ValPay allows partners to configure pricing separately for Consumer and Commercial cards during onboarding. This gives you flexibility to align pricing with different card types and transaction risk profiles.
🧾 Consumer Card Pricing (Default)
Consumer cards are personal credit and debit cards issued to individual cardholders. These cards are enabled by default during onboarding.
Consumer Card Pricing Setup
In the onboarding portal, partners configure the following rates for Consumer cards:
Card-Present Transactions
Card-Present Rate
Transaction Fee
Card-Not-Present (CNP) Transactions
Card-Not-Present Rate
Card-Not-Present (CNP) Transaction Fee
Cross-Border Transactions
Cross-Border Fee
(Applied when the card is issued outside the merchant’s country)
These rates apply to Visa, Mastercard, Discover, and other supported card networks, based on your configuration.
🏢 Commercial Card Pricing (Optional)
Commercial cards are issued to businesses, government entities, or organizations. Examples include:
Corporate cards
Purchasing (P) cards
Business expense cards
Commercial cards often carry different interchange costs, which is why pricing is configured separately.
Unlocking Commercial Cards
Commercial cards are not enabled by default.
To accept Commercial cards:
Partners must explicitly unlock Commercial Cards in the onboarding portal
Separate pricing must be defined before these cards can be processed
Commercial Card Pricing Setup
Once unlocked, partners configure the same pricing categories as Consumer cards, but with Commercial-specific rates:
Card-Present Transactions
Commercial Card-Present Rate
Commercial Transaction Fee
Card-Not-Present (CNP) Transactions
Commercial Card-Not-Present Rate
Commercial CNP Transaction Fee
Cross-Border Transactions
Commercial Cross-Border Fee
This allows partners to reflect the higher or variable costs often associated with Commercial card acceptance.
⚖️ Key Differences at a Glance
Category | Consumer Cards | Commercial Cards |
Default availability | Enabled by default | Must be explicitly unlocked |
Cardholder type | Individual consumers | Businesses & organizations |
Pricing configuration | Required | Required (separate from Consumer) |
Card-present rates | Yes | Yes |
Card-not-present rates | Yes | Yes |
Cross-border fees | Yes | Yes |
Typical interchange cost | Lower | Often higher |
🧭 Why Separate Pricing Matters
Separating Consumer and Commercial pricing allows partners to:
Accurately reflect underlying card network costs
Avoid underpricing higher-cost Commercial transactions
Maintain predictable margins across card types
Offer flexible pricing aligned with merchant risk and volume
Not all merchants need Commercial card acceptance, so enabling it should be a deliberate decision.
📌 Important Notes
Pricing applies per card network (Visa, Mastercard, Discover, etc.) based on your setup
Rates and fees must be configured before transactions can be processed
Commercial cards will not be accepted unless explicitly enabled
❓ Need Help?
If you’re unsure whether Commercial cards should be enabled for your merchants, or need help configuring pricing, contact your ValPay Partner Manager or reach out to support@valpay.com.