High transaction fees can erode margins on every sale, yet many businesses still accept them as an unavoidable expense. These costs are neither fixed nor inevitable. The key is understanding where each fee comes from and selecting a payments partner that fixes or removes the most common pain points. That’s where Payarc comes in. Here are a few ways we can help you cut costs and pocket more cash:
Map Every Fee and Trim the Fat
Fee Type | Typical Cost | Payarc Cost | Why It Matters |
Processor Markup | 0.30 – 0.50 % + 10¢ per txn (interchange-plus) | as low as 0.035 % markup (3.5 bps) + low per-txn fee | Smaller spread = direct savings on every sale |
Monthly Gateway | $25 mo. (e.g., Authorize.net) | $0—gateway bundled with account | Eliminates a fixed cost you pay even when sales are slow |
Account / Statement | $10–$40 mo. | $0—no monthly fees | Instant margin boost |
PCI Non-Compliance | ≈ $30 mo. penalty | Built-in PCI tools, no penalties | Avoid surprise deductions |
Chargeback Fee | $15–$50 per case | In-house AI fraud tools cut incidents; lower overall cost | Less loss, fewer disputes |
Bottom Line: If you process $50,000 per month, those fixed fees alone can drain $480–$900 per year. With Payarc, hundreds of dollars are back in your pocket.
Pick Transparent Interchange-Plus
Not "Mystery" Rates
Flat-rate examples: Square in-person 2.6 % + 15¢; online 2.9 % + 30¢
Payarc: interchange + 0.035 % markup with no monthly fee. Even if average interchange is 1.80 %, Payarc delivers an effective 1.835 %—about a full third cheaper than flat-rate providers on a $100 sale.
That difference is $1,500+ per year on $ 250,000 in card volume—money straight back to the merchant (or a stronger offer for agents).
Use Dual Pricing to Wipe Out Card Costs Entirely
Dual pricing lists a cash price and a card price 3-4% higher. Card buyers cover the fee; cash buyers do not have to pay the markup.
Typical processor: The merchant still pays 3 % on every card swipe.
Payarc Dual Pricing: $0 in processing fees for the merchant, fully compliant, with automatically included dual-price displays, signage, and receipt formatting.
Savings snapshot: A merchant doing $50k per month in card sales at 3 % keeps an extra $1,500 every month.
Consolidate Tech and Stop Paying
The "Multiple Vendor Tax"
Cost Driver | Stand-Alone Vendors | Payarc Integrated |
Gateway Fee | $25 mo. | $0 |
POS Software | $69-$165 mo. (Square) | Curv POS included — all processing in one bill |
Extra Support / Add-Ons | Stripe Radar, Invoicing, etc. Add $5-$15 mo. | Fraud tools, white glove support, and invoicing baked in |
Secure Transactions to Dodge Hidden "Penalty Fees"
Chargebacks: Processors can charge you up to $50 per dispute. Payarc’s tokenization & AI risk rules shrink fraud before it happens, cutting those fees and the lost revenue that comes with them.
PCI compliance: Non-compliance can cost $30 mo. Payarc’s encrypted gateway and hosted pages keep merchants on the right side of PCI, so no penalties or extra “PCI service” line items.
Reducing disputes and compliance fines protects margin just as powerfully as trimming headline rates.
Why Payarc Beats the "Normal" Price Tag
Feature | Typical Processor | Payarc Advantage |
Monthly Account Fee | $10-$40 mo. | $0 |
Gateway Fee | $25 mo. | $0 |
Markup | 0.30 - 0.50% | As low as 0.035% |
Dual Pricing Tools | DIY, risk of non-compliance | Payarc turnkey, always fully compliant |
Customer Support | Long waits, not always available | 24/7 support with a <60 sec hold time |
Make the Math Work for You!
Every fraction of a percent saved is extra profit (or a stronger commission for agents). Whether you are renegotiating interchange-plus, activating dual pricing, or rolling multiple tools into Payarc’s fee-free platform, the result is the same: lower payment processing costs and higher take-home revenue. Curious what your statement could look like with Payarc? Reach out for a review and start turning “necessary expenses” into saved profit.
