Multiple entities are responsible for the complete end-to-end processing of your credit card transactions. These include the card associations (MasterCard and VISA), a card-issuing bank, a processing bank, a service organization, a telecommunications network, and a settlement bank. Your pricing or discount rate reflects the various fees earned by each of the parties to enable you to securely accept credit cards. Interchange fees affect all industries and are evaluated annually based on an analysis of industry costs and economic conditions. Although Interchange fees are applied to all credit card processors equally, they fluctuate in amount based on a variety of factors. Discuss these with your sales representative to find out what options your business may have.