Apparel is one of the cleanest verticals in payments — yet most activewear brands sit on flat-rate processors priced for the riskiest merchant on the platform. WRFS puts lower-risk brands on interchange-plus pricing that reflects what they actually are.
Your brand is growing, your chargebacks are low, your customers are loyal — and you are paying the exact same rate as the platform's sketchiest merchant. Flat-rate pricing is simple. It is also a subsidy flowing from clean brands like yours to everyone else.
Card-brand interchange passes through at cost. The margin is published, tiered and drops as volume grows.
Affirm, Klarna and payment plans turn a $70 cart into a $180 cart — standard equipment for apparel.
Capture card-paying customers across Latin America, the Caribbean and beyond without wire-transfer friction.
Apparel means returns and the friendly fraud that rides along. Dispute alerts and representment keep it contained.
Flat-rate processors charge every merchant as if their risk were identical. On debit cards and basic credit — most of an apparel brand's mix — the true interchange cost can run well below the flat rate you pay. That spread is pure margin for the processor.
On interchange-plus, the spread comes back to you. On meaningful volume, the difference is a marketing budget, a new hire, or a product line — every single year. Six months of statements is all it takes to see your exact number.
Interchange-plus, published up front. Card-brand interchange passes through at cost — the WRFS margin is the only variable, and it drops as volume grows. No teaser rates, no surprise mark-ups buried on page four of a statement.
| Monthly Volume | Per Transaction | Rate |
|---|---|---|
| $0 – $50K / moGetting started | $0.25 | IC + 1.10% |
| $50K – $150K / moScaling | $0.20 | IC + 0.95% |
| $150K – $500K / moEstablished | $0.15 | IC + 0.85% |
| $500K+ / moTalk to the team | — | Custom pricing |
Rates shown are representative interchange-plus pricing for qualified activewear merchants and are confirmed at underwriting based on processing history and risk profile. Interchange and card-brand fees are passed through at cost.
A short, practical guide to what apparel brands overpay for and how to fix it — flat-rate math, BNPL strategy and international acceptance. Drop your email and get it the day it ships.
“They explained our own statement to us better than our old processor ever did. Transparent pricing turned out to mean exactly that.”
Upload the last 6 months of PDF statements. WRFS maps your card mix against interchange-plus pricing and shows the exact spread — no commitment, no obligation to switch.
Upload up to 6 PDFs with basic contact details.
Pricing, disputes, refunds, reserves and processing fit are checked.
Plain-English findings and available options. No commitment, no obligation to switch.