April 1, 2026
What wholesale processing means for your statement
How interchange, markup, and program pricing show up on a merchant statement, and what we compare when we run a savings analysis.
Every card transaction carries interchange and network costs set by the card brands. On top of that, your processor adds markup, fees, and program charges. Those layers are what make two businesses with the same sales pay different totals.
Wholesale-style pricing is still card processing. The difference is how much margin sits between interchange and what you pay. When we review your statement, we line up your effective rate against a program built on that structure.
Nothing changes about how your customers pay. You still settle batches, fund your account, and support chargebacks the same way. The analysis is about the fee stack, not your checkout flow.