Six proven steps to reduce — or completely eliminate — the fees eating into your margins.
Divide total monthly fees by total card volume. Anything above ~2.3% means there is room to save. Use our effective rate calculator to find yours.
Effective rate calculator →Flat-rate and tiered pricing hide markups. Interchange-plus shows the true cost plus a transparent margin, which usually saves money.
Interchange-plus explained →A compliant dual pricing or cash discount program can remove most processing fees entirely by offering a cash price and a card price.
Dual pricing & cash discount →PCI non-compliance fees, batch fees, and monthly minimums quietly inflate your bill. Audit your statement and renegotiate or eliminate them.
Debit cards and ACH cost far less than rewards credit cards. Steering toward cheaper methods reduces your blended rate.
Settling daily, capturing AVS/CVV data, and avoiding keyed-in transactions all reduce downgrades that raise your costs.
Send us a recent statement and we'll show you exactly how much you can cut.