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 & boutiquesBars & Nightclubs
Open tabs, walkouts, late-night chargebacks and a flood of small taps between midnight and close.
Payment solutions for bars & nightclubsCafes & Coffee Shops
Hundreds of small taps a day, where a fixed per-transaction fee can cost more than the percentage.
Payment solutions for cafes & coffee shopsFood Trucks
Weak signal at festivals, dead batteries at the worst moment, and small tickets taxed by fixed fees.
Payment solutions for food trucksQuick-Service Restaurants
High volume, small tickets, kiosks, drive-thrus and delivery apps all feeding one statement.
Payment solutions for quick-service restaurantsBakeries
Small morning tickets, big custom-cake deposits and wholesale orders on one statement.
Payment solutions for bakeriesCatering
Large deposits months ahead, final balances after the event, and corporate cards that cost more.
Payment solutions for cateringLiquor Stores
Age verification, high-value bottles, thin margins and weekend rushes.
Payment solutions for liquor storesGas Stations
Pay-at-pump hardware, fleet cards, fuel pre-authorizations and a convenience store on one lot.
Payment solutions for gas stationsBarbershops
Small tickets, tips on cards, no-shows and barbers renting chairs.
Payment solutions for barbershopsNail Salons
Tips split between technicians, walk-in rushes and small-to-medium tickets.
Payment solutions for nail salonsDay Spas
Package prepayments, no-shows on long treatments, gratuities and gift cards.
Payment solutions for day spasAuto Repair
Large repair tickets, fleet accounts, keyed-in phone payments and warranty disputes.
Payment solutions for auto repairCar Dealerships
Vehicle deposits, down payments on card limits, and busy service and parts counters.
Payment solutions for car dealershipsTowing
Payments taken at the roadside, non-consent tows that end in disputes, and motor club billing.
Payment solutions for towingRoofing
Large deposits, insurance-funded jobs, storm surges and progress payments.
Payment solutions for roofingHVAC
Emergency service calls, large installs and maintenance plans billed monthly.
Payment solutions for hvacPlumbing
After-hours emergencies, on-site payments and commercial invoices.
Payment solutions for plumbingElectrical Contractors
Residential service calls, commercial progress billing and supply-house purchases.
Payment solutions for electrical contractorsGeneral Contractors
Material deposits, progress payments, change orders and final balances that customers delay.
Payment solutions for general contractorsLandscaping
Weekly service billed monthly, seasonal swings and snow removal contracts.
Payment solutions for landscapingCleaning Services
Recurring residential clients, commercial contracts on invoices and crews paid weekly.
Payment solutions for cleaning servicesPest Control
Quarterly service plans, one-off treatments and commercial accounts.
Payment solutions for pest controlChiropractic
Per-visit copays, prepaid care plans, HSA and FSA cards and insurance balances.
Payment solutions for chiropracticVeterinary
Large emergency bills, wellness plans and pet owners who need payment options.
Payment solutions for veterinaryOptometry
Exams, eyewear orders with deposits, HSA and FSA cards and insurance balances.
Payment solutions for optometryPharmacies
Copays, HSA and FSA cards, front-store retail and delivery.
Payment solutions for pharmaciesLaw Firms
Retainers into trust, earned fees into operating, and bar rules on processing fees.
Payment solutions for law firmsAccounting Firms
Tax-season invoice spikes, monthly bookkeeping retainers and clients who prefer cards.
Payment solutions for accounting firmsProperty Management
Rent collection, security deposits, application fees and card costs on large payments.
Payment solutions for property managementChildcare
Weekly or monthly tuition, registration fees and late pickup fees.
Payment solutions for childcareTutoring & Education
Monthly tuition, term fees, registration and families paying for several children.
Payment solutions for tutoring & educationJewelry Stores
High-value sales, fraud attempts, layaway, repairs and custom orders.
Payment solutions for jewelry storesFurniture Stores
Large tickets, deposits on special orders, delivery weeks later and financing.
Payment solutions for furniture storesFlorists
Phone and online orders, wedding deposits and holiday rushes.
Payment solutions for floristsPet Stores & Grooming
Retail sales, grooming appointments, no-shows and subscriptions for food delivery.
Payment solutions for pet stores & groomingLaundromats & Dry Cleaners
Coin machines moving to cards, small tickets and garments left unpaid.
Payment solutions for laundromats & dry cleanersEvent Venues
Deposits months ahead, final balances and bar sales on event nights.
Payment solutions for event venuesMoving Companies
Estimates that change, deposits, delivery-day balances and damage claims.
Payment solutions for moving companiesIndustry 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, usually within 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.