\/p>\r\n<p>Dirigi\u00f3 la creaci\u00f3n de contenidos para campa\u00f1as digitales e impresas, mejorando la concienciaci\u00f3n y el compromiso del p\u00fablico.<\/p>\r\n\r\n<h4>Ejecutivo de marketing de afiliaci\u00f3n y contenidos | Westwood One, \u00e1rea metropolitana de Nueva York, Estados Unidos (oct. 2018 - sep. 2019)<\/h4>\r\n<p>Desarrollo de contenidos y campa\u00f1as de marketing de afiliaci\u00f3n para una importante empresa de medios de comunicaci\u00f3n.<\/p>\r\n<p>Redacci\u00f3n de entradas de blog, correos electr\u00f3nicos y contenidos para redes sociales con el fin de impulsar las conversiones de los afiliados.<\/p>\r\n\r\n<h3>Logros anteriores<\/h3>\r\n<p>Backlinks asegurados y cobertura en <em>TimeOut<\/em>, <em>El espejo<\/em>, y <em>El tel\u00e9grafo<\/em> para contenidos de estilo de vida, finanzas y viajes en Minty Digital.<\/p>\r\n<p>Escribi\u00f3 una serie de guiones de voz en off en tres partes para la funcionalidad de b\u00fasqueda visual de Giorgio Armani, elogiada por su tono lujoso y su claridad.<\/p>\r\n<p>Aumento del tr\u00e1fico org\u00e1nico en 20% para las campa\u00f1as de contenidos de Minty Digital gracias a la optimizaci\u00f3n SEO (2023).<\/p>\r\n<p>Contenido publicado para Vistaprint que mejor\u00f3 el porcentaje de clics en las campa\u00f1as de correo electr\u00f3nico en un 15% (2024).<\/p>\r\n<p>Reconocido por el director general de B\u00e9im Digital por ofrecer contenidos \u201cextraordinarios\u201d que generaron resultados tangibles.<\/p>\r\n\r\n<h3>Referencias<\/h3>\r\n<p><strong>Eamon Corcoran<\/strong>, director general de B\u00e9im Digital: \u201cLa capacidad de Ellie para convertir ideas en textos convincentes es extraordinaria. Su contenido resuena y genera resultados\u201d.\u201d<\/p>\r\n<p><strong>Disponible previa petici\u00f3n<\/strong>: Referencias adicionales de clientes como Propulse Video y Vistaprint.<\/p>\r\n\r\n<h3>Contacto<\/h3>\r\n<p>Para consultas sobre colaboraci\u00f3n o para hablar de tu proyecto, ponte en contacto con Ellie en emckcreativesolutions@gmail.com o a trav\u00e9s de LinkedIn. Visita elliemckenna.com para explorar su portafolio y servicios.<\/p>"}],"_links":{"self":[{"href":"https:\/\/invoicefly.com\/es\/wp-json\/wp\/v2\/posts\/88204","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/invoicefly.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/invoicefly.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/invoicefly.com\/es\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/invoicefly.com\/es\/wp-json\/wp\/v2\/comments?post=88204"}],"version-history":[{"count":8,"href":"https:\/\/invoicefly.com\/es\/wp-json\/wp\/v2\/posts\/88204\/revisions"}],"predecessor-version":[{"id":88286,"href":"https:\/\/invoicefly.com\/es\/wp-json\/wp\/v2\/posts\/88204\/revisions\/88286"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/invoicefly.com\/es\/wp-json\/wp\/v2\/media\/88283"}],"wp:attachment":[{"href":"https:\/\/invoicefly.com\/es\/wp-json\/wp\/v2\/media?parent=88204"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/invoicefly.com\/es\/wp-json\/wp\/v2\/categories?post=88204"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/invoicefly.com\/es\/wp-json\/wp\/v2\/tags?post=88204"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/invoicefly.com\/es\/wp-json\/wp\/v2\/ppma_author?post=88204"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}