InterchangeIQ

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Stop Overpaying on Interchange

Six interactive tools that show how data quality, processor selection, and transaction design drive your true cost of card acceptance. Built from 20 years of payments expertise.

Transaction Validator

Check a transaction against interchange qualification rules. See which fields pass, which fail, and what rate you will actually pay.

Downgrade Simulator

Watch a transaction fall through interchange tiers as you remove data fields. See the cost impact of each missing element.

Routing Comparison Calculator

Compare total cost across processors and payment rails for the same transaction. Find the cheapest path to settlement.

CEDP Readiness Checker

Evaluate whether your Level III data would pass Visa's AI-driven Commercial Enhanced Data Program audit under the April 2026 rules.

Interchange Rate Lookup

Searchable reference of 50 Visa and Mastercard interchange categories. Filter by network, card type, and entry mode to find your rate.

Agentic Commerce Risk Simulator

See how AI agent-initiated transactions introduce new interchange downgrade risks compared to human-initiated flows.