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Every credit card and merchant account provider has a different set of costs associated with its services. Some of them are unavoidable, but others can be negotiated. Remember to choose interchange-plus, and keep in mind that most of the flat fees can be negotiated. The goal of understanding a monthly processing statement is being able to answer the following questions:

• How much am I paying in base cost?

• How much am I paying in markups?

• Can I lower base costs?

• Is my markup competitive?

Each of these components is crucial to ensuring that you're saving as much as possible for credit card processing. With that in mind, there are several processors out there that are very transparent with their fees and are more than happy to answer these questions with confidence. Become a Partner and instantly help Merchants with theirs processing fees.