{"id":12323,"date":"2025-08-18T09:09:52","date_gmt":"2025-08-18T08:09:52","guid":{"rendered":"https:\/\/commercialexperts.com\/uk\/?p=12323"},"modified":"2026-03-11T17:20:28","modified_gmt":"2026-03-11T17:20:28","slug":"card-processing-fees","status":"publish","type":"post","link":"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/card-processing-fees\/","title":{"rendered":"Card Processing Fees: What They Are and How They Work"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"12323\" class=\"elementor elementor-12323\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5b1a0c97 e-con-full e-flex e-con e-parent\" data-id=\"5b1a0c97\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-57bc711a elementor-widget elementor-widget-shortcode\" data-id=\"57bc711a\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"container\" data-elementor-id=\"3421\" class=\"elementor elementor-3421\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4089210 e-con-full e-flex e-con e-parent\" data-id=\"4089210\" data-element_type=\"container\" id=\"product-banner\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-c15a039 e-con-full e-flex e-con e-child\" data-id=\"c15a039\" data-element_type=\"container\" id=\"hero-container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-fdf9b32 e-con-full e-flex e-con e-child\" data-id=\"fdf9b32\" data-element_type=\"container\" id=\"hero-inner-container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1b3aef3 elementor-widget elementor-widget-heading\" data-id=\"1b3aef3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Compare Quotes From Merchant Account Providers, Today.<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6e6fa5e e-con-full e-flex e-con e-child\" data-id=\"6e6fa5e\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-afc5fa8 elementor-widget elementor-widget-heading\" data-id=\"afc5fa8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Do you currently accept card payments?<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c817a62 e-grid e-con-full e-con e-child\" data-id=\"c817a62\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3f4893d elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"3f4893d\" data-element_type=\"widget\" id=\"drop-button\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/Apply\" rel=\"nofollow\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Yes<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ea1099 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"4ea1099\" data-element_type=\"widget\" id=\"drop-button\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/Apply\" rel=\"nofollow\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">No<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bd430b8 elementor-align-center elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"bd430b8\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"Layer_1\" x=\"0px\" y=\"0px\" viewBox=\"0 0 1080 1080\" style=\"enable-background:new 0 0 1080 1080;\" xml:space=\"preserve\"><style type=\"text\/css\">\t.st0{display:none;fill:#FFFFFF;}\t.st1{fill:#45378A;}<\/style><g id=\"_x36_ff1e8d1-53ef-4e18-83cb-44b25912cc6c\" transform=\"matrix(1 0 0 1 540 540)\">\t<rect x=\"-540\" y=\"-540\" class=\"st0\" width=\"1080\" height=\"1080\"><\/rect><\/g><g id=\"bbbfeb99-66a1-4030-bfad-d841f1614ce3\" transform=\"matrix(1 0 0 1 540 540)\"><\/g><g transform=\"matrix(2.11 0 0 2.11 540 540)\">\t<g>\t\t<g transform=\"matrix(1 0 0 1 -4.05 -238.64)\">\t\t\t<path class=\"st1\" d=\"M-43.4-17.4h86.8c4.8,0,8.7,3.9,8.7,8.7V8.7c0,4.8-3.9,8.7-8.7,8.7    h-86.8c-4.8,0-8.7-3.9-8.7-8.7V-8.7C-52.1-13.5-48.2-17.4-43.4-17.4z\"><\/path>\t\t<\/g>\t\t<g transform=\"matrix(1 0 0 1 -4.05 25.64)\">\t\t\t<path class=\"st1\" d=\"M0,230.4c84.6,0,161.5-49.1,197-125.9c35.5-76.8,23.1-167.2-31.8-231.6    l17.1-17.1l-24.6-24.6l-17.1,17.1c-34.7-29.6-77.8-47.5-123.3-51v-27.6h-34.7v27.6c-116.1,9.3-204.1,108.6-199.4,224.9    C-212.1,138.5-116.4,230.4,0,230.4z M-135.3-121.1c0.1-0.1,0.2-0.3,0.3-0.4s0.3-0.2,0.4-0.3c74.4-74.2,194.7-74.2,269.1,0    c0.1,0.1,0.3,0.2,0.4,0.3c0.1,0.1,0.2,0.3,0.3,0.4c74.2,74.4,74.2,194.7,0,269.1c-0.1,0.1-0.2,0.3-0.3,0.4s-0.3,0.2-0.4,0.3    c-74.4,74.2-194.7,74.2-269.1,0c-0.1-0.1-0.3-0.2-0.4-0.3c-0.1-0.1-0.2-0.3-0.3-0.4C-209.5,73.6-209.5-46.8-135.3-121.1z\"><\/path>\t\t<\/g>\t\t<g transform=\"matrix(1 0 0 1 188.35 -153.35)\">\t\t\t<path class=\"st1\" d=\"M-30.7-18.4l12.3-12.3c3.4-3.4,8.9-3.4,12.3,0L30.7,6.1    c3.4,3.4,3.4,8.9,0,12.3L18.4,30.7c-3.4,3.4-8.9,3.4-12.3,0L-30.7-6.1C-34.1-9.5-34.1-15-30.7-18.4z\"><\/path>\t\t<\/g>\t\t<g transform=\"matrix(1 0 0 1 -4.05 39.05)\">\t\t\t<path class=\"st1\" d=\"M17.4,0c0,9.6-7.8,17.4-17.4,17.4S-17.4,9.6-17.4,0S-9.6-17.4,0-17.4    S17.4-9.6,17.4,0z\"><\/path>\t\t<\/g>\t\t<g transform=\"matrix(1 0 0 1 -4.05 38.83)\">\t\t\t<path class=\"st1\" d=\"M-138.8,0.2c0,4.8-3.9,8.7-8.7,8.7h-25.6c2,39.9,17.7,78,44.6,107.6    l18.1-18.1c2.2-2.3,5.4-3.2,8.4-2.4c3,0.8,5.4,3.2,6.2,6.2c0.8,3-0.1,6.3-2.4,8.4l-18.1,18.1c29.6,26.9,67.6,42.6,107.6,44.6    v-25.6c0-4.8,3.9-8.7,8.7-8.7s8.7,3.9,8.7,8.7v25.6c39.9-2,78-17.7,107.6-44.6l-18.1-18.1c-3.3-3.4-3.2-8.8,0.1-12.2    c3.3-3.3,8.8-3.4,12.2-0.1l18.1,18.1c26.9-29.6,42.6-67.6,44.6-107.6h-25.6c-4.8,0-8.7-3.9-8.7-8.7s3.9-8.7,8.7-8.7h25.6    c-2-39.9-17.7-78-44.6-107.6L110.4-98c-2.2,2.3-5.4,3.2-8.4,2.4c-3-0.8-5.4-3.2-6.2-6.2c-0.8-3,0.1-6.3,2.4-8.4l18.1-18.1    c-65.9-60.1-166.6-60.1-232.5,0l18.1,18.1c2.3,2.2,3.2,5.4,2.4,8.4c-0.8,3-3.2,5.4-6.2,6.2c-3,0.8-6.3-0.1-8.4-2.4l-18.1-18.1    c-26.9,29.6-42.6,67.6-44.6,107.6h25.6C-142.7-8.5-138.8-4.6-138.8,0.2z M-8.7-33.3v-114c0-4.8,3.9-8.7,8.7-8.7s8.7,3.9,8.7,8.7    v114c16.9,4.4,28,20.6,25.8,38S17.5,35.1,0,35.1s-32.2-13-34.4-30.3C-36.6-12.6-25.6-28.9-8.7-33.3z\"><\/path>\t\t<\/g>\t<\/g><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">It only takes a minute.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3be1e196 e-flex e-con-boxed e-con e-parent\" data-id=\"3be1e196\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2133fc86 elementor-widget elementor-widget-shortcode\" data-id=\"2133fc86\" data-element_type=\"widget\" id=\"breadcrumb-post\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><span class=\"last\">Home<\/span><\/p><\/nav><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18e2704f elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-shortcode\" data-id=\"18e2704f\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"container\" data-elementor-id=\"7091\" class=\"elementor elementor-7091\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-719a216e e-flex e-con-boxed e-con e-parent\" data-id=\"719a216e\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6b4e295d elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"6b4e295d\" data-element_type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Card Processing Fees: What They Are and How They Work<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-78d60def elementor-hidden-mobile title-article elementor-widget elementor-widget-heading\" data-id=\"78d60def\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">While having a merchant account boosts profits, understanding their cost is important.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2e8c58c1 e-con-full e-flex e-con e-parent\" data-id=\"2e8c58c1\" data-element_type=\"container\" id=\"art-fullcon\">\n\t\t<div class=\"elementor-element elementor-element-630e5bf3 e-con-full e-flex e-con e-child\" data-id=\"630e5bf3\" data-element_type=\"container\" id=\"otp-col\" data-settings=\"{&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_offset&quot;:110,&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;],&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-154cc373 elementor-widget elementor-widget-shortcode\" data-id=\"154cc373\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"container\" data-elementor-id=\"5000\" class=\"elementor elementor-5000\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fedf17f e-flex e-con-boxed e-con e-parent\" data-id=\"fedf17f\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d70d77d elementor-widget elementor-widget-shortcode\" data-id=\"d70d77d\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"container\" data-elementor-id=\"8575\" class=\"elementor elementor-8575\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-97fb6a2 elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"97fb6a2\" data-element_type=\"container\" id=\"on-this-page\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3cd958e elementor-widget elementor-widget-heading\" data-id=\"3cd958e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">On This Page<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2a21a3f elementor-hidden-desktop elementor-hidden-tablet e-con-full e-flex e-con e-parent\" data-id=\"2a21a3f\" data-element_type=\"container\" id=\"on-this-page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-252e905 elementor-widget elementor-widget-heading\" data-id=\"252e905\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">On This Page<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-74e8604b e-con-full elementor-hidden-mobile elementor-hidden-tablet e-flex e-con e-child\" data-id=\"74e8604b\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1e2fb64c elementor-widget elementor-widget-heading\" data-id=\"1e2fb64c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Find a card machine for your business today<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c015591 elementor-widget elementor-widget-heading\" data-id=\"7c015591\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Get a quote in seconds with our simple form<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11d54e10 h-button elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"11d54e10\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/Apply\" rel=\"nofollow\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Start Free Quote<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9bb22e5 e-con-full e-flex e-con e-child\" data-id=\"9bb22e5\" data-element_type=\"container\" id=\"main-artcon\">\n\t\t\t\t<div class=\"elementor-element elementor-element-655a1e16 elementor-hidden-desktop elementor-widget elementor-widget-shortcode\" data-id=\"655a1e16\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"container\" data-elementor-id=\"7091\" class=\"elementor elementor-7091\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-719a216e e-flex e-con-boxed e-con e-parent\" data-id=\"719a216e\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6b4e295d elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"6b4e295d\" data-element_type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Card Processing Fees: What They Are and How They Work<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4625989 elementor-hidden-desktop elementor-hidden-tablet title-article elementor-widget elementor-widget-heading\" data-id=\"4625989\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">While having a merchant account boosts profits, understanding their cost is important.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6bc6a36b elementor-widget elementor-widget-shortcode\" data-id=\"6bc6a36b\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"container\" data-elementor-id=\"7135\" class=\"elementor elementor-7135\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cd8505a e-con-full e-flex e-con e-parent\" data-id=\"cd8505a\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c726538 elementor-widget elementor-widget-shortcode\" data-id=\"c726538\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div class='tfli_author_box'><div class='tfli_author_details'><div class='tfli_author_details_content'><img alt='' src='https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/06\/DSC08189-1-1-e1749120945402.png' srcset='https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/06\/DSC08189-1-1-e1749120945402.png 2x' class='avatar avatar-60 photo avatar-default' height='60' width='60' \/><a href=\"https:\/\/commercialexperts.com\/uk\/authors\/adam-jackson-wright\/\"><h4>Adam Jackson-Wright<\/h4><p>Content Writer<\/p><\/a><\/div><\/div><div class='tfli_post_details'><p>Last updated 11\/03\/2026<\/p><\/div><\/div><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6ae496b2 e-con-full e-flex e-con e-child\" data-id=\"6ae496b2\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2314e505 elementor-widget elementor-widget-heading\" data-id=\"2314e505\" data-element_type=\"widget\" id=\"article-ititle\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What Are Card Processing Fees?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-441f810e elementor-widget elementor-widget-text-editor\" data-id=\"441f810e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>While <b>taking card payments<\/b> unlocks a lot of potential for your business, no advantage comes with zero cost. The company that provides you with your <b>card machine<\/b>, <b>payment gateway<\/b>, and <b>merchant account<\/b> will charge a fee for using their service. These fees are usually paid as a slice of each <b>card payment<\/b> your business takes, which is why they&#8217;re called <b>card processing fees<\/b>, but there are also other monthly fees, like <b>card machine rentals<\/b>, that can crop up every month regardless of how many payments you take.\u00a0\u00a0<\/p><p>In many cases, all of the aspects of the <b>payment-taking process<\/b> can be provided by a single company. In other cases, different companies will manage different aspects of the transaction process; your card machine will not necessarily be provided by the same company that provides your payment gateway, for example.\u00a0\u00a0<\/p><p>Most of the time, all of the <b>card processing fees<\/b> are added up and billed to your business at the end of the month. They are then deducted from the total amount that your <b>merchant account provider<\/b> (also called your acquiring bank) sends through to your <b>business bank account<\/b>. We know what you&#8217;re thinking, and yes, they can sometimes be expensive.\u00a0<\/p><p>Understanding these fees is important for you and your business because it puts you in control when it comes to finding the best deal possible. So, without further ado, let\u2019s dive into our breakdown of card processing fees.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d1100a9 elementor-widget elementor-widget-heading\" data-id=\"d1100a9\" data-element_type=\"widget\" id=\"article-ititle\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How Much Are Card Processing Fees?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e02505b elementor-widget elementor-widget-text-editor\" data-id=\"e02505b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The first thing to remember is that fees vary from business to business. Some businesses will have to pay more or higher fees than others due to factors like their credit history, industry, number of transactions, or the contract they have with their <b>acquiring bank<\/b>. All of these things are highly nuanced, and your business\u2019s total cost will be dependent on all of them.\u00a0<\/p><p>The second thing to remember is that, while your <b>monthly card processing bill<\/b> will be delivered as one lump sum, there are actually several different types of charges that your business will pay each time you take a card payment. These fees all fall into one of the following categories:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e7ff01 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"1e7ff01\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#card-processing-fees\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Assessment fees<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#scheduled-fees\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Interchange fees<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#incidental-fees\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Processing Fees<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0557efb elementor-widget elementor-widget-heading\" data-id=\"0557efb\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Assessment Fees<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ceded08 elementor-widget elementor-widget-text-editor\" data-id=\"ceded08\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Credit card assessment fees are charged by card networks, like Visa, Mastercard, and American Express. They are charged on credit card transactions to cover their operational and processing costs, such as maintaining their infrastructure. They are comparatively small, costing around 0.1%, but something to be aware of nonetheless.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b161543 elementor-widget elementor-widget-heading\" data-id=\"b161543\" data-element_type=\"widget\" id=\"article-ititle\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Interchange Fees<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c337126 elementor-widget elementor-widget-text-editor\" data-id=\"c337126\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Interchange fees are charges applied between the two banks involved in a transaction. Namely, that&#8217;s your bank and your customer&#8217;s bank. When a customer pays with a card, your acquiring bank transfers the interchange fee to the cardholder\u2019s issuing bank.<\/p><p>These fees are determined by <b>card networks<\/b> and are usually a percentage of the purchase amount, plus a fixed fee. The exact fee can vary based on several factors, such as whether the card is credit or debit, whether the transaction is in-store or online, and your business\u2019s industry.\u00a0<\/p><p>Luckily for you, <b>interchange fees in the UK are capped at 0.3% for credit cards and 0.2% for debit cards<\/b>. Unluckily for you, processor fees aren\u2019t, and this is where you pay the biggest chunk of your card processing fees.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dd18399 elementor-widget elementor-widget-heading\" data-id=\"dd18399\" data-element_type=\"widget\" id=\"article-ititle\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Processing Fees<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ae8e21d elementor-widget elementor-widget-text-editor\" data-id=\"ae8e21d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>Card processing fees <\/b>are paid to your merchant account provider. This is the same as your acquiring bank and the same as your credit card processor. Confusing, we know, but some popular providers include Barclaycard, PayPal, and Stripe.\u00a0<\/p><p>Typically, the fee includes a per-transaction fee (often a percentage or flat fee, depending on your provider), which starts at around<b>\u00a01.5%<\/b>\u00a0and can climb to\u00a0<b>3.5%<\/b> or higher.\u00a0<\/p><p>The processing fee is usually small in comparison to the actual transaction, but it can add up to significant amounts, especially when you\u2019re <b>accepting card payments exclusively<\/b>, so keep this in mind when you&#8217;re <b>choosing your merchant account<\/b>. Below is a further breakdown of what processing fees can typically include:\u00a0<\/p><ul><li>PCI compliance fees: Covers the cost of your acquiring bank preventing fraud.<\/li><li>Card machine rental: Covers the use of your card machine (if applicable)<\/li><li>Online payment gateway fees: Covers the cost of taking payments online.<\/li><\/ul><div>\u00a0<\/div><p>All of the above fees need paying, but to make things that little bit easier, many <b>merchant account provider<\/b>s include these fees within the standard transaction fee that they charge. This is not always the case, however, and some processors <i>do<\/i> charge a transaction fee + one of the above.\u00a0<\/p><p>This is in addition to potential other fees, like chargeback fees, refunds, or currency conversions. These fees are always paid by your business to your\u00a0<b>payment service provider,<\/b>\u00a0and you cannot legally pass them onto the customer as a surcharge.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2007984b elementor-widget elementor-widget-shortcode\" data-id=\"2007984b\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"container\" data-elementor-id=\"7381\" class=\"elementor elementor-7381\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-33b14af3 e-con-full e-flex e-con e-child\" data-id=\"33b14af3\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6286b0c elementor-widget elementor-widget-heading\" data-id=\"6286b0c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">What industry are you in?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3aa5869b e-con-full e-flex e-con e-child\" data-id=\"3aa5869b\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7b515c27 elementor-widget elementor-widget-heading\" data-id=\"7b515c27\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Please select the industry that you trade within. This information allows us to tailor your quote.<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7234ce34 e-grid e-con-full e-con e-child\" data-id=\"7234ce34\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-65706084 elementor-view-default elementor-position-top elementor-mobile-position-top elementor-widget elementor-widget-icon-box\" data-id=\"65706084\" data-element_type=\"widget\" id=\"cta-icon-box\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/Apply\" rel=\"nofollow\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\"Hospitality\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"Capa_1\" height=\"512\" viewBox=\"0 0 497 497\" width=\"512\"><g><g><path d=\"m140.238 74.691c-4.143 0-7.5-3.357-7.5-7.5v-17.671c0-4.143 3.357-7.5 7.5-7.5s7.5 3.357 7.5 7.5v17.672c0 4.142-3.357 7.499-7.5 7.499z\" fill=\"#fea613\"><\/path><\/g><path d=\"m284.288 152.755h-33.218v-69.076c0-5.309 2.084-10.406 5.805-14.193l10.804-11 10.804 11c3.72 3.788 5.805 8.884 5.805 14.193z\" fill=\"#02905d\"><\/path><g><path d=\"m284.288 160.255h-33.219c-4.143 0-7.5-3.357-7.5-7.5v-69.075c0-7.321 2.825-14.229 7.955-19.449l10.804-11c1.41-1.436 3.338-2.244 5.351-2.244 2.013 0 3.94.809 5.351 2.245l10.804 11c5.13 5.221 7.955 12.128 7.955 19.448v69.075c-.001 4.142-3.358 7.5-7.501 7.5zm-25.719-15h18.219v-61.575c0-3.363-1.298-6.538-3.655-8.938l-5.454-5.553-5.454 5.553c-2.357 2.399-3.655 5.573-3.655 8.938v61.575z\" fill=\"#017b4e\"><\/path><\/g><g><path d=\"m267.679 65.986c-4.143 0-7.5-3.357-7.5-7.5v-31.127c0-4.143 3.357-7.5 7.5-7.5s7.5 3.357 7.5 7.5v31.127c0 4.143-3.358 7.5-7.5 7.5z\" fill=\"#017b4e\"><\/path><\/g><g><path d=\"m326.245 110.576h-.09c-8.32 0-15.065-6.745-15.065-15.065v-10.953c0-2.321 1.881-4.202 4.202-4.202h21.815c2.321 0 4.202 1.881 4.202 4.202v10.953c.001 8.32-6.743 15.065-15.064 15.065z\" fill=\"#fb5858\"><\/path><\/g><g><g><path d=\"m326.245 118.076h-.09c-12.442 0-22.564-10.123-22.564-22.565v-10.952c0-6.452 5.25-11.702 11.702-11.702h21.815c6.452 0 11.702 5.25 11.702 11.702v10.952c.001 12.442-10.122 22.565-22.565 22.565zm-7.654-30.22v7.654c0 4.172 3.394 7.565 7.564 7.565h.09c4.172 0 7.565-3.394 7.565-7.565v-7.654z\" fill=\"#cbe2ff\"><\/path><\/g><g><path d=\"m326.2 155.255c-4.143 0-7.5-3.357-7.5-7.5v-37.179c0-4.143 3.357-7.5 7.5-7.5s7.5 3.357 7.5 7.5v37.179c0 4.142-3.357 7.5-7.5 7.5z\" fill=\"#cbe2ff\"><\/path><\/g><\/g><path d=\"m60.675 144.755c0-43.942 35.622-79.563 79.563-79.563s79.563 35.622 79.563 79.563l-79.563 8z\" fill=\"#fee45a\"><\/path><path d=\"m140.238 65.192c-3.297 0-6.539.224-9.731.614 39.348 4.802 69.832 38.305 69.832 78.95h19.462c0-43.943-35.621-79.564-79.563-79.564z\" fill=\"#fedf30\"><\/path><g><path d=\"m375.646 195.378c-1.087 0-2.19-.237-3.236-.738-3.735-1.79-5.313-6.27-3.522-10.005l33.289-69.473c5.495-11.46 17.257-18.863 29.964-18.863h22.438c4.143 0 7.5 3.357 7.5 7.5s-3.357 7.5-7.5 7.5h-22.438c-6.971 0-13.423 4.062-16.438 10.348l-33.288 69.471c-1.289 2.689-3.973 4.26-6.769 4.26z\" fill=\"#7a6d79\"><\/path><\/g><g><path d=\"m313.003 437.815h-243.766c-4.729 0-8.562-3.833-8.562-8.562v-12.965c0-4.729 3.833-8.562 8.562-8.562h243.766c2.244 0 3.663-1.197 4.311-1.91.646-.713 1.698-2.242 1.479-4.474l-3.652-37.273c-.461-4.706 2.98-8.895 7.686-9.356l12.904-1.264c4.706-.461 8.895 2.98 9.356 7.686l3.652 37.272c.986 10.063-2.343 20.131-9.136 27.622-6.792 7.49-16.488 11.786-26.6 11.786z\" fill=\"#d8ab8c\"><\/path><\/g><path d=\"m348.739 398.406-3.652-37.272c-.461-4.706-4.65-8.147-9.356-7.686l-10.941 1.072c2.343 1.327 4.029 3.731 4.311 6.614l3.652 37.272c.986 10.063-2.343 20.131-9.135 27.622-6.793 7.491-16.489 11.787-26.601 11.787h15.986c10.112 0 19.808-4.296 26.601-11.787 6.792-7.491 10.121-17.559 9.135-27.622z\" fill=\"#c38778\"><\/path><circle cx=\"108.093\" cy=\"457.478\" fill=\"#685e68\" r=\"19.663\"><\/circle><path d=\"m108.093 437.815c-3.586 0-6.937.975-9.831 2.652 5.871 3.401 9.831 9.737 9.831 17.011s-3.96 13.61-9.831 17.011c2.894 1.677 6.246 2.652 9.831 2.652 10.859 0 19.663-8.803 19.663-19.663s-8.804-19.663-19.663-19.663z\" fill=\"#554e56\"><\/path><path d=\"m380.039 371.972h-365.68c-8.189 0-14.72-6.839-14.343-15.019l8.87-192.57c0-10.84 8.788-19.628 19.628-19.628h337.37c10.84 0 19.628 8.788 19.628 19.628l8.87 192.57c.377 8.18-6.154 15.019-14.343 15.019z\" fill=\"#fb5858\"><\/path><path d=\"m385.512 164.383c0-10.84-8.788-19.628-19.628-19.628h-19.461c10.84 0 19.628 8.788 19.628 19.628l8.87 192.57c.377 8.181-6.154 15.019-14.343 15.019h19.462c8.189 0 14.72-6.839 14.343-15.019z\" fill=\"#f44545\"><\/path><circle cx=\"291.551\" cy=\"457.478\" fill=\"#685e68\" r=\"19.663\"><\/circle><path d=\"m291.551 437.815c-3.586 0-6.937.975-9.831 2.652 5.872 3.401 9.831 9.737 9.831 17.011s-3.96 13.61-9.831 17.011c2.894 1.677 6.246 2.652 9.831 2.652 10.86 0 19.663-8.803 19.663-19.663s-8.803-19.663-19.663-19.663z\" fill=\"#554e56\"><\/path><g><path d=\"m73.21 343.213c-.122 0-.243-.003-.366-.009-4.138-.199-7.33-3.715-7.131-7.852l4.78-99.261c.199-4.138 3.747-7.313 7.852-7.131 4.138.199 7.33 3.715 7.131 7.852l-4.78 99.261c-.194 4.015-3.509 7.14-7.486 7.14z\" fill=\"#a72b2b\"><\/path><\/g><g><path d=\"m156.431 343.213c-.048 0-.095 0-.143-.001-4.142-.077-7.437-3.497-7.359-7.639l2.391-128.168c.077-4.094 3.419-7.36 7.496-7.36.048 0 .095 0 .143.001 4.142.077 7.437 3.497 7.359 7.639l-2.391 128.168c-.077 4.093-3.419 7.36-7.496 7.36z\" fill=\"#a72b2b\"><\/path><\/g><g><path d=\"m242.039 343.213c-4.077 0-7.42-3.267-7.496-7.36l-2.39-128.168c-.077-4.142 3.218-7.562 7.359-7.639.048-.001.095-.001.143-.001 4.077 0 7.42 3.267 7.496 7.36l2.39 128.168c.077 4.142-3.218 7.562-7.359 7.639-.047.001-.095.001-.143.001z\" fill=\"#a72b2b\"><\/path><\/g><g><path d=\"m325.261 343.213c-3.977 0-7.292-3.125-7.485-7.139l-4.781-99.261c-.199-4.138 2.993-7.653 7.13-7.853 4.169-.202 7.654 2.994 7.853 7.131l4.781 99.26c.199 4.138-2.993 7.653-7.13 7.853-.124.006-.247.009-.368.009z\" fill=\"#a72b2b\"><\/path><\/g><path d=\"m483.654 120.836h-24.729c-7.371 0-13.346-5.975-13.346-13.346v-7.381c0-7.371 5.975-13.346 13.346-13.346h24.729c7.371 0 13.346 5.975 13.346 13.346v7.381c0 7.371-5.975 13.346-13.346 13.346z\" fill=\"#fb5858\"><\/path><path d=\"m483.654 86.763h-19.462c7.371 0 13.346 5.975 13.346 13.346v7.381c0 7.371-5.975 13.346-13.346 13.346h19.462c7.371 0 13.346-5.975 13.346-13.346v-7.381c0-7.371-5.975-13.346-13.346-13.346z\" fill=\"#f44545\"><\/path><\/g><\/svg>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h4 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/Apply\" rel=\"nofollow\">\n\t\t\t\t\t\t\tHospitality\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-703bfb2f elementor-view-default elementor-position-top elementor-mobile-position-top elementor-widget elementor-widget-icon-box\" data-id=\"703bfb2f\" data-element_type=\"widget\" id=\"cta-icon-box\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/Apply\" rel=\"nofollow\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\"Retail\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"Capa_1\" height=\"512\" viewBox=\"0 0 497 497\" width=\"512\"><g><path d=\"m415.031 10h-343.062c-5.523 0-10 4.477-10 10v314.351l10 28.852-10 37.796v45.722l363.062 10v-436.721c0-5.523-4.477-10-10-10z\" fill=\"#a4ccff\"><\/path><path d=\"m425.031 10h-30c5.523 0 10 4.477 10 10v436.721l30-10v-45.722l-10-33.28 10-33.368v-314.351c0-5.523-4.477-10-10-10z\" fill=\"#8bb3ea\"><\/path><path d=\"m405.031 400.999h-343.062v-66.648h343.062l13.197 29.318z\" fill=\"#fde588\"><\/path><path d=\"m405.031 334.351h30v66.648h-30z\" fill=\"#fdd76f\"><\/path><path d=\"m451.822 191.575h-418.644c-5.523 0-10-4.477-10-10v-118.997c0-5.523 4.477-10 10-10h418.643c5.523 0 10 4.477 10 10v118.997c.001 5.523-4.477 10-9.999 10z\" fill=\"#fde588\"><\/path><path d=\"m463.822 52.578h-30c5.523 0 10 4.477 10 10v118.997c0 5.523-4.477 10-10 10h30c5.523 0 10-4.477 10-10v-118.997c0-5.523-4.477-10-10-10z\" fill=\"#fdd76f\"><\/path><g fill=\"#a4ccff\"><path d=\"m224.181 73.807c-4.142 0-7.5 3.358-7.5 7.5v31.872h-41.427v-31.872c0-4.142-3.358-7.5-7.5-7.5s-7.5 3.358-7.5 7.5v81.541c0 4.142 3.358 7.5 7.5 7.5s7.5-3.358 7.5-7.5v-34.669h41.427v34.669c0 4.142 3.358 7.5 7.5 7.5s7.5-3.358 7.5-7.5v-81.541c0-4.142-3.358-7.5-7.5-7.5z\"><\/path><path d=\"m121.435 115.683c-10.454-3.856-20.155-8.066-22.647-9.161-2.521-1.859-3.744-4.821-3.284-8.025.583-4.062 3.713-7.325 8.374-8.729 12.986-3.912 24.738 5.532 24.926 5.687 3.17 2.638 7.881 2.221 10.538-.94 2.665-3.171 2.255-7.902-.915-10.567-.724-.609-17.981-14.836-38.875-8.542-10.242 3.086-17.483 11.117-18.896 20.96-1.317 9.171 2.655 17.991 10.365 23.018.332.216.679.405 1.041.566.469.21 11.619 5.172 24.182 9.807 8.901 3.283 13.424 8.422 12.41 14.101-1.008 5.648-7.604 11.49-16.895 11.49-8.852 0-17.397-3.598-22.857-9.624-2.781-3.069-7.524-3.304-10.594-.521-3.069 2.781-3.303 7.525-.521 10.594 8.257 9.111 20.957 14.551 33.973 14.551 15.622 0 29.233-10.255 31.661-23.854 1.838-10.297-2.973-23.798-21.986-30.811z\"><\/path><path d=\"m390.194 73.807h-22.704c-4.087 0-7.5 3.413-7.5 7.5v81.541c0 4.142 3.357 7.5 7.5 7.5s7.5-3.358 7.5-7.5v-27.96c5.151-.028 11.731-.059 15.204-.059 17.072 0 30.962-13.687 30.962-30.511s-13.889-30.511-30.962-30.511zm0 46.021c-3.457 0-9.948.031-15.088.059-.028-5.29-.06-12.039-.06-15.569 0-2.989-.019-10.002-.034-15.511h15.182c8.652 0 15.962 7.103 15.962 15.511s-7.309 15.51-15.962 15.51z\"><\/path><path d=\"m295.261 73.807c-26.616 0-48.271 21.654-48.271 48.27 0 26.617 21.654 48.271 48.271 48.271 26.616 0 48.27-21.654 48.27-48.271-.001-26.617-21.654-48.27-48.27-48.27zm0 81.54c-18.346 0-33.271-14.925-33.271-33.271 0-18.345 14.925-33.27 33.271-33.27 18.345 0 33.27 14.925 33.27 33.27-.001 18.346-14.926 33.271-33.27 33.271z\"><\/path><\/g><path d=\"m167.026 279.683h150.387v177.126h-150.387z\" fill=\"#eef5f6\"><\/path><path d=\"m241 279.683h15v177.126h-15z\" fill=\"#a4ccff\"><\/path><path d=\"m329.974 279.683h-162.948v28.946h122.948c5.523 0 10 4.477 10 10v138.18h30z\" fill=\"#deecf1\"><\/path><path d=\"m241 279.683h15v28.946h-15z\" fill=\"#8bb3ea\"><\/path><path d=\"m336.396 288.629h-40.326l-49.08-10-46.06 10h-53.326c-3.465 0-5.88-3.439-4.703-6.698l15.196-42.076c1.431-3.963 5.192-6.603 9.405-6.603h53.427l35.07 10 20.07-10h40.427c4.213 0 7.974 2.64 9.405 6.603l15.196 42.076c1.178 3.258-1.236 6.698-4.701 6.698z\" fill=\"#f26c72\"><\/path><path d=\"m354.098 281.93-15.196-42.076c-1.431-3.963-5.192-6.603-9.406-6.603h-30c4.213 0 7.974 2.64 9.405 6.603l15.196 42.076c1.177 3.259-1.238 6.698-4.703 6.698h30c3.467.001 5.881-3.439 4.704-6.698z\" fill=\"#e95059\"><\/path><path d=\"m296.07 288.629h-95.14l20-55.377h55.14z\" fill=\"#eef5f6\"><\/path><path d=\"m452 446.809h-427c-13.807 0-25 11.193-25 25v10.191c0 2.762 2.239 5 5 5h467c2.761 0 5-2.238 5-5v-10.191c0-13.807-11.193-25-25-25z\" fill=\"#7f8c93\"><\/path><path d=\"m472 446.809h-30.5c13.807 0 25 11.193 25 25v10.191c0 2.762-2.239 5-5 5h30.5c2.761 0 5-2.238 5-5v-10.191c0-13.807-11.193-25-25-25z\" fill=\"#455b6b\"><\/path><\/g><\/svg>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h4 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/Apply\" rel=\"nofollow\">\n\t\t\t\t\t\t\tRetail\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a6bcd74 elementor-view-default elementor-position-top elementor-mobile-position-top elementor-widget elementor-widget-icon-box\" data-id=\"a6bcd74\" data-element_type=\"widget\" id=\"cta-icon-box\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/Apply\" rel=\"nofollow\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\"Other\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"Layer_1\" x=\"0px\" y=\"0px\" viewBox=\"0 0 511.991 511.991\" style=\"enable-background:new 0 0 511.991 511.991;\" xml:space=\"preserve\"><circle style=\"fill:#1F84CE;\" cx=\"255.996\" cy=\"255.996\" r=\"255.996\"><\/circle><circle style=\"fill:#FFFFFF;\" cx=\"255.996\" cy=\"255.996\" r=\"192.484\"><\/circle><path style=\"opacity:0.15;fill:#145587;enable-background:new    ;\" d=\"M218.618,372.636c-9.854,0-19.708-3.759-27.227-11.278 l-51.254-51.254c-15.038-15.038-15.038-39.418,0-54.456c15.036-15.036,39.418-15.038,54.454,0l24.026,24.027l98.783-98.784 c15.037-15.038,39.418-15.037,54.454,0c15.037,15.038,15.037,39.418,0,54.456l-126.01,126.011 C238.327,368.878,228.472,372.636,218.618,372.636z\"><\/path><path style=\"fill:#FB7686;\" d=\"M218.618,352.159c-9.854,0-19.708-3.759-27.227-11.278l-51.254-51.254 c-15.038-15.038-15.038-39.418,0-54.456c15.036-15.036,39.418-15.038,54.454,0l24.026,24.027l98.783-98.784 c15.037-15.038,39.418-15.037,54.454,0c15.037,15.038,15.037,39.418,0,54.456l-126.01,126.011 C238.327,348.4,228.472,352.159,218.618,352.159z\"><\/path><path style=\"opacity:0.15;fill:#145587;enable-background:new    ;\" d=\"M256,63.52c-106.304,0-192.479,86.175-192.479,192.479 c0,4.717,0.178,9.393,0.512,14.026c7.185-99.753,90.382-178.453,191.969-178.453s184.782,78.7,191.968,178.453 c0.334-4.633,0.512-9.308,0.512-14.026C448.479,149.696,362.304,63.52,256,63.52z\"><\/path><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><\/svg>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h4 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/Apply\" rel=\"nofollow\">\n\t\t\t\t\t\t\tOther\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-802d16e elementor-widget elementor-widget-heading\" data-id=\"802d16e\" data-element_type=\"widget\" id=\"article-ititle\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Factors That Affect Your Pricing<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-06e0fe5 elementor-widget elementor-widget-text-editor\" data-id=\"06e0fe5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>All of the above means one thing: there is no easy way to know how much you will pay in <strong>fees for your merchant account<\/strong>. Indeed, many factors influence your final bill, and it can be tricky to know how your circumstances will ultimately affect your bill. There are, however, some broad assumptions you can make about how much you will pay for your<strong> merchant account<\/strong>.\u00a0\u00a0<\/p>\n<p>If you are a larger business and process more payments, you may get more favourable rates.\u00a0 Small businesses typically get charged more and are unable to be as picky as larger ones, which is why it\u2019s important to think carefully about who to choose as your <a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/best-merchant-accounts-for-your-growing-business\/\">merchant account provider<\/a>, as making the right choice now saves you money in the long run.\u00a0<\/p>\n<p>Likewise, businesses that operate in a <a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/high-risk-merchant-accounts\/\">high-risk industry<\/a> are also exposed to the risk of higher fees, as are <strong>businesses with a bad credit history<\/strong>. In these circumstances, it can be difficult to have your application for a merchant account accepted, and many businesses like this tend to look for options like PayPal, which is a <a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/paypal-merchant-account\/\">merchant account that doesn&#8217;t perform credit checks.\u00a0<\/a><\/p>\n<p><strong>Merchant account fees<\/strong> are often all bundled into one type of payment. One of the most important things that will influence the price you pay is the type of <strong>pricing model<\/strong> you choose. These <strong>pricing models<\/strong> are broken down below.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-631e38d8 e-con-full e-flex e-con e-child\" data-id=\"631e38d8\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-7e3b5d77 e-con-full e-flex e-con e-child\" data-id=\"7e3b5d77\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4953d9bb elementor-widget elementor-widget-heading\" data-id=\"4953d9bb\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Merchant Account Pricing Structures<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4ed3a943 e-con-full e-flex e-con e-child\" data-id=\"4ed3a943\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-104deaa e-con-full e-flex e-con e-child\" data-id=\"104deaa\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3b25c9cc elementor-widget elementor-widget-heading\" data-id=\"3b25c9cc\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Interchange Plus Pricing<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-446cd722 elementor-widget elementor-widget-text-editor\" data-id=\"446cd722\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Also known as cost-plus pricing or pass-through pricing, an interchange-plus pricing model breaks down your fees into two parts. The first part is the interchange, which is the cost from the issuing bank to you via your acquiring bank. This includes the interchange fee and the assessment fee. The second part only includes the processor fee.\u00a0<\/p><p>The interchange plus model means you can see the breakdown of fees, including the interchange fee and the processor&#8217;s markup, so you can see exactly where your fees are going. What\u2019s more, the interchange plus model can often mean lower fees than with other pricing models (explored below). The downside, however, is that, given the variety of fees charged for each customer\u2019s transaction, your total fees can be unpredictable.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-25ab9cc2 e-con-full e-flex e-con e-child\" data-id=\"25ab9cc2\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5b7ff395 e-con-full e-flex e-con e-child\" data-id=\"5b7ff395\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-770e8a31 elementor-widget elementor-widget-heading\" data-id=\"770e8a31\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Flat Rate Pricing<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1987ce33 elementor-widget elementor-widget-text-editor\" data-id=\"1987ce33\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If the unpredictability of interchange plus pricing is something you don\u2019t fancy, you might prefer to opt for a flat-rate pricing model. With this model, you pay the same fee for every transaction you make. Regardless of the card issuer or card network, the rate you pay will never change.<\/p><p>Similar to when you take out a mortgage, opting for a flat rate or fixed fee will usually mean you pay slightly higher rates, but you do have the advantage of having more predictability when it comes to your merchant account fees.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-57c56133 e-con-full e-flex e-con e-child\" data-id=\"57c56133\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-3ce012d5 e-con-full e-flex e-con e-child\" data-id=\"3ce012d5\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-72bef0c2 elementor-widget elementor-widget-heading\" data-id=\"72bef0c2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Tiered Pricing<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-637cf492 elementor-widget elementor-widget-text-editor\" data-id=\"637cf492\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Finally, there\u2019s tiered pricing, where your transactions are categorised into qualified, mid-qualified, and non-qualified. How they are categorised depends on what card was used and whether it was made online or in person.\u00a0<\/p><p>The fees you pay are dependent on the categorisation of the transaction, with qualified transactions being the cheapest. Be careful though, as not all of your transactions will be qualified and you could end up spending a lot of other types of transactions.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c6b09d8 elementor-widget elementor-widget-heading\" data-id=\"c6b09d8\" data-element_type=\"widget\" id=\"article-ititle\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Other Card Payment Fees<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f38c5b elementor-widget elementor-widget-heading\" data-id=\"9f38c5b\" data-element_type=\"widget\" id=\"article-ititle\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Scheduled Fees<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-caba615 elementor-widget elementor-widget-text-editor\" data-id=\"caba615\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>True to their name, <strong>scheduled merchant fees<\/strong> are ones you can always see coming, which makes them nice and predictable. They will be agreed upon between you and your <strong>acquiring bank<\/strong> when you first open your <strong>merchant account<\/strong>, and will usually be charged monthly.\u00a0<\/p>\n<p>Common types of scheduled fees include <strong>card machine rentals<\/strong>,<strong> payment gateway fees<\/strong>, and <strong>PCI compliance fees<\/strong>. \u00a0These fees ensure you can <a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/taking-card-payments-ultimate-guide\/\">accept card payments<\/a> easily, smoothly, and safely without putting your business at risk.\u00a0<\/p>\n<p><strong>PCI compliance rules<\/strong> make sure the sensitive data you\u2019re taking from your customers is handled responsibly. The rules are especially important when it comes to <strong>protecting your business against fraud and reputational damage<\/strong>, and most <a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/best-merchant-accounts-for-your-growing-business\/\">merchant account providers<\/a> will provide this kind of protection as standard. Other providers charge an additional fee.\u00a0<\/p>\n<p>If you take payments without <strong>PCI compliance<\/strong>, then you could be subject to heavy fines, or your provider may remove your ability to take card payments altogether.<\/p>\n<p>Then they&#8217;re card machine rentals, which are fairly self-explanatory. Companies like <a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/merchant-account-reviews\/square-card-machines\/\">Square<\/a>\u00a0and <a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/sumup-card-machines-review\/\">Sumup<\/a><b>\u00a0<\/b>charge little to no rental fees on their card machines, while other providers charge up to <strong>\u00a320 or more per month<\/strong>.<\/p>\n<p><strong>Payment gateway fees<\/strong> pay for your payment gateway (the bit of the <strong>payment processing<\/strong> that enables money to flow from your customers to you). While mainly associated with <strong>online payments<\/strong>, in-person payments also often use a payment gateway, so you\u2019re likely to be subject to a fee, however you take your payments. These fees are usually a <strong>fixed per-transaction fee<\/strong> or a <strong>percentage fee<\/strong>.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e36f5b9 elementor-widget elementor-widget-heading\" data-id=\"e36f5b9\" data-element_type=\"widget\" id=\"article-ititle\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Incidental Fees<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ac0f9cb elementor-widget elementor-widget-text-editor\" data-id=\"ac0f9cb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Unlike<strong> scheduled fees<\/strong>, you can\u2019t always see <strong>incidental fees<\/strong> coming, which can make them the most inconvenient of all the types of fees explored here. These fees are usually paid on a one-time basis when something happens to incur them. This could be a <strong>refund fee<\/strong> (incurred when you have to refund a customer &#8211; usually a fixed fee), a <strong>chargeback fee<\/strong> (triggered when a customer is wrongly charged), or an <strong>early termination fee<\/strong>, where you leave your contract early.\u00a0\u00a0<\/p>\n<p>The size of the fee you have to pay in situations like the ones described above will depend on what triggered the fee, with some costing significantly more than others. On the plus side, <strong>incidental fees can usually be mitigated<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-57aa2a26 elementor-widget elementor-widget-shortcode\" data-id=\"57aa2a26\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"container\" data-elementor-id=\"3439\" class=\"elementor elementor-3439\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-635b04b e-con-full e-flex e-con e-child\" data-id=\"635b04b\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-84bb5ca e-con-full e-flex e-con e-child\" data-id=\"84bb5ca\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2d82d79 elementor-widget elementor-widget-heading\" data-id=\"2d82d79\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Compare Quotes From Merchant Account Providers, Today.<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3020941 e-con-full e-flex e-con e-child\" data-id=\"3020941\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-38f1ef9 elementor-widget elementor-widget-heading\" data-id=\"38f1ef9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Do you currently accept card payments?<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0fafdd3 e-grid e-con-full e-con e-child\" data-id=\"0fafdd3\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f00671f elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"f00671f\" data-element_type=\"widget\" id=\"drop-button\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/Apply\" rel=\"nofollow\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Yes<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-399e018 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"399e018\" data-element_type=\"widget\" id=\"drop-button\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/Apply\" rel=\"nofollow\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">No<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8278c9e elementor-align-center elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"8278c9e\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"Layer_1\" x=\"0px\" y=\"0px\" viewBox=\"0 0 1080 1080\" style=\"enable-background:new 0 0 1080 1080;\" xml:space=\"preserve\"><style type=\"text\/css\">\t.st0{display:none;fill:#FFFFFF;}\t.st1{fill:#45378A;}<\/style><g id=\"_x36_ff1e8d1-53ef-4e18-83cb-44b25912cc6c\" transform=\"matrix(1 0 0 1 540 540)\">\t<rect x=\"-540\" y=\"-540\" class=\"st0\" width=\"1080\" height=\"1080\"><\/rect><\/g><g id=\"bbbfeb99-66a1-4030-bfad-d841f1614ce3\" transform=\"matrix(1 0 0 1 540 540)\"><\/g><g transform=\"matrix(2.11 0 0 2.11 540 540)\">\t<g>\t\t<g transform=\"matrix(1 0 0 1 -4.05 -238.64)\">\t\t\t<path class=\"st1\" d=\"M-43.4-17.4h86.8c4.8,0,8.7,3.9,8.7,8.7V8.7c0,4.8-3.9,8.7-8.7,8.7    h-86.8c-4.8,0-8.7-3.9-8.7-8.7V-8.7C-52.1-13.5-48.2-17.4-43.4-17.4z\"><\/path>\t\t<\/g>\t\t<g transform=\"matrix(1 0 0 1 -4.05 25.64)\">\t\t\t<path class=\"st1\" d=\"M0,230.4c84.6,0,161.5-49.1,197-125.9c35.5-76.8,23.1-167.2-31.8-231.6    l17.1-17.1l-24.6-24.6l-17.1,17.1c-34.7-29.6-77.8-47.5-123.3-51v-27.6h-34.7v27.6c-116.1,9.3-204.1,108.6-199.4,224.9    C-212.1,138.5-116.4,230.4,0,230.4z M-135.3-121.1c0.1-0.1,0.2-0.3,0.3-0.4s0.3-0.2,0.4-0.3c74.4-74.2,194.7-74.2,269.1,0    c0.1,0.1,0.3,0.2,0.4,0.3c0.1,0.1,0.2,0.3,0.3,0.4c74.2,74.4,74.2,194.7,0,269.1c-0.1,0.1-0.2,0.3-0.3,0.4s-0.3,0.2-0.4,0.3    c-74.4,74.2-194.7,74.2-269.1,0c-0.1-0.1-0.3-0.2-0.4-0.3c-0.1-0.1-0.2-0.3-0.3-0.4C-209.5,73.6-209.5-46.8-135.3-121.1z\"><\/path>\t\t<\/g>\t\t<g transform=\"matrix(1 0 0 1 188.35 -153.35)\">\t\t\t<path class=\"st1\" d=\"M-30.7-18.4l12.3-12.3c3.4-3.4,8.9-3.4,12.3,0L30.7,6.1    c3.4,3.4,3.4,8.9,0,12.3L18.4,30.7c-3.4,3.4-8.9,3.4-12.3,0L-30.7-6.1C-34.1-9.5-34.1-15-30.7-18.4z\"><\/path>\t\t<\/g>\t\t<g transform=\"matrix(1 0 0 1 -4.05 39.05)\">\t\t\t<path class=\"st1\" d=\"M17.4,0c0,9.6-7.8,17.4-17.4,17.4S-17.4,9.6-17.4,0S-9.6-17.4,0-17.4    S17.4-9.6,17.4,0z\"><\/path>\t\t<\/g>\t\t<g transform=\"matrix(1 0 0 1 -4.05 38.83)\">\t\t\t<path class=\"st1\" d=\"M-138.8,0.2c0,4.8-3.9,8.7-8.7,8.7h-25.6c2,39.9,17.7,78,44.6,107.6    l18.1-18.1c2.2-2.3,5.4-3.2,8.4-2.4c3,0.8,5.4,3.2,6.2,6.2c0.8,3-0.1,6.3-2.4,8.4l-18.1,18.1c29.6,26.9,67.6,42.6,107.6,44.6    v-25.6c0-4.8,3.9-8.7,8.7-8.7s8.7,3.9,8.7,8.7v25.6c39.9-2,78-17.7,107.6-44.6l-18.1-18.1c-3.3-3.4-3.2-8.8,0.1-12.2    c3.3-3.3,8.8-3.4,12.2-0.1l18.1,18.1c26.9-29.6,42.6-67.6,44.6-107.6h-25.6c-4.8,0-8.7-3.9-8.7-8.7s3.9-8.7,8.7-8.7h25.6    c-2-39.9-17.7-78-44.6-107.6L110.4-98c-2.2,2.3-5.4,3.2-8.4,2.4c-3-0.8-5.4-3.2-6.2-6.2c-0.8-3,0.1-6.3,2.4-8.4l18.1-18.1    c-65.9-60.1-166.6-60.1-232.5,0l18.1,18.1c2.3,2.2,3.2,5.4,2.4,8.4c-0.8,3-3.2,5.4-6.2,6.2c-3,0.8-6.3-0.1-8.4-2.4l-18.1-18.1    c-26.9,29.6-42.6,67.6-44.6,107.6h25.6C-142.7-8.5-138.8-4.6-138.8,0.2z M-8.7-33.3v-114c0-4.8,3.9-8.7,8.7-8.7s8.7,3.9,8.7,8.7    v114c16.9,4.4,28,20.6,25.8,38S17.5,35.1,0,35.1s-32.2-13-34.4-30.3C-36.6-12.6-25.6-28.9-8.7-33.3z\"><\/path>\t\t<\/g>\t<\/g><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">It only takes a minute.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1b798a2b e-con-full e-flex e-con e-child\" data-id=\"1b798a2b\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1d0db8ca elementor-widget elementor-widget-heading\" data-id=\"1d0db8ca\" data-element_type=\"widget\" id=\"article-ititle\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">FAQs<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3fc372e1 elementor-widget elementor-widget-n-accordion\" data-id=\"3fc372e1\" data-element_type=\"widget\" id=\"faq-box\" data-settings=\"{&quot;max_items_expended&quot;:&quot;multiple&quot;,&quot;default_state&quot;:&quot;expanded&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1060\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-1060\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Which pricing structure should I choose? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1060\" class=\"elementor-element elementor-element-5d998e25 e-con-full e-flex e-con e-child\" data-id=\"5d998e25\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-23080f93 elementor-widget elementor-widget-text-editor\" data-id=\"23080f93\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The type of pricing structure you choose is up to you, but there are some broad observations to be made. One is that interchange plus pricing is popular among small businesses as it can often mean smaller fees. Another one is that a flat rate pricing structure offers more predictability, which can also suit smaller businesses that depend on fees being manageable.\u00a0\u00a0<\/p><p>In the end, it\u2019ll be up to you, so being as informed as possible is a good place to start.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1061\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1061\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How much does a merchant account cost? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1061\" class=\"elementor-element elementor-element-177a016f e-con-full e-flex e-con e-child\" data-id=\"177a016f\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-36f779e9 elementor-widget elementor-widget-text-editor\" data-id=\"36f779e9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tMerchant accounts, while bringing in money, also cost money. There are several types of fees you\u2019ll have to pay, and they vary from business to business. Some businesses will have to pay more or higher fees than others due to factors like their credit history, industry, and number of transactions.\n\nAll of these things are highly nuanced and your business\u2019s total cost will be dependent on all of them.\u00a0\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1062\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1062\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How can I save on merchant account fees? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1062\" class=\"elementor-element elementor-element-052e446 e-con-full e-flex e-con e-child\" data-id=\"052e446\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-99d2eba elementor-widget elementor-widget-text-editor\" data-id=\"99d2eba\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>You can take numerous measures to ensure you\u2019re saving as much as you can on your merchant fees. Doing things like implementing strategies to minimise chargebacks and refunds, ensuring customers receive accurate and detailed order information, and getting quotes from <a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/Apply\">multiple payment processors<\/a> to find the most competitive rates can all save you money.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Which pricing structure should I choose?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The type of pricing structure you choose is up to you, but there are some broad observations to be made. One is that interchange plus pricing is popular among small businesses as it can often mean smaller fees. Another one is that a flat rate pricing structure offers more predictability, which can also suit smaller businesses that depend on fees being manageable.\\u00a0\\u00a0In the end, it\\u2019ll be up to you, so being as informed as possible is a good place to start.\"}},{\"@type\":\"Question\",\"name\":\"How much does a merchant account cost?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Merchant accounts, while bringing in money, also cost money. There are several types of fees you\\u2019ll have to pay, and they vary from business to business. Some businesses will have to pay more or higher fees than others due to factors like their credit history, industry, and number of transactions.\\n\\nAll of these things are highly nuanced and your business\\u2019s total cost will be dependent on all of them.\\u00a0\"}},{\"@type\":\"Question\",\"name\":\"How can I save on merchant account fees?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"You can take numerous measures to ensure you\\u2019re saving as much as you can on your merchant fees. Doing things like implementing strategies to minimise chargebacks and refunds, ensuring customers receive accurate and detailed order information, and getting quotes from multiple payment processors to find the most competitive rates can all save you money.\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4064a64b elementor-widget elementor-widget-shortcode\" data-id=\"4064a64b\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"container\" data-elementor-id=\"3454\" class=\"elementor elementor-3454\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7aaa7ff9 e-con-full e-flex e-con e-child\" data-id=\"7aaa7ff9\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-421e38f0 elementor-widget elementor-widget-heading\" data-id=\"421e38f0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">What's Trending?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6fbd1e48 elementor-widget elementor-widget-heading\" data-id=\"6fbd1e48\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Find out how you could save your business money<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-331520ba e-con-full e-flex e-con e-child\" data-id=\"331520ba\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-11c842ef e-con-full e-flex e-con e-child\" data-id=\"11c842ef\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-260e281f elementor-grid-1 elementor-grid-tablet-1 elementor-grid-mobile-1 elementor-widget elementor-widget-loop-grid\" data-id=\"260e281f\" data-element_type=\"widget\" data-settings=\"{&quot;template_id&quot;:1921,&quot;columns&quot;:1,&quot;row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:0,&quot;sizes&quot;:[]},&quot;columns_tablet&quot;:1,&quot;_skin&quot;:&quot;post&quot;,&quot;columns_mobile&quot;:&quot;1&quot;,&quot;edit_handle_selector&quot;:&quot;[data-elementor-type=\\&quot;loop-item\\&quot;]&quot;,&quot;row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"loop-grid.post\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-loop-container elementor-grid\">\n\t\t<style id=\"loop-dynamic-1921\">.e-loop-item-25210 .elementor-element.elementor-element-5b59782:not(.elementor-motion-effects-element-type-background), .e-loop-item-25210 .elementor-element.elementor-element-5b59782 > .elementor-motion-effects-container > .elementor-motion-effects-layer{background-image:url(\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/01\/LoPay-Card-Machine-Fees-Card-Readers-and-How-It-Works.png\");}<\/style><style id=\"loop-1921\">.elementor-1921 .elementor-element.elementor-element-5b59782{--display:flex;--min-height:350px;--flex-direction:column;--container-widget-width:100%;--container-widget-height:initial;--container-widget-flex-grow:0;--container-widget-align-self:initial;--flex-wrap-mobile:wrap;--justify-content:flex-end;--gap:10px 10px;--row-gap:10px;--column-gap:10px;--overlay-opacity:1;--border-radius:0px 0px 0px 0px;box-shadow:0px 4px 44px 0px rgba(0, 0, 0, 0.1);--padding-top:20px;--padding-bottom:20px;--padding-left:20px;--padding-right:20px;}.elementor-1921 .elementor-element.elementor-element-5b59782::before, .elementor-1921 .elementor-element.elementor-element-5b59782 > .elementor-background-video-container::before, .elementor-1921 .elementor-element.elementor-element-5b59782 > .e-con-inner > .elementor-background-video-container::before, .elementor-1921 .elementor-element.elementor-element-5b59782 > .elementor-background-slideshow::before, .elementor-1921 .elementor-element.elementor-element-5b59782 > .e-con-inner > .elementor-background-slideshow::before, .elementor-1921 .elementor-element.elementor-element-5b59782 > .elementor-motion-effects-container > .elementor-motion-effects-layer::before{background-color:transparent;--background-overlay:'';background-image:linear-gradient(0deg, #000000 0%, #FFFFFF00 57%);}.elementor-1921 .elementor-element.elementor-element-5b59782:not(.elementor-motion-effects-element-type-background), .elementor-1921 .elementor-element.elementor-element-5b59782 > .elementor-motion-effects-container > .elementor-motion-effects-layer{background-position:center center;background-repeat:no-repeat;background-size:cover;}.elementor-1921 .elementor-element.elementor-element-5b59782:hover{box-shadow:0px 2px 25px 0px rgba(0, 0, 0, 0.2);}.elementor-widget-theme-post-title .elementor-heading-title{font-family:var( --e-global-typography-primary-font-family ), Sans-serif;font-weight:var( --e-global-typography-primary-font-weight );}.elementor-1921 .elementor-element.elementor-element-d50222e .elementor-heading-title{font-family:\"Poppins\", Sans-serif;font-size:20px;font-weight:700;text-transform:none;font-style:normal;text-decoration:none;line-height:1.2em;letter-spacing:-0.04em;word-spacing:0em;color:#FFFFFF;}.elementor-widget-theme-post-excerpt .elementor-widget-container{font-family:var( --e-global-typography-text-font-family ), Sans-serif;font-weight:var( --e-global-typography-text-font-weight );}.elementor-1921 .elementor-element.elementor-element-945ae43 .elementor-widget-container{color:#FFFFFF;font-family:\"Poppins\", Sans-serif;font-size:14px;font-weight:500;text-transform:none;font-style:normal;text-decoration:none;line-height:1.5em;letter-spacing:-0.01em;word-spacing:0em;}.elementor-1921 .elementor-element.elementor-element-7a41ec7{--display:flex;--flex-direction:row;--container-widget-width:calc( ( 1 - var( --container-widget-flex-grow ) ) * 100% );--container-widget-height:100%;--container-widget-flex-grow:1;--container-widget-align-self:stretch;--flex-wrap-mobile:wrap;--align-items:flex-start;--gap:0px 0px;--row-gap:0px;--column-gap:0px;--margin-top:0px;--margin-bottom:0px;--margin-left:0px;--margin-right:0px;--padding-top:0px;--padding-bottom:0px;--padding-left:0px;--padding-right:0px;}.elementor-widget-heading .elementor-heading-title{font-family:var( --e-global-typography-primary-font-family ), Sans-serif;font-weight:var( --e-global-typography-primary-font-weight );}.elementor-1921 .elementor-element.elementor-element-4788e55 > .elementor-widget-container{margin:0px 0px 0px 0px;padding:0px 3px 0px 0px;}.elementor-1921 .elementor-element.elementor-element-4788e55.elementor-element{--flex-grow:0;--flex-shrink:0;}.elementor-1921 .elementor-element.elementor-element-4788e55{text-align:left;}.elementor-1921 .elementor-element.elementor-element-4788e55 .elementor-heading-title{font-family:\"Poppins\", Sans-serif;font-size:12px;font-weight:700;text-transform:capitalize;text-decoration:none;line-height:2.25em;letter-spacing:-0.01em;word-spacing:0em;color:#FFFFFF;}.elementor-1921 .elementor-element.elementor-element-985fef4 > .elementor-widget-container{padding:0px 0px 0px 0px;}.elementor-1921 .elementor-element.elementor-element-985fef4{text-align:right;}.elementor-1921 .elementor-element.elementor-element-985fef4 .elementor-heading-title{font-family:\"Poppins\", Sans-serif;font-size:12px;font-weight:700;text-transform:uppercase;font-style:normal;text-decoration:none;line-height:2.25em;letter-spacing:-0.01em;word-spacing:0em;color:#FFFFFF;}@media(max-width:1024px){.elementor-1921 .elementor-element.elementor-element-945ae43 .elementor-widget-container{font-size:14px;}}@media(max-width:767px){.elementor-1921 .elementor-element.elementor-element-5b59782{--min-height:340px;}.elementor-1921 .elementor-element.elementor-element-d50222e{text-align:left;}.elementor-1921 .elementor-element.elementor-element-d50222e .elementor-heading-title{font-size:20px;}.elementor-1921 .elementor-element.elementor-element-945ae43 .elementor-widget-container{text-align:left;font-size:13px;}.elementor-1921 .elementor-element.elementor-element-7a41ec7{--justify-content:flex-start;}.elementor-1921 .elementor-element.elementor-element-4788e55{width:var( --container-widget-width, auto );max-width:auto;--container-widget-width:auto;--container-widget-flex-grow:0;text-align:left;}.elementor-1921 .elementor-element.elementor-element-4788e55 .elementor-heading-title{font-size:12px;line-height:1.2em;}.elementor-1921 .elementor-element.elementor-element-985fef4 .elementor-heading-title{font-size:12px;line-height:1.2em;}}<\/style>\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"1921\" class=\"elementor elementor-1921 e-loop-item e-loop-item-25210 post-25210 post type-post status-publish format-standard has-post-thumbnail hentry category-merchant-accounts category-merchant-accounts-guide tag-card-machine tag-lopay content_type-guides\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<a class=\"elementor-element elementor-element-5b59782 e-con-full e-flex e-con e-parent\" data-id=\"5b59782\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/lopay-card-machine-fees-card-readers-and-how-it-works\/\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d50222e elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"d50222e\" data-element_type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">LoPay Card Machine: Fees, Card Readers, and How It Works<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7a41ec7 e-con-full e-flex e-con e-child\" data-id=\"7a41ec7\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4788e55 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"4788e55\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">By Stephen Thompson -<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-985fef4 elementor-widget elementor-widget-heading\" data-id=\"985fef4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">22 Jan 2026<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7db9f307 e-con-full elementor-hidden-mobile e-flex e-con e-child\" data-id=\"7db9f307\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-12b16c1 elementor-grid-1 elementor-posts--align-left whats-trending elementor-posts--thumbnail-left elementor-grid-tablet-1 elementor-grid-mobile-1 elementor-widget elementor-widget-posts\" data-id=\"12b16c1\" data-element_type=\"widget\" data-settings=\"{&quot;classic_columns&quot;:&quot;1&quot;,&quot;classic_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;classic_columns_tablet&quot;:&quot;1&quot;,&quot;classic_columns_mobile&quot;:&quot;1&quot;,&quot;classic_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;classic_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.classic\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-classic elementor-grid\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-25230 post type-post status-publish format-standard has-post-thumbnail hentry category-merchant-accounts category-merchant-accounts-guide tag-stripe content_type-guides\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/stripe-payments-explained-for-uk-businesses\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/01\/Stripe-Payments-Explained-for-UK-Businesses.png\" class=\"attachment-full size-full wp-image-25231\" alt=\"Stripe Payments Explained for UK Businesses\" srcset=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/01\/Stripe-Payments-Explained-for-UK-Businesses.png 1024w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/01\/Stripe-Payments-Explained-for-UK-Businesses-300x200.png 300w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/01\/Stripe-Payments-Explained-for-UK-Businesses-768x512.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/stripe-payments-explained-for-uk-businesses\/\">\n\t\t\t\tStripe Payments Explained for UK Businesses\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>What Are Stripe Payments? Stripe Payments is a payment processing service provided by Stripe that allows<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-3582 post type-post status-publish format-standard has-post-thumbnail hentry category-merchant-accounts category-merchant-account-cost-saving tag-card-machine content_type-best-of\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/card-machines-for-small-business\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"1400\" height=\"934\" src=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/05\/Adobe-Express-file.jpg\" class=\"attachment-full size-full wp-image-21175\" alt=\"contactless payments\" srcset=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/05\/Adobe-Express-file.jpg 1400w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/05\/Adobe-Express-file-300x200.jpg 300w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/05\/Adobe-Express-file-1024x683.jpg 1024w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/05\/Adobe-Express-file-768x512.jpg 768w\" sizes=\"(max-width: 1400px) 100vw, 1400px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/card-machines-for-small-business\/\">\n\t\t\t\tBest Card Machines For Your Small Business: 2025 Round-Up\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>Your business needs a card machine that&#8217;s suited to you and your customers: here&#8217;s our breakdown<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-12145 post type-post status-publish format-standard has-post-thumbnail hentry category-merchant-accounts category-merchant-accounts-guide tag-card-machine content_type-how-to\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/taking-card-payments-ultimate-guide\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Your-Guide-to-Taking-Card-Payments-In-Person-and-Online.png\" class=\"attachment-full size-full wp-image-12954\" alt=\"Your Guide to Taking Card Payments In-Person and Online\" srcset=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Your-Guide-to-Taking-Card-Payments-In-Person-and-Online.png 800w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Your-Guide-to-Taking-Card-Payments-In-Person-and-Online-300x300.png 300w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Your-Guide-to-Taking-Card-Payments-In-Person-and-Online-150x150.png 150w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Your-Guide-to-Taking-Card-Payments-In-Person-and-Online-768x768.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/taking-card-payments-ultimate-guide\/\">\n\t\t\t\tHow to Take Credit Card Payments In 2025\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>Taking card payments is key to business growth, here\u2019s how it works in-person and online. Taking<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74eb876c elementor-align-right elementor-widget elementor-widget-button\" data-id=\"74eb876c\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/commercialexperts.com\/uk\/articles\/merchant-accounts\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">View all<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-593ac371 e-con-full elementor-hidden-desktop elementor-hidden-tablet e-flex e-con e-child\" data-id=\"593ac371\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7e0beba2 elementor-grid-1 elementor-posts--align-left whats-trending elementor-posts--thumbnail-left elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-widget elementor-widget-posts\" data-id=\"7e0beba2\" data-element_type=\"widget\" data-settings=\"{&quot;classic_columns&quot;:&quot;1&quot;,&quot;classic_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;classic_columns_tablet&quot;:&quot;2&quot;,&quot;classic_columns_mobile&quot;:&quot;1&quot;,&quot;classic_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;classic_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.classic\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-classic elementor-grid\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-25468 post type-post status-publish format-standard has-post-thumbnail hentry category-merchant-accounts category-merchant-accounts-guide tag-dojo content_type-guides\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/dojo-card-machine-independent-uk-guide-for-businesses\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"1360\" height=\"965\" src=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/01\/Dojo-Card-Machine-Independent-UK-Guide-for-Businesses.webp\" class=\"attachment-full size-full wp-image-25469\" alt=\"Dojo Card Machine: Independent UK Guide for Businesses\" srcset=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/01\/Dojo-Card-Machine-Independent-UK-Guide-for-Businesses.webp 1360w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/01\/Dojo-Card-Machine-Independent-UK-Guide-for-Businesses-300x213.webp 300w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/01\/Dojo-Card-Machine-Independent-UK-Guide-for-Businesses-1024x727.webp 1024w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/01\/Dojo-Card-Machine-Independent-UK-Guide-for-Businesses-768x545.webp 768w\" sizes=\"(max-width: 1360px) 100vw, 1360px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/dojo-card-machine-independent-uk-guide-for-businesses\/\">\n\t\t\t\tDojo Card Machine: Independent UK Guide for Businesses\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-25230 post type-post status-publish format-standard has-post-thumbnail hentry category-merchant-accounts category-merchant-accounts-guide tag-stripe content_type-guides\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/stripe-payments-explained-for-uk-businesses\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/01\/Stripe-Payments-Explained-for-UK-Businesses.png\" class=\"attachment-full size-full wp-image-25231\" alt=\"Stripe Payments Explained for UK Businesses\" srcset=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/01\/Stripe-Payments-Explained-for-UK-Businesses.png 1024w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/01\/Stripe-Payments-Explained-for-UK-Businesses-300x200.png 300w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/01\/Stripe-Payments-Explained-for-UK-Businesses-768x512.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/stripe-payments-explained-for-uk-businesses\/\">\n\t\t\t\tStripe Payments Explained for UK Businesses\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-3582 post type-post status-publish format-standard has-post-thumbnail hentry category-merchant-accounts category-merchant-account-cost-saving tag-card-machine content_type-best-of\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/card-machines-for-small-business\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"1400\" height=\"934\" src=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/05\/Adobe-Express-file.jpg\" class=\"attachment-full size-full wp-image-21175\" alt=\"contactless payments\" srcset=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/05\/Adobe-Express-file.jpg 1400w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/05\/Adobe-Express-file-300x200.jpg 300w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/05\/Adobe-Express-file-1024x683.jpg 1024w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/05\/Adobe-Express-file-768x512.jpg 768w\" sizes=\"(max-width: 1400px) 100vw, 1400px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/card-machines-for-small-business\/\">\n\t\t\t\tBest Card Machines For Your Small Business: 2025 Round-Up\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-78ed3168 elementor-align-right elementor-mobile-align-right elementor-widget elementor-widget-button\" data-id=\"78ed3168\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/commercialexperts.com\/uk\/articles\/merchant-accounts\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">View all<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>While having a merchant account boosts profits, understanding their cost is important. While having a merchant account boosts profits, understanding their cost is important. What Are Card Processing Fees? While<\/p>\n","protected":false},"author":4,"featured_media":12447,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7,42],"tags":[148],"content_type":[145],"ppma_author":[14],"class_list":["post-12323","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-merchant-accounts","category-merchant-account-cost-saving","tag-card-machine","content_type-sector-explainers"],"acf":[],"authors":[{"term_id":14,"user_id":4,"is_guest":0,"slug":"adam-jackson-wright","display_name":"Adam Jackson-Wright","avatar_url":{"url":"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/06\/DSC08189-1-1-e1749120945402.png","url2x":"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/06\/DSC08189-1-1-e1749120945402.png"},"first_name":"Adam","last_name":"Jackson-Wright","user_url":"","job_title":"","description":"Copywriter"}],"_links":{"self":[{"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/posts\/12323","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/comments?post=12323"}],"version-history":[{"count":172,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/posts\/12323\/revisions"}],"predecessor-version":[{"id":25309,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/posts\/12323\/revisions\/25309"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/media\/12447"}],"wp:attachment":[{"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/media?parent=12323"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/categories?post=12323"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/tags?post=12323"},{"taxonomy":"content_type","embeddable":true,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/content_type?post=12323"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/ppma_author?post=12323"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}