Interchange rates sourced from: Visa USA Interchange Reimbursement Fees (Oct 18, 2025), Mastercard U.S. Region Rates (Apr 11, 2025), Discover 2025, and American Express OptBlue. Blended IC calculated using industry-specific card mix models (regulated debit, exempt debit, consumer standard/rewards/premium, commercial, Amex). Actual rates vary by card mix, processor agreement, ticket size, and MCC qualification.