Debit transactions, especially PIN debit, generally carry lower interchange than credit. High debit volume means a lower overall effective rate.
Credit cards — particularly premium rewards cards — carry higher interchange, because someone has to fund those points and miles. A customer base that loves rewards cards quietly raises your costs.
Surcharging applies to credit, not debit, so your card mix affects how a program is structured. I'll look at your actual mix and recommend the approach that nets you the most. See the program options.
A free statement review shows your credit/debit split and exactly what it's costing you.
Lowering what you pay to accept a card frees up money every month with no extra work and no new customers. The businesses that grow from there spend it on the three things that actually bring customers in: answering every call, a site that converts, and showing up on Google.
A free review shows your credit/debit split and the best program for it.
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