Interchange Management

Vanguard Payment Systems specializes in minimizing the interchange cost associated with card acceptance. Interchange is the fee that is collected from the merchant and remitted to the bank that issued the consumer’s credit card and is by far the largest cost component associated with card acceptance; thus, offering the most significant opportunity for savings to our merchants.

For a typical credit card transaction, the interchange fee represents approximately 90% of the total cost of card acceptance. Since Visa and MasterCard have created more than 100 different interchange levels, the actual interchange fee on a given credit card transaction may vary dramatically. The complexity and significance of “interchange qualification” have provided Vanguard Payment Systems an excellent opportunity to differentiate our company by providing superior value through our industry leading focus on what we call “Interchange Management”.

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Vanguard Payment Systems has a central focus – Minimize the merchant’s total cost of payment acceptance. We lead the industry with a dedicated team of financial analysts, programmers and process specialists who focus exclusively on ensuring that all customer transactions qualify at the best interchange level possible. Through our dedicated focus and our proprietary programs, Vanguard Payment Systems’s customers enjoy substantial savings through reduced interchange fees.