Does Synapse support interchange processing?

Yes, we support interchange processing for both debit and credit transactions (to pull from or push to a card) via credit or debit cards. This feature helps platforms fund user accounts via card or send disbursements back to the users' cards.

Note that, unlike many card processing services, your platform will not be the merchant of record. Instead, our partner bank will be the merchant of record (so you aren't transmitting funds).

Additionally, we give you pass through costs on debit/credit transactions, so you can make money on the spread.

Adding support for interchange is straightforward:

  1. Create an INTERCHANGE-US node (
  2. Create a transaction either from or to the INTERCHANGE-US node (

Supported networks:

  • Visa
  • Mastercard
  • Discover
  • American Express

For more information, please contact our team (



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