A single interchange rate is paid each time. A transaction is made whether it is MasterCard, Visa or Discover, or American Express. Some of the rates are lesser as compared to others. This is because, for example, they are determined to be at less of a risk to the card-issuing bank and less likely to have chargeback occur. Some other of the most noticeable factors that decide an accurate cost of every interchange rate category is: • How the payment is accepted ( By the internet or via face to face) • Cost of the sale (purchasing card or the average ticket) • Credit card type (Individual card vs business corporate card) • Processing Technology (interchange optimization for IP” high speed” connection) • Regular Settlement