Your payment processor quoted you 2.3%. But your actual effective rate is 3.1%. Where's the extra 0.8% coming from?
Hidden fees. Here are the seven most common ones:
1. PCI Non-Compliance Fee ($20–$100/month)
If you haven't completed your annual PCI compliance questionnaire, your processor charges a monthly penalty. Some processors make the process deliberately confusing to keep collecting this fee. Annual cost: $240–$1,200.
2. Batch Fee ($0.10–$0.25/batch)
Charged every time your daily transactions "settle" (usually once per day). At $0.25/batch x 365 days: $91.25/year. Small but unnecessary.
3. Statement Fee ($5–$15/month)
A charge for generating and delivering your monthly statement. In 2026, this is a pure profit fee. Annual cost: $60–$180.
4. Account Maintenance Fee ($10–$25/month)
A vague "maintenance" charge with no clear service attached. Just padding. Annual cost: $120–$300.
5. Authorization Fee ($0.01–$0.10/transaction)
A per-transaction charge on top of your quoted rate and per-transaction fee. On 2,000 transactions/month at $0.05/each: $1,200/year.
6. Annual Fee ($50–$300)
Some processors charge an annual account fee. Often buried in the contract terms. Annual cost: $50–$300.
$2,341
|
Get Started
The first step to reducing your processing costs is understanding exactly what you are paying today. Request a free statement analysis and we will show you a side-by-side comparison of your current costs versus what you could save with Network Offset Pricing.