Processing costs vary significantly by business type. Select your industry below to see average rates, hidden fees, and how much you could save with interchange-plus pricing.
Credit card processing fees are not one-size-fits-all. Your industry, average transaction size, card-present vs. card-not-present ratio, and chargeback risk all influence your effective rate. Restaurants typically process high volumes of small card-present transactions, while medical practices handle fewer but larger payments that often include card-on-file billing. Retail stores see heavy debit card usage where regulated interchange saves money, and salons process a mix of service-based transactions with varying ticket sizes. Auto repair shops handle large individual repairs where even small rate differences translate to significant monthly savings. Understanding your industry benchmarks is the first step to identifying whether you are overpaying.
Restaurants typically pay 1.4% to 3.5% in processing fees. High card-present volume and tip adjustments create unique cost factors. See how interchange-plus pricing reduces your monthly costs.
Calculate Processing FeesRetail stores benefit from high debit card usage where regulated interchange is just 0.05% + $0.21. Flat-rate processors charge the same rate regardless, costing you thousands annually.
Calculate Processing FeesSalons process a mix of lower-ticket services and higher-ticket packages. Booking platforms often bundle payment processing at premium rates that are difficult to negotiate.
Calculate Processing FeesAuto repair shops handle large transactions ($200 to $2,000+) where even small rate differences create significant dollar savings on every repair paid by credit card.
Calculate Processing FeesMedical practices process copays, procedure payments, and patient balances. High average transaction sizes mean even small rate improvements save significant money each month.
Calculate Processing FeesOur team will analyze your statement line by line and show you exactly how much you could save with optimized interchange-plus pricing.
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