Whenever a customer uses a credit card to purchase a product or service from a merchant, the merchant must pay a processing fee to the credit card companies. These fees are usually between 2 to 4% of the sale and can be higher for “high-risk” merchants like airlines, ticket vendors and travel arrangement services, or merchants where the card is not present, like online stores. Credit card processing fees can be extremely challenging for many merchants because they tighten margins, decrease profits and depending on the size or age of the business, can make it exceedingly difficult to grow and succeed.

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