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Do EBT cards have interchange fees?

No, EBT sales have no underlying interchange rates. As they're backed by the federal government, the only fees you pay are a per-transaction cost to your processor.

EBT sales are fully funded by the US government. They are designed to assist low-income citizens, and since issuing banks don't have to worry about risk/fraud, there simply are no interchange fees to pay. When an EBT sale is processed, you're funded for it just like normal, and in the background, your processor handles the transaction with the federal government. But from a merchant perspective, it's invisible. EBT sales work the same way, they just don't have interchange/association fees, nor do they get disputed. 

It's important to note, you'll still have a per-transaction fee to process EBT payments, that you'll pay to your processor. It'll depend on your contract, but most processors only charge a modest fee (between 10¢ and 35¢ per transaction) to process EBT payments.

At AND, your transaction fee is the same for all transactions. You can review our plans here and either pay 15¢, 7¢, or 5¢ per sale depending on your volume.

We're serious about saving money.

AND is dedicated to getting your processing rates as close to zero as possible. We utilize membership pricing along with cash discounting and surcharging programs to maximize savings. Let our analysts review your statements and see how much money we can put back in your pockets. 

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