While interchange itself cannot be changed, its impact is becoming more visible as transaction profiles evolve.
An increase in commercial card usage, for example, or a higher proportion of international customers, can shift blended interchange rates by 10-20 basis points.
For high-volume businesses, that movement is significant.
As a result, more organisations are reviewing how interchange is structured within their transaction data, rather than focusing only on total cost.
This provides a clearer understanding of what is driving increases and where action can be taken elsewhere.
If this approach is being considered internally, this outlines how a structured review typically works: https://lnkd.in/ef5kiAcD
