Interchange-plus pricing is a pricing model that combines the interchange fees set by credit card companies and the extra fee added by a credit card processor. For instance, a payment processor may get an interchange-plus rate of 1.99% but charge their customers a fixed rate of 3.49%. Their profit comes from the extra 1.5% they charge to the customer. Most small businesses cannot access true interchange-plus rates; these are only available to businesses that handle massive numbers of transactions with credit card companies.