Plain-English breakdowns of fees, pricing models, and industry practices so you can make smarter decisions for your business.
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A December Surprise Lena Found the Charge on a Tuesday Night Marco and Lena Reyes opened their café three years ago on a quiet block in East Nashville. Marco runs the floor. Lena runs the books. Every Tuesday after close, she sits at the back two-top with a glass of wine and reconciles the week […]
Read Article →Fees & Interchange Why Your B2B Clients Shouldn’t Pay By Credit Card. And Why a Growing Number of Them Won’t. On a $10,000 B2B invoice, credit card processing costs the merchant $250 to $350 in fees. ACH costs $50 to $100. That’s a $200 to $300 gap. Per invoice. Every invoice. On a B2B operation […]
Read Article →Fees & Interchange 34% Surcharged in 2025. Now It Is 35%. The Question Isn’t Whether You Should — It’s Whether You Can Afford Not To. Small business surcharge adoption in the United States has tripled in twenty-four months. Six years ago, almost no small business in the United States passed credit card processing costs to […]
Read Article →Industry Insights Dr. Mira Adair Picked Open Dental Specifically to Avoid Captive Payments. She Was Still Paying a Captive-Payments Rate. The fastest way to reduce Open Dental payment processing fees has almost nothing to do with the software itself. It has to do with which payment partner you signed up with the day the practice […]
Read Article →Industry Insights Dentrix runs the practice. Dentrix Pay runs the cost of accepting payments — and as Dr. Lin’s average case value climbed from $400 to $1,800, his processing bill scaled faster than his revenue. Here’s how to reduce Dentrix payments fees without giving up the software your team built around. Dr. Lin took over […]
Read Article →Industry Insights Dental practice management software is sticky for good reason — switching costs are real and the workflow integration matters. But Eaglesoft Payments costs Dr. Reyes 1.1% more than her merchant account would have. Here’s the math, and how to reduce Eaglesoft payments fees without leaving the software your team trained on. Dr. Reyes […]
Read Article →Industry Insights Dr. Holloway Was Paying CT Payments 3.34%. The Higher His Care Plans Got, the More It Cost. The search to reduce CT Payments fees usually starts the same way for chiropractors on ChiroTouch — not with a statement audit, but with a sale. A patient walks out the door having paid eighteen hundred […]
Read Article →Fees & Interchange Eitan’s Markup Hadn’t Changed in Four Years. His Effective Rate Climbed 43 Basis Points Anyway. Why is my processing rate increasing — that was the question Eitan Cohen called his processor demanding to answer. Eitan runs Levantine Pantry, a specialty Mediterranean and Middle Eastern grocery store on Harvard Street in Brookline, Massachusetts. […]
Read Article →Industry Insights Valeria’s Salon Was Paying Vagaro 3.04% on a Rate She Thought Was 2.2%. Valeria Restrepo runs a six-chair full-service hair salon in Raleigh’s North Hills district. Color specialists, balayage, keratin treatments, and a small medical-spa room in the back where one of her stylists does brow microblading and facials on a contractor schedule. […]
Read Article →Industry Insights Marco’s Bike Shop Was Paying Lightspeed $2,700 a Month in Card Fees. Roughly $425 of It Was Avoidable. Marco Bellini runs a high-end bicycle shop in Portland’s Hawthorne district. Custom road builds, gravel bikes for the weekend warriors, electric commuter conversions for the West Hills tech crowd. Average ticket: $1,840. His shop has […]
Read Article →Human Nature Fifteen Months of $19.95: The PCI Non-Compliance Fee Priyanka Didn’t Know She Was Paying Priyanka Shah opened her solo internal medicine practice in Frisco, Texas in February 2025. She was thirty years old, four years out of residency, and tired of being told by hospital administrators which patients she could spend time with. […]
Read Article →Fees & Interchange Walter Janik Crossed the AmEx Direct Merchant Agreement Threshold. His Processor Got Nervous. Walter Janik runs a commercial carpet and upholstery wholesale operation in Parma, Ohio. Third generation. His grandfather started it in 1949, his father took it through the 1970s and 1980s, and Walter took over in 1989. He is sixty-seven […]
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