Plain-English breakdowns of fees, pricing models, and industry practices so you can make smarter decisions for your business.
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Merchant Tips Beth Parsons runs a kitchen supply store in Raleigh. Good knives, cast iron, specialty cookware — the kind of shop where the staff has actually cooked with everything on the shelf. She does about $28,000 a month in card volume. Her merchant services contract renewal notice arrived on a Tuesday in February. Envelope […]
Read Article →Industry Insights Luis Vargas runs an HVAC company in Albuquerque. Four technicians, residential and light commercial work, about $45,000 a month in card volume during the summer peak. ServiceTitan runs his business — scheduling, dispatch, invoicing, customer history. When ServiceTitan rolled out its built-in payments feature, Luis enabled it. The integration was seamless. He never […]
Read Article →Industry Insights Teresa Okafor has run a five-bay auto repair shop in Memphis for eleven years. Brakes, transmissions, oil changes, a handful of fleet accounts from a local delivery company. She does about $28,000 a month in card volume. When I sat down with her last quarter, she opened Tekmetric on her laptop and showed […]
Read Article →Industry Insights The search for how to reduce Jobber payment processing fees almost always starts the same way — not with a bad month, just a normal one, where everything went right, and the processor still collected more than a thousand dollars from revenue that was already earned. Andre Mitchell runs Mitchell Plumbing Services out […]
Read Article →Industry Insights Reduce QuickBooks payment processing fees is a search most small business owners run for the first time after they have already been paying too much for a year or two. According to Intuit’s published QuickBooks Payments pricing, the default invoiced rate is 2.9% + $0.25 per transaction. The frustrating part is not the […]
Read Article →Industry Insights Marco Delgado runs a six-bay auto repair shop in San Antonio. Brakes, transmissions, fleet work for a couple of local plumbing companies. He does about $55,000 a month in card volume — mostly debit, some corporate fleet cards, the occasional $3,000 engine rebuild on a Visa. His North American Bancard complaints started six […]
Read Article →Fees & Interchange Tom Kessler runs a two-operatory dental practice in Fort Worth. Cleanings, crowns, a few implant cases a month. He does about $65,000 in card volume — not because his patients love paying with plastic, but because insurance reimbursements take six weeks and the practice has to float the difference. Credit cards keep […]
Read Article →The Paperwork at the Back of the Binder Ray Thompson opened a drawer at Third Watch Brewing on a slow Tuesday afternoon and pulled out the binder his sales rep had left him three years earlier. He had signed a 36-month lease for six Clover devices — two Clover Minis at the taproom bar, a […]
Read Article →The Statement That Started It Diego Reyes opened his CardConnect statement on a Wednesday in March. He had two hundred leather wallets waiting to ship and was running payroll for three part-time stitchers that week. What he expected to see was the usual processing fee — around 2.6% of the $48,000 he had run through […]
Read Article →Fees & Interchange A merchant services early termination fee is the single most effective tool a payment processor has for keeping merchants who have already decided to leave. Not because it is a lot of money in absolute terms — usually $250 to $500, sometimes $1,800 on the worst contracts — but because it is […]
Read Article →Industry Insights Most HOAs have a way to collect dues and no real way to collect anything else. Amenity reservations, vendor access fees, guest passes, clubhouse rentals — the revenue ends up in paper binders, Venmo screenshots, and cash envelopes that sometimes close the loop and sometimes do not. A full hoa fee collection system […]
Read Article →Fees & Interchange When a client hands you a year of merchant processing statements at tax time, you are looking at one of the most opaque line items on the P&L. Processing fees show up aggregated in QuickBooks as one number, but that number is built from 30 to 60 individual merchant statement line items […]
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