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Reducing Your Business Credit Card Processing Expenses with Merchant Advocate

Last updated 6 years ago

If you run a small business, you probably do your best to control expenses as much as possible, from cutting energy costs to maximizing employee efficiency. You may be overlooking one critical area: credit card processing expenses. These small fees charged on every debit transaction can add up to big losses for your business. Here are just a few of the ways you can cut credit card processing costs.

Analyze Your Bill

Take a good look at the bill from your credit card processing service. Companies do their best to make it confusing, but taking the time to decipher it will make you realize just how much you’re spending to process debit and credit transactions. The first step to solving a problem is being aware of it, so crunch some numbers. If you could recover even 25% of what you’re spending on card transactions, how much would you be able to grow your business? The answer will astonish you.

PIN Transactions

Signature debit card transactions cost you significantly more than PIN-based transactions. Charges for signature transactions combine a percentage of the ticket amount with a flat fee. Visa’s current rate, for example, is 0.095% plus $0.20. PIN-based transactions, on the other hand, charge only a flat fee, making them a much better deal than signature-based transactions. Switching from signature to PIN transactions will save you a surprising amount of money in the long run.

Get Help From the Pros

You can try to make cuts on your own to minimize these expenses, but you need expert help to really lower your costs. Merchant Advocate will show you just how much you should be paying per transaction, then negotiate with your credit card processing company to get you the rates you deserve. You’re busy enough with the demands of running your business every day—let us take care of your transaction rates.

You deserve to keep as much of your revenue as possible instead of losing it to small transaction fees with every ticket. Let Merchant Advocate work for you to get the rates you need to grow your business. Call us at (732) 727-2073 to get started saving money.


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