Interchange Details report
The Interchange Details report is useful for analyzing interchange costs and identifying factors that impact interchange qualification.
Factors impacting interchange costs
- Payment method: Online payments generally have higher interchange costs than in-person payments.
- Funding type: Credit cards typically cost more to process than debit cards.
- Card type: Consumer and international cards often incur higher rates than business or commercial cards.
- Settlement time: Transactions settled more than two days after authorization may result in higher costs.
- Level 2/3 data: Payments missing level 2/3 data qualify only for level 1 rates.
- AVS/CVV data: Incorrect or missing avs/cvv data can lead to higher interchange fees.
- Merchant category code: Certain MCCs are subject to higher interchange rates.
Available columns
| Field | Description |
| merchant | Merchant name |
| merchant_account_id | Unique merchant account id |
| processor | Processor through which payment was routed |
| transaction_id | Unique charge or refund id |
| transaction_type | Type of transaction |
| payment_method | Payment method type, such as online or in-person |
| transaction_date | Date transaction was processed |
| settlement_date | Date transaction settled |
| funding_type | Card funding type, such as debit or credit |
| card_brand | Card brand |
| card_bin | Card BIN |
| interchange_program | Interchange program |
| avs_address | Results of the AVS address check |
| avs_zip_code | Results of the AVS zip code check |
| cvv | Results of the CVV/CVC check |
| level_2_3 | Indicates whether level 2/3 data was provided |
| interchange_discount_rate | Interchange discount rate; the rate does not include any markups |
| interchange_transaction_fee | Interchange transaction fee; the amount does not include any markups |
| transaction_amount | Amount of the charge or refund |
| total_interchange_cost | Total interchange cost = (transaction_amount × interchange_discount_rate) plus interchange_transaction_fee |