Plain-English breakdowns of fees, pricing models, and industry practices so you can make smarter decisions for your business.
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Page 10 of a Public PDF Small Business Interchange Rates Are Published. They Are Lower. And You May Not Be Getting Them. Small business interchange rates are not the same as everyone else’s — Visa publishes a separate, lower schedule for merchants under $280,000 in annual Visa consumer credit sales. It is called the Small […]
Read Article →Two Published Numbers Software Payment Processing Fees Are Published. So Is Interchange. Nobody Puts Them Side By Side. Software payment processing fees are not a secret. Jobber publishes its rate. So do Mindbody, Vagaro, Dentrix, ServiceTitan, QuickBooks and every other platform that bundles payments into the software you already run your business on. You can […]
Read Article →The Two Months That Matter Interchange Has a Schedule. Your Processor Hopes You Don’t Know It. Interchange rate changes are not a mystery, a surprise, or a moving target. Visa and Mastercard update their interchange tables on a published schedule, twice a year: April and October. That’s the whole calendar. Which means the single most […]
Read Article →For Dry Cleaner Owners You Do the Work First and Get Paid Second Almost every retail business collects at the moment of sale. A dry cleaner doesn’t. The customer hands you a suit on Tuesday, you clean it, press it, bag it, and hang it on the rack — and then you wait. You’ve spent […]
Read Article →The Pitch You’ve Heard Zero Cost Processing Is Not Zero Cost Somebody has called your business and offered you zero cost processing. Free credit card processing. Zero-fee merchant services. The names change; the pitch doesn’t. Stop paying processing fees, keep 100% of every sale, sign here. It isn’t a scam, and the savings are real. […]
Read Article →For Pizza Shop Owners You’re Negotiating the Wrong Fee Every pizza owner has haggled with a processor over a tenth of a point. Almost none have run the same math on the delivery app, and the delivery app is charging them six times more. That’s the strange thing about pizza shop payment processing. It is […]
Read Article →For Foundation Contractors The Trade Where the Card Isn’t the Main Rail Foundation repair payment processing works differently from almost every other trade, and the reason is simple arithmetic. A pier-and-beam stabilization runs $8,000. A full underpinning job runs $25,000 or more. Nobody hands you a Visa for that. They don’t have the limit, and […]
Read Article →For Tire Shop Owners Nobody Walks In Planning to Spend $1,100 Tire shop payment processing has a problem most auto businesses don’t. A set of four tires is a big ticket, and it is almost always an unplanned one. Your customer didn’t budget for it. They found out this morning, at the curb or in […]
Read Article →For Quick Lube Owners The Cards You Want Most Cost You Most Oil change payment processing looks simple from the bay. Cars come in, the ticket is $70 to $110, the card taps, the car leaves. Do that thirty-five times a day and the fees add up to real money — roughly $30,000 a year […]
Read Article →For Merchants Fighting Disputes The Chargeback You Prevent Is Free Chargeback prevention is the part of dispute management most merchants skip, because it’s less satisfying than winning a fight. But the math is lopsided: a chargeback you prevent costs nothing, while a chargeback you fight costs you around $150 on a $95 sale whether you […]
Read Article →For HOA Boards & Managers The Charges Nobody on the Board Priced HOA amenity payments are the small, constant charges most boards never think of as a payment problem: the guest pass, the pool fee, the clubhouse deposit, the replacement gate fob, the tennis-court booking. Each one is tiny, most are paid online through a […]
Read Article →For Detailing Owners The Ticket Is Big. The Fee Depends on How It’s Booked. Auto detailing payment processing isn’t a small-ticket problem like a coffee counter. A full detail is a real ticket — $200, $300, sometimes $500 for a ceramic coat — so the flat 30¢ per swipe barely registers. What matters at that […]
Read Article →For Bakery Owners The Fee That Hides in a $6 Ticket Bakery payment processing looks cheap right up until you do the math on a single croissant. The rate on your statement isn’t the number that hurts you — the fixed fee stapled to every swipe is. A bakery runs on hundreds of small tickets […]
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