The Credit Card Processing Fee

How those fees are structured will depend on how your merchant account puzzle fits together. On one end of the spectrum you can choose each vendor individually, which can result in paying small credit card processing fees to multiple service providers.
Alternately, you may choose a turnkey solution where the credit card merchant account provider sells you a pre-assembled merchant account puzzle. In this case, you may pay higher credit card processing fees to fewer providers. Processing fee totals may be higher or lower with a turnkey solution, depending on the specific credit card providers' fees.
There is no single best solution to credit card processing. Your choice will depend on your particular needs and experience. Among other considerations when choosing providers and deciding how many (and which) credit card processing fees you are willing to pay factor in your personal comfort with the technologies, customer convenience, providers' customer service, available technical support, reliability, costs and time commitment involved. No matter what your choice, expect to potentially pay several fees associated with your credit card merchant account.

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You will quickly discover, however, that taking payments through an online (or other) merchant account creates a puzzle of credit card processing fees.

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