Is your payment provider quietly eating your margin?

Most merchants know their headline transaction fee. Far fewer know what they pay for chargebacks, currency conversion, payouts and monthly minimums. Added up, those “small” fees often double the real cost of accepting a payment.

Where the hidden costs come from

Chargeback fees, scheme fees, payout fees and settlement delays all sit between your sale and your bank account. Bank payments remove most of them at once: there is no card scheme in the middle and no chargeback mechanism.

How to compare providers honestly

Take one month of real sales and calculate the total amount that actually landed on your account. That single number tells you more than any price list.