No...The reason for the post and question is many businesses in the United States get hundreds of calls a year offering credit card processing at "a cheaper rate". The slime that call sometimes pretend to be your actual bank/merchant processor that you already use, etc. I wanted to know the true base rates as most work on a spread. If you are a large business or lucky you can get actual "Interchange rates" at par or plus very little.

The calls businesses recieve are kind of like the tonner or paper sales pitch of the old days. "We are your toner/paper supplier" we just needed to check the make and serial number of your machine". The company would ship the most toner/paper you ever purchased and use the unlucky employee as the authorized rep who ordered.


fyi...I just Googled and found the Visa document up on a edu site. The Mastercard one is several pages longer.