Processing fees
How to Lower Credit Card Processing Fees Without Switching Software
A practical guide to lowering credit card processing fees without changing software. Learn how bundled payments add cost and how to calculate your real rate.
Most owners choose their software, bank, and team. Almost nobody chooses the payment processor. The software chooses it for them, then the processing cost lands inside one bundled rate.
See where markup hides
Your software's payment company adds its own cut to the card's underlying cost. That cut sits inside one blended percentage. It does not appear as a separate line.
Work out what you pay
Take your total processing fees for one month. Divide that number by the card volume from the same month. The result is your real processing rate, not the rate from an advertisement or sales quote.
Separate the two decisions
Owners keep paying the bundled rate because they think leaving the processor means leaving the software. It does not. Your software and your payment processor are two separate choices.
Keep the software
ShopConnect Pro is a free Chrome extension that sits on the platform you already use. It sends each card to a lower-cost processor. On 32 platforms, ShopConnect Pro writes the payment back into the invoice or repair order and matches it to your bank deposit. On 232 more platforms, you charge from inside the software with terminals, links, and card on file. That is 264 platforms supported in total.
Choose how customers pay
Runs as dual pricing, not a surcharge: customers see both prices before they pay. State disclosure rules vary; we configure the disclosures and receipts for your state at setup.
Compare the two setups
Nothing changes in your software. The difference is who chooses the processor.
| What is compared | Bundled software payments | ShopConnect Pro |
|---|---|---|
| Who picks the processor | Your software does | You do |
| Typical all-in cost | 2.9%-3.6% | 2.2%-2.5% |
| What changes in your software | Nothing | Nothing |
| What it costs to start | Included by default | Free Chrome extension |
Questions about lowering fees
Can I lower processing fees without changing software?
Yes. ShopConnect Pro keeps your platform and sends the card to a lower-cost processor. On 32 platforms, it writes the payment back into the invoice or repair order. On 232 more platforms, you charge from inside the software with terminals, links, and card on file.
How do I calculate my real processing rate?
Divide your total fees for one month by your card volume for that month. The result is your real processing cost as a percentage.
Can customers cover the card fee?
Dual pricing lets customers who pay by card cover the fee. They see both prices before paying. Disclosure rules vary by state, so the setup must match your state.
See what the difference is worth.
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