Our Processing Fees

Crystal Clear Expectations to Keep You Focused on What You Do Best

Owning a business comes alongside plenty of expenses, including merchant processing fees associated with credit and debit card payments. And, unfortunately, when partnering with merchant service providers, the many fees can quickly become puzzling and even misleading. Many companies take advantage of the complexity of processing fees, leaving merchants in the dark before signing the contract. In the end, they ultimately charge merchants additional, hidden costs that are often non-negotiable. Between your valuable customers, everyday tasks, and keeping your business afloat, you have enough on your hands. That’s why we are committed to keeping your merchant processing fees as transparent as possible—you will never have to question the amount that’s coming out of your pocket. Not to mention, our fees will always stay the same.

Negotiable Processing Fees

Our processing fees are negotiable, fluctuating between 1.7% and 3.5% depending on the cards used for transactions. The fluctuation rate is simple as it is based on the number of different card types accepted and cardholder rewards. Visa and Mastercard have their own 0.13% + $0.02 industry fees, which help cover the sale’s approval, and these rates fluctuate less often.
The good news is that the fees that we negotiated for you always stay the same. ​Our customers’ processing fees always stay around 2–2.5 percent. This rate includes bank Interchange fees, VS/MC/AX assessments, transaction and processing fees. We regularly monitor our customers’ merchant statements and, if we see unnecessary additions to the current rates, we respond accordingly.
* Take a look at the Cash Discount Program page to find out how you can stop paying credit card fees and pass them to the customers.

Negotiable Processing Fees

All payments are handled and processed by the Shift4 Payment Gateway, using the most up-to-date payment terminals, EMV technology, P2PE, and tokenization. (learn more.)

Next Day & Same Day Funding

And, above all, each one of our merchants qualifies for next-day funding. Unlike many merchant service providers, with Harbortouch, you can solve any cash flow problems and receive your funds in less than 24 hours rather than wait 2-3 days.

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