Guide
A high bill is rarely one big number. It is usually a pile of small ones that add up on a statement nobody reads.
✓ Installed by our team and supported by phone. Rates and equipment are quoted to your business.
Merchant Fund Express explains payments in plain English so owners can make better decisions about equipment and processing.
A high bill is rarely one big number. It is usually a pile of small ones that add up on a statement nobody reads.
Card processing costs are built from several layers: fees set by the card networks and issuing banks, the processor's markup and a collection of monthly, statement and compliance charges. Different pricing models bundle them differently.
The first step is not to chase a lower rate; it is to understand the effective rate you pay across all card types and what drives it, then see which parts are negotiable.
Look at total fees divided by total card volume for each month.
Identify network costs, processor markup and fixed fees.
Debit, rewards cards and keyed transactions are priced differently.
Flat, tiered and cost-plus models bundle costs in different ways.
A restaurant that thought its rate was high discovers most of the cost is keyed phone orders and fixed monthly fees. Moving phone orders to a virtual terminal workflow and removing two fees changes the effective rate more than any quoted percentage.
This comes up for almost every owner at some point. Most of the stress is not the problem itself but not knowing the next step, so having the steps written down before you need them is the real fix. Print the steps, put them where your team can see them and rehearse them once.
If you would rather hear it from us, call (305) 384-8391. We will walk through the decision with you, quote the equipment and processing for your business and look at your statement while we are at it.
As explained by Merchant Fund Express. Updated 2026.
It is total processing fees divided by total card sales for a period, which gives a single comparable number.
We review your statements honestly. Sometimes there is room, and sometimes your current pricing is fair.
No. Card type and how a card is accepted change the cost.
Only if the total cost and service after switching beat what you have today.
Call Merchant Fund Express. We install it, train your staff and stay on the line after launch. Ask for a free rate review while you are at it.
