By Marcus Flynn, tracking and attribution editor. Updated 14 September 2026.
Interchange plus a markup
Merchants processing up to $100,000 a month pay interchange plus 1.10% plus $0.25. From $100,000 to $300,000 a month the line is interchange plus 0.80% plus $0.10, and the monthly fee is waived. Volume above $300,000 is quoted. There is no setup fee.
Add the card brand's interchange before you compare this with an all-in percentage from another ISO. The reserve hold is typically six months, and the percentage of that hold is set in underwriting.
Is it worth it?
What works
- Publishes interchange-plus markups in two volume bands, with no setup fee.
- Sells a dedicated merchant account in the business name, underwritten before the first sale.
- States an approval rate and a decision window once the file is complete.
What to watch
- The published percentages are markups on interchange, so the statement rate is higher once the card brand's interchange is added.
- The reserve percentage is set in underwriting. The public page says the hold is typically six months.
- A payments forum calls the fees higher than a standard account. That is one thread, not a measured rate.
Frequently asked questions
How much does PayKings cost?
The public tiers are markups added to interchange, and they step down as monthly volume rises. The all-in rate still depends on which cards you take.
Is there a free trial?
The account is underwritten before processing. A fast decision on a complete file is still an approval, not a trial you cancel later.
Related reading
Comments
No comments yet. Questions and your own experience are welcome.
Thank you. Your comment will appear once it has been reviewed.