The most effective in minimizing merchant discount fees or gross effective rate, as interchange fees are passed through directly to the merchant, as the processor is billed by the card brands plus a small margin. Interchange pricing, when done properly, is full disclosure pricing in the credit card processing industry. The fees are broken out line by line for each card type, per item, Base II, DFA, Visa FANF, and so on. For years, merchant service providers would only use this pricing for the largest merchants, such as Wal*Mart, Cabela’s, Target, and so forth. At DonUp, we use this pricing structure, unless the merchant asks for tiered pricing.