The short answer
Rough card-present benchmarks: at $10,000 monthly, 2.5%-2.9% effective is normal; at $50,000, 2.3%-2.6%; at $250,000, 2.1%-2.4%; at $1M, 1.9%-2.2%. Card-not-present and commercial card mixes sit higher. If your rate has not moved as volume grew, that is the finding.
What should change at each step
At $50,000, move to interchange-plus and remove all fixed fees. At $250,000, negotiate markup down and review downgrades monthly. At $1M, expect dedicated support, custom underwriting and quarterly interchange optimisation reviews.
Growth is the moment to re-shop
Volume increases are the strongest negotiating position you will ever have, and they are also the moment providers count on you being too busy to check.
Key takeaways
- Every volume threshold is a re-pricing opportunity
- Rate should fall as volume rises — verify it did
- Re-shop after any material growth
Want this checked against your own statement?
We are an independent agent — we shop every processor we work with and bring you the best deal for your profile. Free analysis, every fee named, back within 4 hours. Or call now and we will quote you on the phone.