A small convenience store is likely to have a lot of very small transactions. When you use this credit card to buy a pack of gum, the purchase often qualifies as a "convenience purchase" transaction. These transactions are charged with much lower per-item processing fees. However, for this credit card, the store would still pay the normal $0.32 per transaction, with a 3.500% percentage-based fee. Purchases like these using this credit card can be very costly to small merchants, because the per-item fee consumes a larger portion of their profits on the sale.

Using your card to buy a sandwich at a restaurant will trigger an Interchange fee rate of 3.500%, with a per-item fee of $0.07. This rate is lower than the Standard credit card rate, because restaurant businesses that swipe the customer's card can qualify for a better rate. For small transactions like this, the total $0.27 per-item fee is often more costly to the merchant than the percentage-based fee.

When you order a Pizza for delivery, the pizzeria is charged an Interchange rate of 3.500%, with a per-item fee of $0.07. However, the processor markup raises the overall fees that the merchant will pay by as much as 0.000%. This is one of the higher rates, because the merchant does not have access to the card at the time of the transaction. Orders placed over the phone are especially costly to the merchant if they do not verify your address.

Per-item processing fees are lower for transactions at automated fueling stations, because of the large volume of transactions at service station relative to the transaction size. A typical per-item fee when you swipe your card at a fueling station would be $0.17. However, gas stations also pay approximately 3.500% in percentage-based fees.

When you make a purchase online, the Interchange fee rates are generally higher due to the risk of fraud. Typical total rates for online retailers for a purchase of this type are 3.500%. This rate assumes that the online retailer uses Address Verification (AVS), which is a fraud-protection measure that qualifies the merchant for lower rates.

Large Grocery chains are able to negotiate lower rates for their Credit Card Processing. In addition, very large grocery stores qualify for "tiered pricing", in which they receive discounted rates if the total transaction volume exceeds a certain threshold. Thus, the percentage-based fee that a supermarket chain, like Jewel/Osco, might pay is approximately 3.500%.

Public utilities often get special credit card processing rates, due to their large transaction volume and government-protected status. The utility company often only pays a flat per-item transaction fee and no percentage-based fees. However, for this credit card, the utility would pay a rate of 3.500%, with a per-item fee of $0.08.

Airlines often get special pricing for Credit Card Processing. Their rates tend to be slightly lower than retail rates.

Retail stores such as BestBuy get lowered Interchange rates, as long as they swipe your credit card in-person. Typical total rates for a large purchase such as a new HD TV would be 3.500%. For large purchases like this, the per-item fee is much less significant to the merchant than the percentage-based fee.