Interchange vs A2A Fee Comparison

Interchange is essentially a margin tax that scales with order value. Use this tool to visualize how flat-rate A2A API pricing outperforms percentage-based acquirer schemas, especially for high-ticket items.

Average Order Value (€) Current Card Rate (%) Current Fixed Fee (€)

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JavaScript Disabled: For a €500 order at 1.5% + €0.20, the card fee is €7.70. The equivalent A2A flat fee via Pisria is €0.15. The merchant saves €7.55 per transaction, a 98% reduction in processing costs.

The Ad-Valorem Problem

The operational cost of moving data between banks is practically zero, regardless of whether the payload says €10 or €10,000. Yet, Visa and Mastercard charge merchants based on the transaction value. This fundamentally misaligns the cost of service with the value provided.

Common Mistakes

Many merchants negotiate basis points (bps) aggressively with their acquirer, celebrating a reduction from 1.5% to 1.35%. This is optimizing the wrong vector. Transitioning volume to an entirely different settlement rail (A2A) yields orders of magnitude higher cost reductions.