Process Rite guide · Reviewed September 2026

Interchange Plus vs Flat Rate Credit Card Processing

Before making a payment-processing decision, compare the full operational impact—not just an advertised rate. This guide helps business owners organize the questions, documents, and workflow checks that lead to a clearer decision.

Start with the current setup

Gather a recent merchant statement, processor agreement, equipment details, and a list of every way customers pay. Include counter transactions, online orders, invoices, recurring payments, refunds, and any POS or gateway connections.

Compare the details that affect the business

• Total monthly costs and how they are explained
• Equipment ownership, support, and replacement terms
• Deposits, reporting, refunds, and chargeback workflow
• POS, gateway, ecommerce, and online-ordering compatibility

Get a practical second opinion

Process Rite can help you review the current setup and prepare the questions that matter before you switch, sign, or replace equipment. Final pricing and approval depend on provider review and underwriting.