Why choose us?

Blue Pebble is a leading payments processor in the United States. We offer unprecedented customer service with our merchant accounts and help you reduce your processing fees.

  • No hidden fees

  • Interchange Plus Pricing

  • Value of the Plus markup

  • Interchange Plus charge

  • Designed to be clear and insightful

  • Great service


Blue Pebble is amazing! They came in and showed me that our office could save money on our current fees that were being charged. They made everything super smooth from filling out the paperwork to install." "I have had to call a couple times to ask a question and they are right there to help me out. NO WAITING! I highly recommend this company as not only are we getting to keep money that we earned but their customer service is amazing!! Business Owners Sacramento & Roseville, CA
Dr. Mark R. & Dr. Randy D.

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The interchange plus merchant account is designed to give you a complete insight into what your exact processing costs are

Face to Face Retail Merchant
Txn Rate Interchange +0.35%
Txn Fee Interchange +$0.15
Setup Fee $0
Monthly Fee $15
Cancellation Fee $0
24/7 Support Included
PCI Support Included
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E-Commerce Merchant
Txn Rate Interchange +0.40%
Txn Fee Interchange +$0.20
Setup Fee $0
Monthly Fee $20
Cancellation Fee $0
24/7 Support Included
PCI Support Included
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What about hidden fees?

Hidden fees are some of the bigger pain points in a merchant-processor relationship. This happens when all the fees are not disclosed upfront and when they are applied. We guarantee that we will explain all fees that may apply to your account. Here are the most common fees and when they occur. We will also put it writing that if you get charged for any fees that are not listed on your signed application, we will refund those fees.

About Interchange Plus Pricing

Interchange is the rate charged by Visa, MasterCard, Discover, American Express to all processors regardless of their size. Interchange is also called wholesale pricing. Getting pure interchange without markup means you have a team to create and support your systems that directly connect to Visa/MasterCard network. Getting access to this network is a feat of its own in terms of process and investment. If you are a small and medium-sized business, you may not prefer to support the cost of such a team. Alternatively, you can use our scale of operations to process payments through us where we have dedicated systems to process with various Card payment processor.

What's the value of the Plus markup?

We are dedicated to small and medium size businesses and geared to give great customer service. We also provide various value added services that may increase your business customers and reduce your rates even further. For such value, we charge a small markup upon the interchange rate. Interchange plus the markup is called the "Interchange-Plus" pricing. This pricing is as transparent as it can get. This is because, the interchange rate is public information viewable on Visa/Mastercard website (Google: Visa Interchange Rates) and same for all merchants regardless of size. Then, you already know how much mark up we added and any monthly fees to know exactly what you are paying for.

What does Interchange Plus charge look like?

Let's take a simple example of a transaction in 2014. The discount rate depends on the type of card used by the customer.

Card Type Interchange Rate Card Brand Fees Blue Pebble Price True Rate
Visa Debit Retail Swipe Exempt 0.80% + $0.15 0.14% + $0.03 0.35% + $0.30 1.29% + $0.48
MC Credit Retail Swipe World Elite 2.20% + $0.10 0.11% + $0.02 0.35% + $0.30 2.66% + $0.42
When it changes once or twice a year, by Visa/MC once or twice a year, by Visa/MC Never Increases! NA

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