Rate Killers

10/27/2026

REAL AUDIT. CLEAR NUMBERS.

This Buyers Choice cash discount program audit shows:

Processing volume: $12,397.16
Fees paid by customers: $433.34
Transactions: 98
Card mix: Visa $9,433 • MC $2,421 • Amex $455 • Disc $88
Merchant cost: $30.00/month

In this program, customers cover processing fees and the merchant pays a flat monthly cost. That $30 cost stays flat at this volume, and at higher volumes, which can be a meaningful feature of how flat-cost programs scale.

It’s not the right fit for every business. Compliance requirements and customer experience matter.

This is a real audited result, not a quote or a standard outcome.

Processing $5,000+ per month? Try our free calculator at www.ratekillers.com. It works with or without a statement.

Actual results vary by volume, card mix, transaction type, and total fees.

10/26/2026

BIG INVOICE. BIGGER RATE? NOT SO FAST.

A single large project invoice can make your processing rate look higher than your business truly runs overall.

Contractors and project-based businesses often see more commercial cards, rewards cards, and card-not-present payments on larger invoices. That card mix can shift the wholesale cost.

So comparing two invoices is not the answer.

The honest math is:

TRUE EFFECTIVE RATE = TOTAL PROCESSING COST ÷ TOTAL CARD VOLUME

Example:
• Total monthly card volume: $100,000
• Total monthly processing cost: $2,040
• True effective rate: 2.04%

That 2.04% reflects that specific business’s volume, card mix, transaction types, transaction count, average ticket, and total fees.

A rate near 2% may be realistic for some businesses. It is never universal, and never a promise.

The only number that means anything is YOUR total cost divided by YOUR total card volume.

RateKillers provides transparent reporting, zero contracts, zero hidden fees, and simple automated onboarding, often in under 24 hours.

NO SAVINGS? NO SWITCH.

Processing over $5,000 per month? Run the numbers at www.ratekillers.com. Our free calculator works with or without a statement.

DM us “AUDIT” and get the real math. 🎯

Actual results vary by volume, card mix, transaction type, transaction count, average ticket, and total fees.

Free rate analysis tool + transparent interchange-plus pricing. Find out what your processor is really charging you.

10/26/2026

REAL AUDIT. REAL NUMBERS.

This is an audited result from the Buyers Choice cash discount program, not a quote and not RateKillers cost-plus pricing.

Processing volume: $11,377.89
Fees paid by customers: $409.32
Transactions: 414
Card mix: Visa $7,264 • MC $1,768 • Amex $1,063 • Disc $258
Merchant monthly cost: $30.00

In this program, customers cover the processing fees and the merchant pays a flat monthly cost. It can suit some businesses, but it’s not right for everyone. Compliance and customer experience matter.

RateKillers audits accounts monthly so the numbers stay visible.

Processing $5,000+ per month? Use our free calculator at www.ratekillers.com, with or without a statement.

Actual results vary by volume, card mix, transaction type, and total fees.

10/24/2026

THERE ARE TWO HONEST WAYS TO PAY FOR CARD PROCESSING. We run both.

Here are five real, anonymized monthly audit cards: two cash discount examples and three cost-plus examples. The numbers show the volume and fees, not just a headline rate.

CASH DISCOUNT / BUYER’S CHOICE
In these examples, customers cover the processing fees shown on the audit, and the merchant pays $30/month. That flat cost was the same at $11,377 and $12,397 in volume. That’s how a flat-cost program scales.

It’s a different pricing structure, not a discount off our cost-plus pricing. It also changes the customer experience at checkout and has compliance and disclosure requirements. It isn’t right for every business.

COST-PLUS
The merchant pays wholesale interchange and network costs, plus one visible markup. Effective rate = total fees ÷ card volume.

These audited examples landed at 2.25%, 2.15%, and 2.57%. The differences reflect card mix and transaction profile, not a different pricing model. In the 2.57% example, 40% of volume was business/corporate cards and 46% was rewards credit.

Neither model is automatically cheaper or better. A $30/month headline or a rate means little without the volume and total fees beside it. Compare both against your own numbers.

RateKillers audits accounts monthly. Zero contracts. Zero hidden fees. Transparent reporting. We recommend switching only when your numbers show measurable savings.

Try the free calculator at www.ratekillers.com. It works with or without a statement for businesses processing $5,000+/month.

Actual results vary by volume, card mix, transaction type, transaction count, average ticket, acceptance channel, refunds, adjustments, and total fees. These results are not a quote or a guarantee.

10/24/2026

16 transactions. $15,535.47 processed. Here’s the real audited result. 📊

Total fees: $364.91
$364.91 ÷ $15,535.47 = 2.35% effective rate.

That’s about $970.97 per transaction on average. A very high average ticket. With just 16 transactions, the fixed per-transaction portion weighs less in the overall rate. But one large rewards or commercial-card transaction can still move the blend.

This is a real audited result, not a quote. It’s one business’s numbers, not a standard rate or a promise of ~2% for every business.

We use transparent interchange-plus pricing, with zero contracts, zero hidden fees, transparent reporting, and a free monthly audit.

Processing $5,000+ per month? Use our free calculator at www.ratekillers.com, with or without a statement. 🔎

Actual results vary by volume, card mix, transaction type, and total fees.

10/23/2026

SAME PRICING. FIVE REAL AUDITS. 2.06% TO 2.57%. Volume doesn’t decide your rate. Your card mix does.

Effective rate = total fees ÷ card volume.

$78,099 in volume landed at 2.06%.

$66,288 across 1,926 transactions landed at 2.15%. A debit-leaning mix can carry lower wholesale costs, even with lots of swipes.

$15,535 across 16 transactions landed at 2.35%. With a high average ticket, the per-transaction portion weighs less. One large rewards or commercial card can still shift the blend.

$69,685 landed at 2.44%, with substantial card-present Amex volume. Not the lowest, and it doesn’t need to be. The owner can see why.

$140,214 landed at 2.57%: 40% business/corporate, 46% rewards credit, and 14% debit. That mix helps explain the higher rate. The audit says “Competitive rate,” not “Excellent rate.”

Lowest doesn’t automatically mean best. Highest doesn’t mean overcharged. These are not benchmarks, quotes, or guarantees. A rate without its card mix means very little, which is why we don’t compare your business to someone else’s mix.

RateKillers audits accounts monthly. Transparent interchange-plus pricing. Zero contracts. Zero hidden fees. Transparent reporting. We recommend switching only when your own numbers show measurable savings.

Run your numbers at www.ratekillers.com. Free calculator works with or without a statement for businesses processing $5,000+/month.

Actual results vary by volume, card mix, transaction type, transaction count, average ticket, acceptance channel, refunds, adjustments, and total fees.

10/23/2026

SMALLER VOLUME. 372 TRANSACTIONS. REAL AUDIT PROOF.

This account processed $15,126.54 and paid $340.63 in total fees.

$340.63 ÷ $15,126.54 = 2.25% effective rate.

Card mix shown: Visa $4,459 • MC $1,641 • Amex $220 • Disc $783.

With 372 transactions, fixed per-transaction costs carry more weight at this volume. Even so, 2.25% is a sensible result for this account size.

Smaller accounts can often land above the ~2% range. That’s why ~2% is not a standard or promise for every business. This is a real audited result, not a quote. Rate depends on actual volume, card mix, transaction type, and total fees.

We use transparent interchange-plus pricing, with zero contracts, zero hidden fees, transparent reporting, and a free monthly audit.

Processing $5,000+ monthly? Use our free calculator at www.ratekillers.com, with or without a statement. 📊

10/22/2026

A real audited result, not a quote.

$947.30 in total fees ÷ $43,598.37 in processing volume = 2.17% effective rate.

This account processed 78 transactions. With a relatively low transaction count, per-transaction costs are spread differently than they are for a high-count business.

That’s why the real number depends on the full picture: volume, card mix, transaction type, and total fees. 2.17% is this account’s result, not a standard rate or a promise for every business.

We use transparent interchange-plus pricing, with zero contracts, zero hidden fees, and transparent reporting. Ask RateKillers for a free monthly audit.

Processing $5,000+ per month? Use the free calculator at www.ratekillers.com, with or without a statement.

Actual results vary by volume, card mix, transaction type, and total fees.

10/22/2026

REAL AUDIT. REAL NUMBERS.

This business processed $78,099.04 across 138 transactions and paid $1,605.64 in total fees.

$1,605.64 ÷ $78,099.04 = 2.06% effective rate.

Card mix: Visa $45,489 • MC $26,047 • Disc $6,563.

This is a real audited result, not a quote or a guarantee. A roughly 2% effective rate is not universal. Your actual rate depends on your processing volume, card mix, transaction type, and total fees.

We help businesses understand the numbers with transparent interchange-plus pricing, zero contracts, zero hidden fees, transparent reporting, and a free monthly audit.

Processing $5,000+ per month? Try the free calculator at www.ratekillers.com. It works with or without a statement. ✅

Actual results vary by volume, card mix, transaction type, and total fees.

10/20/2026

ONE BLENDED RATE CAN HIDE A LOCATION-LEVEL DIFFERENCE.

Running two or more locations or merchant accounts?

Don’t judge every location by one combined percentage.

A single blended rate may look acceptable while one location quietly drags the average up, or down.

Different volumes, ticket sizes, transaction counts, and payment patterns can create very different processing costs.

Separate the numbers before making a decision.

For each location:

TRUE EFFECTIVE RATE = TOTAL PROCESSING COST ÷ TOTAL CARD VOLUME

Then compare location by location.

We can run a free statement audit or free rate calculator check for each location. No statement? No problem.

A rate near 2% may be realistic for some businesses. It is never universal and never a promise.

Actual results depend on volume, card mix, transaction type, transaction count, average ticket, and total fees.

At RateKillers:

NO SAVINGS, NO SWITCH.

Zero contracts.
Zero hidden fees.
Transparent reporting.
Simple automated onboarding, often under 24 hours.

For businesses processing $5,000+ monthly, run the free calculator at www.ratekillers.com, with or without a statement.

Own multiple locations? Separate the numbers. Comment AUDIT or hit the link. 📊

Actual results vary by volume, card mix, transaction type, and total fees.

Free rate analysis tool + transparent interchange-plus pricing. Find out what your processor is really charging you.