The short answer
A batch fee is charged each time you close a batch of transactions for settlement, typically $0.15 to $0.35. Closing one batch a day costs a few dollars a month. Closing four batches a day across three terminals costs considerably more, and many merchants do exactly that without realising it.
Batching also affects your rate
Batches left open beyond about 24 hours can cause transactions to downgrade into more expensive interchange categories. So the habit that saves a few batch fees can cost far more in downgrades. Close once daily, automatically.
Auto-batch is the fix
Set an automatic batch close at a fixed time after your business day ends. It caps the fee, prevents downgrade risk from stale authorisations, and makes reconciliation predictable.
Key takeaways
- One automatic daily batch close is almost always optimal
- Stale batches cause interchange downgrades far costlier than the fee
- Multiple terminals multiply the fee unless configured together
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