Interchange categories

A computer-implemented method,

• comprising:
• analyzing a group of transactions associated with a client to determine a respective interchange category that each transaction of the group of transactions is assigned to;
• determining, with a computing device, that at least one transaction of the group of transactions is assignable to one or more different interchange categories by changing at least one behavior implemented by a merchant as part of transacting the at least one transaction, the merchant being associated with the client and the at least one behavior being used to determine to which interchange category the at least one transaction is assigned, the one or more different interchange categories having a lower cost than the respective interchange category;
• and
• reporting information about changing the at least one behavior for receipt by at least one party associated with the merchant.

One or more computer-readable storage media having computer-readable instructions stored thereon that, when executed by a computing device, cause the computing device to:

• receive an indication that a credit transaction is assigned to a first interchange category;
• determine a procedure change capable of causing the credit transaction to be assigned to a second interchange category, the second interchange category having a lower fee than the first interchange category and the procedure change being associated with a procedure implemented by a merchant as part of transacting the credit transaction;
• calculate a potential fee savings based on the credit transaction being assigned to the second interchange category instead of the first interchange category;
• and
• report one or more of the procedure change or the potential fee savings for receipt by the merchant.