Tired of Paying Credit Card Processing Fees?

Tired of Paying Credit Card Processing Fees or Making Constant Switches to Other Providers?

By Chris Austin, President of Ardiah

The beginning of the year often brings a slower pace for many businesses, and with that comes the perfect opportunity to evaluate expenses. When revenue dips—or even grinds to a halt—it’s only natural to scrutinize every dollar going out. One of the first places business owners look? Credit card processing fees.

If you’re tired of paying high processing fees, you’re not alone. It’s a common frustration, but before jumping to the next “cheapest” provider, it’s essential to dig deeper into what those savings will actually cost you in the long run.

Key Questions to Ask Before Switching Providers:

  1. What are their re-pricing strategies? Many companies lure you in with attractive rates, only to hike them later. This bait-and-switch tactic leaves many businesses worse off than before.

  2. Are they local? Choosing a local provider means your money stays in the community. These businesses often shop, eat, and invest locally, giving back to the very community your business serves.

  3. How much are you really saving? Ensure the savings are substantial enough to justify switching, especially after factoring in equipment costs and other transition-related expenses.

  4. What are the long-term impacts? Changes in credit card processing can affect your operations, employees, and customers. A provider promising savings should also ensure seamless integration and support.

Stop Bouncing Around

Switching providers frequently in search of lower fees might seem like a quick fix, but it often leads to more problems. Re-pricing strategies can erode initial savings, and the cost of new equipment or re-training staff adds up. The reality is that most businesses that hop between providers ultimately end up paying more.

The Net Zero Solution

Instead of playing musical chairs with providers, consider legal programs like Net Zero or Dual Pricing solutions. These options allow businesses to significantly reduce or eliminate credit card processing fees by passing the cost to customers in a transparent way. Here are some quick facts:

  • Net Zero Programs: These are designed to shift processing fees to the customer, either as a small surcharge or by offering a discount for cash payments.

  • Dual Pricing: Customers are presented with two prices: one for cash and one for credit card transactions, giving them a choice and empowering them to save.

Fun Facts and Industry Stats

  • According to the Nilson Report, credit card transactions account for over 75% of in-person sales in the U.S., making processing fees a significant cost for most businesses.

  • Businesses in the U.S. pay an average of 2.87% in credit card processing fees, which can add up to tens of thousands of dollars annually for even small operations.

  • A 2023 study showed that over 60% of customers are open to paying a small surcharge for credit card transactions if it’s communicated transparently.

  • Dual Pricing programs have increased by 30% among small businesses in the last two years due to their effectiveness in reducing costs.

Pros and Cons of Net Zero and Dual Pricing

Pros:

  • Dramatic reduction in processing costs

  • Encourages cash payments, reducing potential chargebacks

  • Easy to implement with the right tools and guidance

Cons:

  • May require customer education to ensure transparency

  • Not ideal for every business type, depending on customer expectations and industry standards

Partnering with Ardiah

At Ardiah, we’ve been implementing Net Zero programs for years, helping our clients nearly eliminate their credit card processing fees while maintaining exceptional service for their customers. Unlike many providers, we’re committed to transparency, stability, and supporting the local economy.

We understand the complexities of the payment industry and the pitfalls of bouncing between providers. That’s why we focus on creating long-term solutions tailored to your unique needs.

Ready to Reduce Your Processing Fees?

Don’t let credit card fees drain your business’s bottom line. Let’s explore the right solution for your business without the hassle of constant switching. Reach out to Ardiah today to learn more about our Net Zero and Dual Pricing programs and how we can help you achieve real savings.

Together, we can make 2025 your most profitable year yet.

Chris Austin

President, Ardiah 

About the Author: Chris Austin is passionate about supporting small businesses and is the President of Ardiah, a trusted provider of accounting, payment solutions, POS systems, payroll, and tax services. Chris and his team are dedicated to helping small businesses thrive by delivering tailored solutions and personalized support. If you have a small business support or service need, they would love to help! 207-230-4576 or email: [email protected]