Cost | Merchant Account

: Set by card networks (Visa, Mastercard) and paid to the card-issuing bank.

Every time a customer swipes or clicks "buy," several fees are triggered simultaneously:

Businesses in certain industries (luxury goods, travel, or high-volume e-commerce) are often flagged as high-risk . This designation significantly impacts costs: : Processing fees can jump to 3.5%–5.5% . merchant account cost

Maintaining an account often involves recurring "hidden" or incidental charges:

: High-risk accounts often require long-term commitments (2-3 years) rather than month-to-month flexibility. : Set by card networks (Visa, Mastercard) and

: Penalties applied when a customer disputes a transaction, typically ranging from $15 to $50 per instance.

: Paid directly to the card brands for managing their networks. Maintaining an account often involves recurring "hidden" or

: The most transparent model. You pay the direct cost from card networks (interchange) plus a fixed markup from the processor.