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Banks tend to charge a high fee for their credit card processing service. When you look elsewhere for credit card processing for a small business, it can be challenging to separate the quality and credible companies from the phonies that make way-too-good-to-be-true claims about their price plans and services.

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If the savings offered by a new provider will far outweigh the cost to exit, pay out of pocket and enter into a month-to-month agreement with the new processor. The credit-card processing. business.

A small business credit card can be a good choice if you’re looking to finance your business using revolving credit. Unlike traditional lines of credit, these cards give you the flexibility on monthly payments (minimum payments vs full balance vs something else).

How Small Businesses Can Save on Credit Card Processing Fees. – With a flat-rate credit card processing fee, the small business pays a flat fee, such as 2.75 percent, for all types of credit card transactions. Interchange-plus. If your business pays interchange-plus pricing, which is sometimes known as interchange pass through, you will pay both the interchange rate, plus an amount over that rate on each.

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