Fees determined by the issuing banks are incurred by businesses each time a card is accepted. No processor can negotiate interchange fees since the fees are determined by the banks. Interchange fees make up the majority of the total processing fees a business pays to process transactions.

Businesses pay different interchange fees based on card type (credit/debit), acceptance method (card present/card not present), card value (rewards/signature preferred/infinite/etc), ticket size, and more.

List of Visa interchange rates
List of Mastercard interchange rates
Discover does not publicly advertise interchange rates.
List of American Express interchange rates (GHB falls under the Bakery category)

Fees charged by the card networks (Visa, Mastercard, Discover and American Express).

There are additional wholesale fees the issuing banks and card networks charge depending on the card acceptance method, card type, etc. These additional pass through fees are a small part of your total processing fees. Your statement with Indigo discloses all additional pass through fees.

Indigo's processing fees for Great Harvest franchisees are set at 0.03% on volume and $0.035 per transaction.

Each location pays a $10 monthly statement fee and a $3.95 PCI compliance fee.

Paytronix is supported by First Data's Payeezy gateway to accept payments for online orders. The cost for each transaction is $0.025 or 2.5 cents in addition to the wholesale cost of processing and Indigo's processing fees. There is also a $5.50 monthly gateway fee.

Effective rate is total fees divided by total volume processed. It represents the percentage of volume a business pays in fees. For example, 2.50% effective rate means the business pays 2.5 cents per dollar processed ($0.025/$1.00 = 2.50%).

The calculator below displays the range of estimated effective rates and processing fees you can expect based on processing volume and average ticket you enter.

Certain processing characteristics specific to each business can influence the effective rate including:

While most processors raise your rates at least twice per year, our rate guarantee means you will never pay more with Indigo. The rate of 0.03% of volume and $0.035 per transaction negotiated by Great Harvest will never change, no matter how long you are our client.

In the unlikely event you receive a chargeback, we have a dedicated team to help you reverse it. We notify you of pending chargebacks and even help write your response.

Most processors prefer you're not PCI compliant so they can profit from the monthly penalties you incur. Indigo helps you avoid all unnecessary fees and penalties, working with you to ensure compliance. PCI compliance is completed quarterly or annually, depending on your setup. Our dedicated team provides reminders and assists with questions.

Your Tax Identification Number (TIN) must match the IRS to avoid penalties and/or the withholding of funds. We ensure your information matches when you switch to Indigo, saving you money and unnecessary hassle.

We are confident you'll want to stay and will never charge you to leave. While most processors reduce their attrition by enforcing high early termination fees, we prefer to earn your business one transaction at a time.

As mentioned earlier, we pass through exact interchange, dues and assessments; our nominal fee to process your transactions is transparent on the statement. This is the fairest pricing method and the only one we use.

Our pricing team will review your statement after you process a full month with Indigo. If you start processing with us in September, we will review the October processing statement (received in November) to identify improvements to card acceptance methods which could lower the wholesale or interchange rates. The pricing team identifies strategies to save you money and avoid unnecessary fees. We are also available for pricing discussions outside of the first full statement review.