06/09/2026
Quick one for the owners here. You can find your real card processing rate in about 60 seconds, and most people are surprised by the number.
Add up every fee on last month's processing statement. Divide that by your total card sales for the month. That percentage is what you are actually paying, not the rate you were quoted when you signed.
Two of the three fees behind it are the same no matter which processor you use. The third is your processor's markup, and that is the part that quietly creeps up over the years. It is also the only part anyone can negotiate.
Happy to be a second set of eyes. I read statements for free and circle where the markup is hiding, no pitch. Drop a comment or send me a message.