Lower card payment fees with tokenization
Stop overpaying on opaque flat rates. With transparent interchange++ pricing from 0.45%, higher authorization rates and lower fraud, you keep more of every transaction — without being locked into a single processor.
The anatomy of a card payment fee
Every card transaction has three cost components. Flat-rate providers hide them in one number. Interchange++ shows you each one — and only the markup is ours.
Interchange
Set by the issuing bank
Paid to the cardholder's bank. Fixed by Visa and Mastercard — identical for every processor. Nobody can discount it.
Scheme fees
Set by Visa / Mastercard
Paid to the card network. Also fixed and passed straight through. Transparent pricing shows it as a separate line.
Processor markup
From 0.45% with RoxPay
Our fee for processing. This is where you compare providers — and where transparent IC++ beats padded flat rates.
With flat-rate pricing (typically 1.5%–3.4% all-in), the provider keeps the difference between what they charge you and the real interchange + scheme cost. With interchange++ you only pay the markup on top of cost.
Flat-rate vs interchange++
The headline number is not the whole story. Transparency is what separates a fair rate from an expensive one.
| What matters | Flat-rate (typical) | Interchange++ (RoxPay) RECOMMENDED |
|---|---|---|
| Pricing model | One blended % hides the cost | Interchange + scheme + markup, itemized |
| Typical effective rate | 1.5% – 3.4% | From 0.45% + interchange |
| You see real interchange | No | Yes |
| Setup / hidden fees | Often | None |
| Switch processor without re-collecting cards | Vendor lock-in | Portable tokens |
| Data residency | Often US-based | EU only |
How tokenization lowers your effective cost
Interchange itself is fixed by the schemes — no one can discount it. But tokenization moves the levers that actually decide how much each sale costs you.
Higher authorization rates
Network tokens keep card credentials fresh, so fewer good transactions are declined. Every recovered approval is revenue you already won — at no extra fee.
Less fraud and fewer chargebacks
Card numbers never sit in your systems, so a breach has nothing to steal. Lower fraud means fewer chargeback fees and a healthier risk profile.
No processor lock-in
Portable tokens let you route or switch acquirers for the best rate — without ever asking customers for their card again. Competition keeps your markup low.
Lower compliance cost
By removing card data from scope, most merchants drop from SAQ D to SAQ A — cutting audit, infrastructure and staff time. See the full cost of PCI DSS.
PCI Proxy vaults the card. RoxPay processes the payment.
PCI Proxy and RoxPay are the same company. The vault tokenizes and secures card data; RoxPay is the acquiring engine that settles the transaction at transparent interchange++ rates from 0.45%. You get certified custody and low-commission processing from a single European provider.
View full RoxPay pricing0.45%
Markup from
€500M+
Processed volume
€0
Setup fees
100% EU
Data residency
Payment fees, answered
Interchange++, the real effect of tokenization on cost, and how we keep pricing transparent.
01 Does tokenization reduce card payment fees?
Tokenization does not change the interchange set by the schemes, but it lowers your effective cost: transparent interchange++ pricing instead of padded flat rates, higher authorization rates so fewer good sales are declined, and lower fraud and chargeback losses. Network tokens also improve approvals on recurring payments.
02 What is interchange++ (IC++) pricing?
It breaks each transaction into three visible parts — interchange (to the card's bank), scheme fee (to Visa/Mastercard) and processor markup. Only the markup varies between providers. With RoxPay, processing starts from 0.45% + interchange.
03 How does PCI Proxy relate to RoxPay pricing?
They are the same company. PCI Proxy is the certified vault that tokenizes and stores card data; RoxPay is the acquiring engine that processes at IC++ rates. Because tokens are portable, you are never locked into one processor.
04 Are there hidden or setup fees?
No. A platform fee for the vault and an interchange++ transaction rate for processing — no setup fees, no hidden charges, no long-term lock-in.
Pay less per transaction, keep your cards portable
Transparent interchange++ pricing, a certified EU vault and no lock-in. Talk to us about your volume.