Plain-English breakdowns of fees, pricing models, and industry practices so you can make smarter decisions for your business.
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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 […]
Read Article →Risk & Fraud Prevention A chargeback fee is what your processor charges you the moment a cardholder disputes a transaction with their bank. It is separate from the transaction amount being clawed back. It is separate from the dispute outcome. It arrives before you know anything is wrong, and in most cases it is not […]
Read Article →Fees & Interchange Most merchants believe ACH is free. Or close to it. The assumption makes sense — ACH moves money directly between bank accounts without touching the card networks, so there is no interchange, no Visa, no Mastercard, no assessment fees. It feels like it should be cheap. It is cheaper than card processing. […]
Read Article →Industry Insights Arjun called me on a Tuesday morning in March. He runs a CBD and hemp retail shop in Denver — the kind of store with apothecary jars on warm wood shelves, a full product catalog, and a steady book of regulars who have been shopping there since it opened. He is careful with […]
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