BLOGIC Interchange+ See exactly what you're overpaying on Shopify or Stripe Run the numbers
Business Logic, Applied to Payments

The easiest way to stop overpaying Shopify and Stripe.

With BLOGIC Interchange+, you pay exactly what the card networks charge, plus one small, disclosed markup: the same wholesale, transparent pricing enterprise merchants get. Flat-rate processors charge every card the same rate, whether it actually costs 0.05% or 2.1%.

$
You could be saving$12,000per year, at 100bps lower processing costs
Get my exact number
Underwritten before you go live
Published network interchange rates
Fully disclosed markup
Effective Rate
3.30% → 2.25%
−32%vs. flat-rate pricing
Monthly Savings
$1,046
On $100K in processing volume
Annual Savings
32%Saved
$12,546 / yr back
Interchange+ pricing across every major network
$5B+
Processed annually
7,000+
Merchants served
Since 2010
Processing payments
PCI DSS L1
Compliance level
Why You're Overpaying

The advertised rate isn't the rate you pay.

Flat rate blends every card into one number. Interchange+ shows you the real, published cost of each transaction, and exactly what's added on top.

Fixed fees compoundEvery card, one priceLine items add up
What's advertised2.9%
Marketing rate
What merchants actually pay3.3–4.2%
Effective rate

2.9% + 30¢ is a marketing number, not what you'll actually pay. It's the rate for one specific card type. Every other card, every add-on fee, and every fixed charge on your smallest tickets gets blended in around it. Run your own numbers: take everything you paid in processing fees last month and divide it by total volume. Most Shopify and Stripe merchants land well above the advertised rate.

The math on a $100 sale, by card type.

Source: card network interchange schedules.

Card type
Interchange
Flat vs Interchange+ (on $100)
You save
Regulated debitVisa/MC, large-bank
0.05% + 22¢
Flat
$3.20
IC+
$1.07
Save $2.1367% less
Exempt debitSmaller-bank debit
0.80% + 15¢
Flat
$3.20
IC+
$1.75
Save $1.4545% less
Basic creditCPS Retail credit
1.51% + 10¢
Flat
$3.20
IC+
$2.41
Save $0.7925% less
Rewards creditTraditional rewards
1.65% + 10¢
Flat
$3.20
IC+
$2.55
Save $0.6520% less
Premium rewardsSignature Pref. / Infinite
2.10% + 10¢
Flat
$3.20
IC+
$3.00
Save $0.206% less
See Your Numbers

What would you save on Interchange+?

Defaults are pre-loaded with a $100K/month example. Swap in your own volume, ticket size, and processor to see your real numbers.

Drop your Shopify or Stripe payout report
CSV export from your payouts/fees history · or browse a file
Your file is processed entirely in this browser tab. Nothing is uploaded to a server.
Advanced: adjust card mix
Regulated debit25%
Exempt debit10%
Basic credit45%
Rewards credit15%
Premium rewards5%
Reset to representative portfolio (auto-normalized to 100%)
Estimated Savings With BLOGIC
$1,046
Current cost
$3,300
3.30% effective rate
BLOGIC Interchange+
$2,255
2.25% effective rate
Effective rateLower is better
■ Current■ BLOGIC
Card typeFlatBLOGICSaved
Regulated debit$825$323$502
Exempt debit$330$195$135
Basic credit$1,485$1,167$318
Rewards credit$495$410$85
Premium rewards$165$159$6
Opening your email, just hit send.
Seamless Shopify Integration

Same checkout. Same customers. Just lower fees.

BLOGIC connects directly to Shopify as your payment processor. Nothing about your storefront, checkout page, or customer experience changes. The only difference shows up on your statement.

yourstore.com/checkout
Processor:Shopify PaymentsBLOGIC Interchange+
Email
jane@customer.com
Card information
•••• •••• •••• 4242
MM / YY
CVC
Pay now · $84.00
Secure checkout, unchanged
Drop-in replacement

Connects directly through Shopify's payment settings. No developer, no code, no rebuild.

Checkout stays identical

Same fields, same design, same domain. Your customers never see or feel a difference.

You just save money

Transactions still process instantly. The only thing that changes is what you pay to process them.

See What You'd Save
Why Accounts Get Frozen

Reverse underwriting means your funds are never fully safe.

Stripe and Shopify are built for instant approval: sign up in minutes, start processing the same day.

Instead, the underwriting happens after the fact, algorithmically and often without warning.

A sudden increase in processing volume
Launching a new product category or price point
A short-term spike in chargebacks or refunds
Routine automated risk reviews, with no notice
The BLOGIC Way

No random freezes. Real people who know your business.

Every BLOGIC merchant gets a dedicated account manager you can call or text, anytime.

  • Full underwriting completed before your first transaction, not triggered by your hundredth
  • A dedicated account manager you can call or text, anytime, no queues, no bots
  • We actually understand your business, not just a risk score in a spreadsheet
  • Transparent, disclosed Interchange+ pricing: no gimmicks, no hidden tiers
Side by Side

BLOGIC vs. Flat-Rate Processors

Same transactions. Different math, and a different relationship with your money.

BEST VALUE
Stripe/Shopify
Monthly fees
Flat, transparent, no hidden tiers
Varies by ecommerce stack · $5–$2,000+/mo for Plus
Online transactions
Interchange + 0.4% + 10¢
2.9% + $0.30 flat rate for every card
ACH fees
0.4%
0.8% · not supported on Shopify
Underwriting
Completed upfront, before go-live
Instant / automated approval
Account holds & freezes
Risk assessed before you go live
Algorithmic risk reviews
Dedicated support
Account manager, every merchant
Enterprise tier only · Plus tier only
Virtual terminal
Included
Third-party / DIY · not available on Shopify
Free Rate Analysis

Get started and see your real numbers today.

Send us your volume and average ticket. We'll show you the Interchange+ breakdown, free and with no commitment.

Book My Rate Analysis
Talk To A Human

Let's see what you're actually paying.

Send your last processing statement, or just your volume and average ticket. We'll show you the full Interchange+ breakdown, no commitment, no pressure.

Fully disclosed pricingUnderwritten upfront
A real breakdown using your actual card mix, not an estimate
Every card priced on its real cost: you only pay more when it actually costs more
Underwriting happens before go-live, not discovered through a frozen balance
Talk to a real person, not a chatbot or support queue
We'll reach out within one business day. No obligation, just the math.

Business Logic. Interchange+ payment processing for Shopify and Stripe merchants who want access to wholesale savings.

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