# Interchange-plus

https://www.uniwebpay.com/glossary/interchange-plus/

*Last updated: 2026-08-03*

A pricing shape that quotes the acquirer’s margin separately from the pass-through cost, so a statement shows what went to the issuer and the scheme and what went to the provider. Harder to read than a blended rate, and the only shape that lets a merchant tell whether a change in cost came from their provider or from their own customers.

## Why it matters to a merchant

More lines on the statement and more information in them: the merchant can see the floor and the margin separately, which makes the cost of a change in mix visible instead of invisible. The trade is admin, and whether it is worth paying depends on whether anyone will actually read the detail.

## Related terms

*What it costs, and what gets measured*

- [MDR (merchant discount rate)](https://www.uniwebpay.com/glossary/mdr/)
- [Interchange](https://www.uniwebpay.com/glossary/interchange/)
- [GMV (gross merchandise value)](https://www.uniwebpay.com/glossary/gmv/)
- [Merchant account](https://www.uniwebpay.com/glossary/merchant-account/)
- [Effective rate](https://www.uniwebpay.com/glossary/effective-rate/)
- [Per-transaction fee](https://www.uniwebpay.com/glossary/per-transaction-fee/)
- [Blended rate](https://www.uniwebpay.com/glossary/blended-rate/)
- [Cross-border interchange](https://www.uniwebpay.com/glossary/cross-border-interchange/)
- [Net settlement](https://www.uniwebpay.com/glossary/net-settlement/)
- [Rolling reserve](https://www.uniwebpay.com/glossary/rolling-reserve/)
- [Surcharge](https://www.uniwebpay.com/glossary/surcharge/)

- [All 74 terms](https://www.uniwebpay.com/glossary/)

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