Payment Processing by Industry
Payment processing by industry is not a marketing category — it is a real difference in where the money leaks. A coffee shop is bled by a fixed per-transaction fee that a roofing contractor never notices; a roofing contractor is bled by a percentage rate that would barely register on a $4 latte. Federal Reserve interchange data shows how far the underlying cost of a card swipe varies before a single processor markup is added.
The software your industry runs on — the POS, the practice-management system, the field-service app — is very often the thing that quietly chose your processor and set your rate. That is the pattern these pages exist to expose.
Payment Processing by Industry — Find Your Fee Mechanic
Below is every industry we have written about, grouped by the way the money actually moves rather than by what the business is called. Find yours. Each page explains the one fee mechanic that costs that industry money — and what to do about it, including the cases where the honest answer is to change nothing.
Restaurant Merchant Services
Retail Merchant Services
Auto Payment Processing
Contractor Merchant Services
Healthcare Merchant Services
Salon & Spa Payment Processing
Club Payment Processing
Professional Services Merchant Account
B2B, Manufacturing & Wholesale
Property, HOA & Storage
Funeral & Memorial
Government Payment Processing
High Risk Payment Processing
Frequently Asked Questions
No. We write about payment processing by industry only where an industry has a distinct fee mechanic worth its own explanation — not because those are the only businesses we place. If yours is not listed, the pricing still works the same way: send a statement, and we will tell you what you are actually paying and whether it can be improved.
It is not, and you can check that in about a minute. Compare the coffee shop page (the fixed per-transaction fee is the whole story) with the foundation repair page (which tells contractors to move big jobs off cards entirely — revenue we do not earn). If two pages would have said the same thing, we did not write the second one.
High risk is a classification your processor applies, not a judgement about your business — and it drives your rate, your reserve, and whether your account survives. The high risk payment processing page explains how the classification works. If you have been dropped by an aggregator like Square or Stripe, that is usually the reason.
Find out what your industry is actually costing you.
Payment processing by industry only tells you where to look. Your statement tells you what you are actually paying.
Send one processing statement. We calculate your true effective rate, show you which line items are real costs and which are markup, and tell you what a better structure would look like at your actual volume — including when the honest answer is that your current deal is already good and you should stay where you are.
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