Comment by alibarber
2 hours ago
Note that these are interchange fees charged by the networks. Unless you're operating at massive scale, merchant account suppliers still charge the shop whatever they want. The shop is paying far more than 0.2 / 0.3%.
2.5% for credit and 25c fixed for debit is the usual ballpark.
The rates you're quoting are far higher than you get without negotiation from various providers these days . SumUp, as one random example, quote a flat 1.39% _on their free plan_.