Get FREE Quote

Per Transaction Charge in the Credit Card Processing Industry

When running a business and looking for a credit card processing service, many business owners make the mistake of focusing on processing rates instead of per transaction fees. These are the two main types of fees that credit card processing services charge, and there is a reason why both are applied to purchases.

The processing rate is a single percentage that the card processing service makes off of the total volume of a transaction. The per transaction fee is a flat rate that is charged every time a transaction is completed. This often ends up costing more than the actual processing rate, especially for merchant accounts that have a low sale amount per transaction. So why are there per transaction charges in the card processing industry? This is how card processing services make most of their money.

It is important to understand that the per transaction fee is widely misunderstood. When people think of per transaction fees, they picture the flat fee they are charged every time company uses that service to run a transaction. Return fees, authorization transaction  fees and even AVS fees are other examples of per transaction fees.

It would be unfair for processing services to charge a flat rate for their service since some business process credit cards less frequently than others. It is simply a better business practice for the processing service to charge on a per transaction basis.

When using the same provider, every business pays the same in per transaction fees. It doesn’t matter if the merchant accounts are national chains or mom-and-pop stores. Every company that takes credit cards as a form of payment is hit with the per transaction charge, and the amount of this charge stays the same no matter what.

For example, a customer may walk into a chain shopping center and leave with a dinning room table. At a local store, the customer may buy a pack of gum. Despite the total of each purchase, both stores are charged the same per transaction fee. So, when companies are looking for a credit card processing service, they should focus a little less on the processing rate and more on the per transaction fee that the service charges.



It took me a while to decide who I wanted to settle with to handle all of my credit card transactions because every company wants to make it sound like they're offering you the best rates. was able compare and beat all of the other offers I received. They were also able to provide me the fairest price on my EMV-compliant terminal. My sales representative and the support team were there to assist every step of the way. Ultimately, I'm looking forward to a long term relationship with this company.

Roland Tran from the Hong Kong Kitchen

It is a pleasure dealing with these folks. Their pricing is fair, their statements are understandable and their employees are knowledgeable and friendly.

John MacMillian from the Great Lakes Baking Company

The service was very professional, my sales person (Steven B.) was very well versed in the product and most helpful in getting our company set up to accept credit cards via my cell phone. Their rates are some of the lowest on the market and their service is unparalleled. I will recommend them to anyone requiring a credit card processing service.

Michael Harper from Deluxe Auto Body

Jonathan C. is wonderful to work with. He is very helpful, accommodating and resolves any issue quickly. It is hard these days to find someone who gives great customer service, but I can say, Jonathan is the best! I would not hesitate to recommend him to any business owner and to assist you in helping to grow your business.

Linda Garner from Regali Da Forno

I called indecisive about getting a device, but speaking to your Sales Consultant completely settled me. He was very professional, knowledgeable and patiently walked me through the process. He always responded to my voicemails and answered all my questions. After I received my merchandise, he called following up to ensure that I had received it. Customer service I would say is 5 stars. Stellar! Thanks Credit Card Processing, I will definitely recommend you.

Sarah Morgan from Vision International Ministries
Call Us Today!

© 2016 All rights reserved. Privacy Policy
CREDITCARDPROCESSING.COM, LLC is a registered ISO of Wells Fargo Bank, N.A. Walnut Creek, CA

*Further terms and conditions may apply. Promotion contingent upon's receipt of written competing offer(s).

**Certain restrictions may apply.

Promotional offers brought to you by

EMV® is a registered trademark owned by EMVCo LLC. Apple, the Apple logo, and iPhone are trademarks of Apple, Inc., registered in the U.S. and other countries. Android™ is a trademark of Google, Inc.

Call for details.