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Credit Card Processing Fees
When it comes to accepting credit card payments, it's hard to know exactly what you're going to pay in transaction fees
Interchange Fees
Fees paid to the bank that issues the customer's credit card. Interchange rates vary by industry, card type, the riskiness of the transaction, and many other factors.

Interchange fees are set by the card issuing bank and are non-negotiable.
Assessment Fees
Fees paid to the card associations such as Visa, Mastercard, or Discover. Assessment fees vary by card type (credit or debit), transaction type (authorization, sale, refund), and verification services like AVS.

Assessment fees are set by the card networks and are non-negotiable.
Markup Fees
Fees paid to the credit card processor or merchant service provider. Markup fees vary significantly from one provider to the next. Factors such as personal credit, time in business, and many other factors contribute to the markup.

Markup fees are the only negotiable element of your credit card processing fees. However, they are only negotiable to a point.
Think You're Paying Too Much for Your POS System?
If you already have a merchant account, make sure the fees are reasonable and competitive. Upload your merchant statement and our experts will provide a free analysis.