SWIPE ACADEMY - CONFIDENTIAL AGENT RESOURCE
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INTERCHANGE PLUS CHEAT SHEET
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1. THE MATH OF MARGIN
Interchange Plus (Cost-Plus) separates the exact wholesale cost of a transaction from the processor's markup.
Formula: Wholesale Cost (Interchange + Assessments) + Agent Markup = Total Merchant Cost.

2. CORE ASSESSMENTS (Subject to Network Changes)
- Visa Assessment: ~0.14%
- Mastercard NABU: $0.0195 per transaction
- Discover Assessment: ~0.13%
- Amex Assessment: ~0.165%

3. THE DURBIN AMENDMENT (Reg D)
Capped debit card processing for banks over $10B in assets.
Wholesale Cost: 0.05% + $0.22.
*Agent Play*: If you price a merchant at 0.20% and 10 cents over cost, your margin on a $100 Durbin debit swipe is massive compared to tiered pricing.