Cut Costs: 7 Smart Ways to Reduce Credit Card Fees

Credit card fees take a cut from every sale. Card networks charge interchange. Processors add markups. Gateways and hardware add per-transaction and monthly costs. Chargebacks bring penalties. The total often ranges from 2% to 4% per transaction, plus fixed fees. These costs rise with card type, keyed entries, and higher risk categories. Without control, they erode margin and cash flow.

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