Payment Pricing Models in Chargebee Pay

Chargebee Pay supports two industry-standard pricing models for card transactions:

• Blended – A single, predictable processing fee that combines interchange, scheme, and processor markup.
• Interchange-Plus-Plus (IC++) – A transparent structure where interchange, scheme, and processor markup are itemized separately.

This document explains how each model works, how fees are applied, and how they are displayed in the Chargebee Pay portal and reports.

Blended Pricing Model

In the Blended pricing model, you pay a fixed processing fee for each card transaction. This single rate includes:

• Interchange fees (set by card-issuing banks)
• Card scheme or network fees (e.g., Visa, Mastercard)
• The payment processor’s markup

Advantages

• Easy to understand and forecast.
• One predictable rate applied across all card payments.

Interchange-Plus-Plus (IC++) Pricing

In the IC++ pricing model, the fee for each card transaction is broken down into separate components:

• Interchange fee – Set by the card-issuing bank.
• Scheme (network) fee – Charged by card networks.
• Processor markup – Chargebee’s agreed markup.

Accounts on IC++ pricing receive an invoice. Transactional fees are collected at the time of payment. Non-transactional fees, which are not tied to individual transactions but billed periodically by schemes, are auto-collected monthly. These details are included in the end-of-month invoice.

Advantages

• Transparent view of true cost.
• Costs vary by card type, geography, and cross-border usage.
• More cost-effective for high-volume customers.

Limitations

• Harder to predict exact fees per transaction.
• Typically available only to larger customers with higher card processing volumes.

Scope

• Cross-border and premium cards may incur higher fees.
• Additional scheme assessments or minimums may apply.
• Some fee components may be reported with a delay.
• Processor markup is negotiated based on your contract.

How Fees Appear in Chargebee Pay

• Onboarding Your selected pricing model (Blended or IC++) is confirmed during onboarding.

• Portal and Reports The way fees are displayed in the Chargebee Pay portal and reports depends on the selected pricing model.
  • Blended:
    • A single fee per card transaction.
    • The Total Deduction is displayed per transaction.
    
  • IC++:
    • A combined fee is shown, with detailed breakdowns (interchange, scheme, processing markup).
    • Fee components are itemized in reports and the portal.
    

Other Supported Payment Methods

In addition to card payments, Chargebee Pay supports the following payment methods, each with its own fee schedule:

• ACH – Typically charged as a percentage with minimums and caps.
• SEPA – Percentage-based with flat transaction costs.
• BACS – Defined per region.

The exact fee schedule depends on your onboarding country. Refer to the Chargebee Pay Fee Schedule to view country-specific pricing.

Regional Availability

• ACH – Available for US customers
• SEPA – Available for EU customers
• BACS – Available for UK customers

Not all payment methods are available in every region. Availability depends on your onboarding country.

Choosing the Right Pricing Model

Choose the model that best fits your business:

For detailed, country-specific pricing (including ACH, SEPA, BACS, and cards), refer to the Chargebee Pay Fee Schedule.