ENJOY THE LOWEST RATE ON EVERY TRANSACTION & MAXIMIZE PROFIT

We will help your business qualify for the lowest possible interchange rate available.

DigiPay Offers Interchange Optimization

The gateway we offer does all of the optimization & data fields, providing instant access to Level II & Level III savings.

B2B & B2G purchases can qualify for lower rates by entering additional data at the time of the transaction. Businesses that accept business or government cards, can qualify for level III rates and can benefit from significant savings.

Large ticket transactions frequently benefit from interchange optimization. DigiPay and our strategic partners know which cards qualify for Level II and Level III interchange savings. We intelligently process the most Level II and Level III qualifying data. This enables us to deliver the opportunity for lower merchant processing fees. We turn hours of work into seconds; making your work easy and saving labor costs.

DigiPay Offers Interchange Optimization

The gateway we offer does all of the optimization & data fields, providing instant access to Level II & Level III savings.

B2B & B2G purchases can qualify for lower rates by entering additional data at the time of the transaction. Businesses that accept business or government cards, can qualify for level III rates and can benefit from significant savings.

Large ticket transactions frequently benefit from interchange optimization. DigiPay and our strategic partners know which cards qualify for Level II and Level III interchange savings. We intelligently process the most Level II and Level III qualifying data. This enables us to deliver the opportunity for lower merchant processing fees. We turn hours of work into seconds; making your work easy and saving labor costs.

Interchange optimization refers to obtaining lower rates for B2B and B2G purchases, by giving some extra details about each transaction.

The average merchant collects Level I data i.e. basic billing information, when processing a payment. However, Level II and Level III data include additional information about the transaction like customer codes, PO numbers and tax IDs; which eliminates the threat of fraud and helps optimize a merchant’s interchange rates.

Credit card associations incentivize merchants to provide this extra data with cost savings.

Best processing technology to qualify our merchants for the lowest interchange rate possible on every transaction

Interchange Optimization

Statement Analyzer Tool

MasterCard rate matrix

Visa rate matrix

DigiPay offers the very best Interchange optimization program in the industry. As a business owner, you can rest assured that we will help your business qualify for the lowest possible interchange rate and save you thousands of dollars

WITH THE STATE-OF-ART-TECHNOLGY THAT WE PROVIDE WITH INTERCHANGE OPTIMIZATION ENABLES OUR BUSINESS OWNERS TO SETTLE MILLIONS OF TRANSACTIONS, PROVIDING THE MOST COMPETITIVE AND ADVANTAGEOUS RATES TO OUR CUSTOMERS.

Business-to-Business

For B2B and B2G merchants, we offer interchange optimization in payment processing qualifying you to pay a lower rate for every swipe.

The DigiPay Advantage

DigiPay merchants enjoy the added benefit of our industry-leading technology. With Level II and III interchange optimization, the transactions are processed through a third-party gateway that supports this level of processing.

Nevertheless, there are platform-specific requirements that dictate if a merchant can benefit from Level III interchange optimization.

Merchant specific benefits

Passing Level II & III data presents a variety of merchants-specific benefits. Our merchants can enjoy lower interchange costs from cards brands, which in turn produces a lower effective rate.

High-level security for payment gateway

PCI-validated P2PE solution works hand-in-hand with our other industry-leading payment security technologies to drastically reduce the size of the merchant’s cardholder data environment.

Interchange is a rate or fee charged by banks to cover the cost of handling and risk involved in bank credit or debit card transactions. Interchange optimization is available on all of our products, all day, every day. On the platforms that we offer, merchants qualify for the best interchange rates on every transaction. Our omni channel solution for secure payments is available online, in-office POS, and through any mobile device. Even merchants accepting payments through common accounting software, CRM, and ERP applications connecting to our API are saving with interchange optimization.

In addition to the interchange rate, credit card processing companies often include other fees that are passed along to merchants as part of their processing costs.

Interchange rates are set by credit card companies such as MasterCard, Visa, American Express, and Discover. Visa and MasterCard typically publish updated interchange rates in April and October.

These rates are current as of April 2020, and now effective July 2020 for the public.

VISA and MasterCard require different amounts of data to qualify for Level II and Level III rates. DigiPay auto-fills this data so merchants can qualify for higher savings on each transaction.

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