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Processing secrets small business owners should be aware of

[Friday, June 3rd, 2011]

In today’s world, customers rely more on debit and credit cards as compared to cash or check that were the most used in the past. There are as many pitfalls of using credit cards as there are advantages. This has put many business owners and retailers in a fix since they either need to adapt to the upcoming changes or let their competitors gain an upper hand.

Over 90% of the people in the United States have at least one credit card adorning their wallet. Despite this huge number, there are over thirty million businesses in the country that do not accept payments through credit cards. The cost associated with accepting credit cards for payments is what makes small businesses think twice. What makes this even more frightening is that a majority of the businesses that do accept credit cards are not aware of the hidden costs and misinformation that plague the credit card industry.

Most of the business owners are only aware that the cost per transaction they will be charged is 1.65% of the total transaction value in addition to 15 cents per transaction. In reality, there are tiered rates that are applicable to the transactions that most business owners are not aware of.

The hidden fees are also aspects that cause problems to business owners. The fees are not disclosed to owners beforehand which lead to issues between business owners and merchant services. Batch fees and gateway fees are the most common fees which small businesses are unaware of.

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