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Small Business Guide to No-Fee Credit Card Processing

EBizCharge

If you’re running a small business, you know the drill: every card swipe chips away at your bottom line. Those credit card processing fees—often 2% to 4% per transaction—may not sound like much at first, but over time, they add up. That’s why more and more business owners are asking about no-cost credit card processing.

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The Price of Convenience: Is There Such a Thing as Free Credit Card Processing?

Stax

This is typically achieved through a surcharging model, where a small fee is added to the customer’s total when they pay by credit card. This way, the business can recover the fees that would otherwise chip away at their margins. Colorado, for example, caps surcharging rates at 2% or the actual costs the business pays for processing.

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Stay Aware and Protect Against Hidden Charges

Segpay

Try negotiating caps after volume thresholds or bundled transaction pricing. Don’t let opaque charges chip away hard-earned revenues. Costs for authorizations, captures, batch settlement entries, decline fees, and other lifecycle events nickel and dime merchants. Master processing fee literacy and negotiate accountability.

IRS