---
title: "Unpacking Interchange: Hidden Costs and Pricing Strategies"
description: In this episode, James Shepherd sits down with payments expert Kyle Morgan to break down the complexities of interchange and uncover the latest pricing tactics used to increase margins.
image: https://www.ccsalespro.com/hubfs/featured%20image-2.png
---

# Unpacking Interchange: Hidden Costs and Pricing Strategies

In this episode, James Shepherd sits down with payments expert Kyle Morgan to break down the complexities of interchange and uncover the latest pricing tactics used to increase margins.

[ James Shepherd ](https://www.ccsalespro.com/podcast/author/james-shepherd)

 Jan 31, 2025

---

In this episode, James Shepherd sits down with payments expert Kyle Morgan to break down the complexities of interchange and uncover the latest pricing tactics used to increase margins. From hidden fees to interchange padding and optimization, this discussion sheds light on how processing costs are structured and what ISOs and agents need to know. Whether you’re new to interchange or looking for advanced insights, this episode is packed with valuable information. Plus, Patti Murphy provides an update on Visa Direct’s push for instant payments.

[Merchant Sales Podcast](https://soundcloud.com/merchant-sales-podcast) · [Unpacking Interchange: Hidden Costs and Pricing Strategies](https://soundcloud.com/merchant-sales-podcast/unpacking-interchange-hidden-costs-and-pricing-strategies/s-ZscitgdvDNa)

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