Your Merchant Guru

An Enlightened Approach to Credit Card Processing

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Ask the Merchant Guru: How Much Do Vendors Pay to Credit Card Companies Per Transaction?

Q) How much do vendors pay to credit card companies per transaction? Does it vary with size of the transaction?

A) When a business signs up for a merchant account, all the terms including the cost per transaction (per item fee plus the rates associated with that card) are set by the processing company. The cost from Visa and MC (known as Interchange Fees) is passed along to the merchant as well as the mark up added by the processing company.

There are little restrictions on how much a processor can charge a merchant in fees. Yes, depending on the volume of the transaction, the amount paid by a merchant for any one transaction can can range from a few cents to over 5%.

It’s best to find some free advice on the particulars of each business – so that you can be sure to get the right program with a fair and ethical pricing structure. In the very least as a general rule, Interchange Plus programs offer a clear break down of pass through costs and mark up.

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Ask the Merchant Guru

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Credit Card Processing Services

Credit Card Processing

Your Merchant Guru is continually "cracking the code" of the rapidly evolving credit card processing industry so you don't have to.

By enlightening you about the latest technological solutions and finding the right fit for you, we can help you get paid faster and more easily while saving money.

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If your head is constantly buried in your company’s books, then your attention isn't where you want it to be — focused on growing your business.

Your Merchant Guru offers complete bookkeeping services for small and medium-sized businesses. We help you cover every base, make every payment and hit every deadline.

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You’re making sales, but are you making money? When is the right time to invest in new equipment or personnel? Before you’re big enough to hire a CFO, call Your Merchant Guru.

Our expert business planner can analyze where you are now and create a custom plan to help guide you to where you need to be.

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