How Merchants Quietly Overpay $2,400/Year in Credit Card Processing Fees

Описание: Most merchants don’t choose to overpay for credit card processing. It happens quietly over time—because pricing is layered, statements are confusing, and the “rate” you were quoted is rarely the full story.

In this video, we break down how a typical merchant can lose about $2,400 per year in processing fees without noticing—and the simplest way to sanity-check what you’re really paying.

The one-number reality check:
Effective rate = total processing fees ÷ total card sales

Watch this if you want to:
• understand what you’re actually paying (not just what you were quoted)
• spot where fees drift over time
• learn the difference between interchange, network fees, and processor markup
• reduce higher-cost acceptance behaviors (like unnecessary keyed-in transactions)

We’re Paygent.ai. We help small businesses make confident payment processing decisions with clarity and transparency. We are not a payment processor, and we do not process payments.

———
About Paygent.ai

Paygent.ai is a payment transparency platform designed to help small and mid-sized businesses understand their payment processing costs. By analyzing payment data and separating interchange, network fees, and processor markup, Paygent.ai helps businesses make more informed financial decisions.

———

Blog post (full breakdown): https://na2.hubs.ly/H04fpfH0
Learn more about Paygent.ai: https://paygent.ai
Create an account: https://app.paygent.ai

Chapters:
00:00 Intro
00:45 Why merchants overpay (without realizing it)
03:10 The effective rate “truth test”
06:00 The layers of processing fees
10:25 The “2.9%” headline vs statement reality
14:10 Keyed-in vs tap/insert/swipe (why it matters)
18:30 What to look for on your statement
23:10 What Paygent.ai does (and does not do)
25:30 Closing

#smallbusiness #payments #creditcardprocessing #merchantservices #fintech #paygentai