Topic
Card and ACH Processing Fees
What card and ACH processing should cost a small business, how to read a merchant statement, the fee lines to dispute, and when switching processors or paying an exit fee actually saves money.
7 articles · browse the full archive
GrowthCheapest Way to Convert CAD to USD for a Business
On a C$35,000 supplier payment, a 2.5% bank spread costs C$875. Wise quoted C$169.83. How to measure your bank's markup and pick the cheapest route.
15 min
GrowthMerchant Statement Effective Rate: How to Calculate
Divide every fee by card volume. One owner found $24,000 in fees on $206,000 (11.65%). Here is the math, a fair rate for your ticket size, and a 5-minute check.
16 min
GrowthWhy QuickBooks Charges Customers a $25 ACH Fee
QuickBooks adds a $25 convenience fee when every online payment option on your invoice is off. On a $150 invoice that is 16.7%. How to find it and stop it.
16 min
GrowthShould I Pay My Processor's Early Termination Fee?
Pay it only if the fee plus switching costs is less than what you save before your term ends. Here is the math, and 5 ways out that cost nothing.
16 min
GrowthSquare vs Merchant Account: Is Switching Worth It?
On a $40 debit sale Square keeps about 66 cents more than interchange-plus. On a premium rewards card it can be cheaper. Your card mix decides it.
17 min
GrowthWhat Are These Fees on My Merchant Statement?
Month End Billing, Infrastructure Fee, Debit Enablement: what the new lines on a 2026 merchant statement are, why they count as agreed, and the 30-day clock.
16 min
GrowthWhy Am I Paying a Percentage Fee on ACH Payments?
The Federal Reserve charges banks $0.0035 to move an ACH payment. A 1% fee on a $12,000 invoice is $120. Why the percentage exists and how to get off it.
15 min