Every industry has its own fee traps
A restaurant loses money to tip adjustments and delivery fees. A B2B distributor loses it to missing Level III data. A gym loses it to failed recurring charges nobody chased. Different problems, different fixes.
Restaurants
Tip adjustments, split checks, delivery-app fees and swipe rates that quietly climb every quarter.
Payment solutions for restaurantsRetail
Multi-location inventory drift, seasonal volume swings and non-qualified downgrade fees.
Payment solutions for retailOnline & eCommerce
False declines, chargeback ratios, cross-border fees and gateway lock-in.
Payment solutions for online & ecommerceHealthcare
Patient balances that age out, HSA/FSA card handling and HIPAA-adjacent data risk.
Payment solutions for healthcareProfessional Services
Net-30 invoices paid at net-60, trust-account rules and card fees on five-figure invoices.
Payment solutions for professional servicesBeauty & Salons
No-shows, tip splitting across chairs and booth-rent bookkeeping.
Payment solutions for beauty & salonsWellness & Fitness
Failed recurring charges, expired cards and members who churn on a declined payment.
Payment solutions for wellness & fitnessGrocery & Convenience
Low tickets, high transaction counts and per-item fees that outweigh the percentage rate.
Payment solutions for grocery & convenienceHardware & Home
Level II/III data left on the table for B2B card sales, plus deposits taken in the field.
Payment solutions for hardware & homeLodging & Hospitality
Incremental authorisations, no-show billing and card-not-present downgrades on remote bookings.
Payment solutions for lodging & hospitalityWholesale & B2B
Large invoices on commercial cards, ACH/EFT that takes days and manual reconciliation.
Payment solutions for wholesale & b2bNon-profit
Processing fees pulled out of restricted funds and donors who abandon clunky forms.
Payment solutions for non-profitFashion & Boutiques
Split systems between the shop floor and the web store, and returns that take an hour to reconcile.
Payment solutions for fashion & boutiquesIndustry questions
Interchange categories are set partly by merchant category code, and risk profile drives underwriting, reserves and funding speed. A grocery store and a B2B distributor with identical volume can pay very different effective rates for entirely legitimate reasons — and some entirely illegitimate ones.
Most do not fit perfectly. The categories are a starting point; the analysis is specific to your statement and your MCC.
Some, case by case. We will tell you quickly and directly if we are not the right fit rather than running you through an application that will not be approved.
Every fee named in 4 hours. Or call now and we quote you on the spot.
Everyone else in this industry says twenty-four hours. We say four — and if that is still too slow, pick up the phone and get your numbers while you are on the call. No contract, nothing to cancel, no pressure.