06/04/2026
Business Owners: Read This.
A new report highlighted research estimating that cash and debit card users subsidize roughly $30 billion per year in credit card rewards programs. Why? Because merchants pay processing fees, and those costs often get built into prices.
Think about that for a second.
The airline miles.
The cash back.
The hotel points.
Someone pays for them.
And if you’re a small business owner, there’s a good chance it’s coming out of your margins.
Many business owners have accepted 2.5%–4% processing costs as “just part of doing business.” But in today’s economy, every percentage point matters.
What could an extra 3% mean for your business?
✅ New equipment
✅ Higher employee wages
✅ More advertising
✅ Facility improvements
✅ More money staying in our local community
I’m not anti-credit card. Customers want to pay with cards, and businesses should accept them.
What I am saying is that business owners should understand their options.
If you’re paying processing fees today, there may be ways to:
* Reduce them
* Eliminate them
* Improve your customer checkout experience
* Upgrade your equipment at little or no upfront cost
Before you sign another processor agreement or assume you’re getting the best deal, let’s have a conversation.
If you’re a small business owner in Northern New York, send me a message. I’ll review your current setup and tell you exactly where you stand—even if you don’t switch.
The easiest way to increase profit isn’t always selling more. Sometimes it’s keeping more of what you’ve already earned. 💳🏪📈
