{"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\" data-e-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-e-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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">Without interchange fees, banks would need to recover these costs through higher cardholder fees or reduced card benefits.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\"><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 class=\"wp-block-paragraph\"><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 class=\"wp-block-paragraph\"><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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">into one single percentage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\"><\/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\" data-e-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-e-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\" data-e-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-e-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-6a578a6231485\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-34bbb881\">\n                        <a href=\"#collapse-8065b3c6a578a6231485\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-8065b3c6a578a6231485\" aria-expanded=\"true\" aria-controls=\"Collapse-8065b3c6a578a6231485\">\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-8065b3c6a578a6231485\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-34bbb881\" data-parent=\"#accordion-6a578a6231485\">\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-d5b37996a578a6231485\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-d5b37996a578a6231485\" aria-expanded=\"true\" aria-controls=\"Collapse-d5b37996a578a6231485\">\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-d5b37996a578a6231485\" class=\" show collapse\" aria-labelledby=\"primaryHeading-1-34bbb881\" data-parent=\"#accordion-6a578a6231485\">\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-cd09c836a578a6231485\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-cd09c836a578a6231485\" aria-expanded=\"true\" aria-controls=\"Collapse-cd09c836a578a6231485\">\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-cd09c836a578a6231485\" class=\" show collapse\" aria-labelledby=\"primaryHeading-2-34bbb881\" data-parent=\"#accordion-6a578a6231485\">\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-460c24b6a578a6231485\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-460c24b6a578a6231485\" aria-expanded=\"true\" aria-controls=\"Collapse-460c24b6a578a6231485\">\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-460c24b6a578a6231485\" class=\" show collapse\" aria-labelledby=\"primaryHeading-3-34bbb881\" data-parent=\"#accordion-6a578a6231485\">\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-10f45136a578a6231485\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-10f45136a578a6231485\" aria-expanded=\"true\" aria-controls=\"Collapse-10f45136a578a6231485\">\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-10f45136a578a6231485\" class=\" show collapse\" aria-labelledby=\"primaryHeading-4-34bbb881\" data-parent=\"#accordion-6a578a6231485\">\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 v28.0 (Yoast SEO v28.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\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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Her speciality is search-focused content that answers the real questions contractors ask. Currently a copywriter at Vista (Vistaprint), one of the world's largest brands serving small businesses Scriptwriter for Propulse Video, a TransPerfect company Content and communications roles across Barcelona and Belfast BSc (Hons) in Business Studies with Advertising and MSc in Digital Marketing, Communication and Leadership, Ulster University Originally from Ireland, based in Barcelona Every guide Ellie writes is researched from primary sources and reviewed under the Invoice Fly editorial policy. Connect with her on LinkedIn or at elliemckenna.com.\",\"sameAs\":[\"https:\\\/\\\/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. 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Su especialidad son los contenidos orientados a los motores de b\u00fasqueda que responden a las preguntas reales que se plantean los contratistas. Actualmente trabaja como redactora en Vista (Vistaprint), una de las marcas m\u00e1s grandes del mundo al servicio de las peque\u00f1as empresas; es guionista en Propulse Video, una empresa de TransPerfect; y ha desempe\u00f1ado funciones de contenido y comunicaci\u00f3n tanto en Barcelona como en Belfast. Es licenciada (con honores) en Ciencias Empresariales con especializaci\u00f3n en Publicidad y tiene un m\u00e1ster en Marketing Digital, Comunicaci\u00f3n y Liderazgo, Universidad de Ulster. Originaria de Irlanda, vive en Barcelona. Cada gu\u00eda que escribe Ellie se basa en fuentes primarias y se revisa seg\u00fan la pol\u00edtica editorial de Invoice Fly. 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Sigue a ella en <a href=\"https:\/\/www.linkedin.com\/in\/ellie-mckenna\/\" target=\"_blank\" rel=\"noopener\">LinkedIn<\/a> o en <a href=\"https:\/\/www.elliemckenna.com\" target=\"_blank\" rel=\"noopener\">elliemckenna.com<\/a>."}],"_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}]}}