This e-commerce pricing model is built for merchants selling through Shopify, marketplace channels, and their own storefront. At higher volume, every basis point of processing fees translates to real money — and flat-rate pricing can hide markup inside a headline number that looks simple but is not always economical.
The starting point
The merchant starts on a flat-rate plan and assumes the rate is fair because it resembles a market average. The first step is to review several months of statements and build an interchange-plus model: the actual network cost, plus a transparent processor markup.
What interchange-plus revealed
The useful comparison is the merchant's blended interchange rate by card mix against the all-in flat rate. If the spread is high enough, an interchange-plus plan can preserve processor economics while reducing merchant cost and making the statement easier to audit.
The switch
The cleanest migration keeps the storefront experience intact while changing the pricing model and settlement setup behind the scenes. Monthly statements then break out interchange by card type so the finance team can see where costs come from.
12-month audit
After migration, OmniPay can re-run the statement model against actual transaction mix. Savings depend on volume, card mix, marketplace share, gateway fees, and chargeback profile, so the recommendation is based on statement math rather than a generic headline rate.