Two businesses processing the same volume can have materially different costs depending on their transaction mix.
A higher share of commercial cards, for example, can increase interchange exposure significantly. Similarly, a shift from domestic to international transactions introduces higher cross-border rates.
In some cases, businesses are seeing blended interchange increase by 10–30 basis points purely due to these changes.
Because interchange is applied at a granular level, these movements are not always immediately visible.
This is where many cost increases sit, not in headline rate changes, but in underlying composition.
A structured review helps identify how interchange is building across your transactions and where the pressure points are.
If this has not been analysed recently, it may be worth revisiting: https://lnkd.in/ef5kiAcD
