Ask your service provider to explain your rates:

  • Know what you are paying if your provider uses terms like mid-qualified or non-qualified.
  • Ask what are the rates for reward cards.
  • If they offer you low base rates, do you pay higher rates for the credit cards your customers actually use.


Accept debit cards:

Debit cards cost less to process than credit card transactions. With over 300 million debit cards in use, this opportunity can offer substantial savings.

Make sure your processing products and services are right for your business:

There are many products to help businesses accept transactions. Depending on your needs and desired goals, not all of them may be right for you. If your service provider doesn’t take the time to investigate your needs, do some research to ensure you are not paying more than you should.

Ask about their customer service:

  • Do they have 24/7 customer service number ?
  • Do they handle customer service internally or subcontract it out to others ?
  • Are their call centers in the United States or overseas ?

Believe it or not there is a newer credit card processor that does not have a phone line. All questions and issues are done by email.

Reputation of your processor:

  • Make sure they are ethical.
  • Do they have a Better Business Bureau rating ?
  • How long have they been in the processing business ?
  • Can they handle businesses of your size and larger ?