Merchant Pricing

This page provides an overview of Xplor Pay’s Merchant Pricing solution, which enables software partners to configure, manage, and apply transaction fee structures for merchant accounts.

About Merchant Pricing

Merchant Pricing enables software partners to define, configure, and manage transaction fee structures for their merchant accounts. It provides a template-based system for creating consistent pricing policies while maintaining granular control over individual merchant fee schedules.

Business challenges addressed

Merchant Pricing helps partners manage complex fee structures across large merchant portfolios by:

• Standardizing pricing policies while supporting merchant-specific exceptions.
• Preventing unauthorized pricing changes through permission-based controls.
• Reducing pricing errors and revenue leakage.
• Simplifying pricing setup during merchant onboarding.

Key capabilities

• Define and maintain pricing standards using master templates.
• Create reusable pricing templates with specific fee policies (for example, minimum transaction fees).
• Configure merchant pricing plans with start and end dates.
• Set fees as either percentage-based rates or fixed amounts.
• Apply pricing templates across multiple merchants for consistency.

Use cases

1

Default pricing

A default pricing configuration automatically applies the pricing plan assigned to the partner hierarchy. This approach requires no additional configuration and supports fast, low-touch merchant onboarding.

2

Custom pricing

Custom pricing allows integrators to tailor rates and fees for individual merchants. This option provides flexibility when merchants require flexible pricing.

You can implement custom pricing by:

• Modifying fee values in an existing pricing template, or
• Creating a fully customized pricing plan based on retrieved templates

3

Empower pricing

Empower Pricing allows merchants to recover eligible credit card processing costs by passing compliant fees to customers. The system supports multiple pricing models based on merchant type, location, and accepted card brands.

Supported pricing models include:

• Cash Discount (Dual Pricing) – Offers a discount for cash, check, or store-branded gift card payments.
• Surcharging – Applies a fee to credit card transactions to recover processing costs.
• Convenience Fees – Charges fees for alternative payment channels, such as online or phone payments.
• Service Fees – Applies fees for eligible industries based on Merchant Category Code (MCC).

Architecture and Components

The Merchant Pricing structure follows a four-tier hierarchy:

1

Master template.

Defines pricing structure rules and prevents conflicting pricing models.

2

Pricing template.

Sets partner-level fee policies applied across merchants.

3

Pricing plan.

Assigns pricing to individual merchants with an active fee schedule and validity period.

4

Pricing fees.

Defines individual fees as percentage rates or fixed amounts.

Technical requirements

To configure merchant pricing, you need:

• Access to one of three configuration interfaces:

  • Hosted Merchant Onboarding for pricing setup
  • Partner Portal for manual pricing configuration
  • Merchant Onboarding API for programmatic pricing setup and management
• Understanding Pricing Types (Default, Custom, Empower)
• Basic understanding of payment processing fee structures (for example, interchange)

Related topics

• To understand how fees are calculated and deducted, see Merchant Billing and Funding.
• To learn how to set up pricing, see configure merchant Pricing Plans.
• For API details, see Pricing Plan and Reference API.