Hydrogen pays out the highest interchange rates in the industry. The more you spend on the cards, the higher your interchange revenue share is! Plus, we give special bonuses for new customers.
Please find our most up to date interchange share percentages below:
Updated as of December 1st, 2021
Consumer BIN Cards
$0k - $99,999 in monthly volume: you will earn 0.50% cash back on all eligible transaction volume (some exclusions apply) on Consumer BINs (e.g. brand loyalty or fintech app cards) in that month.
$100,000 - $999,999 in monthly volume: you will earn 0.75% cash back on all eligible transaction volume (some exclusions apply) on Consumer BINs (e.g. brand loyalty or fintech app cards) in that month.
>$1 Mil in monthly volume: you will earn 1% cash back on all eligible transaction volume (some exclusions apply) on Consumer BINs (e.g. brand loyalty or fintech app cards) in that month.
Business BIN Cards
$0k - $99,999 in monthly volume: you will earn 1% cash back on all eligible transaction volume (some exclusions apply) on Business BINs (e.g. business payment or marketing expense cards) in that month.
$100,000 - $999,999 in monthly volume: you will earn 1.5% cash back on all eligible transaction volume (some exclusions apply) on Business BINs (e.g. business payment or marketing expense cards) in that month.
>$1 Mil in monthly volume: you will earn 2.0% cash back on all eligible transaction volume (some exclusions apply) on Business BINs (e.g. business payment or marketing expense cards) in that month.
Bonuses
If you refer a customer to us that spends $10,000 or more in their first 90-days on the platform, we will pay you a 5% bonus ($500) on the first $10,000!
Terms and Conditions
This interchange will be paid out to you in your reserve account within 30-days of the end of each calendar quarter. You will be responsible for filing and paying all local, state, and federal taxes related to the revenue you receive. Hydrogen can change the interchange share table at any time, at our sole discretion. Interchange is only paid on eligible transactions settled over the Visa or Mastercard networks. Transactions completed over the ACH network (e.g. bill pay) are not eligible. These rates do not apply to the Transform pricing plan. Please talk to your customer success manager to get a custom quote for Transform.