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What you pay to accept cards isn't one-size-fits-all. A cafe taking hundreds of $5 taps and a mechanic invoicing $1,500 jobs feel fees in completely different ways. Pick your industry below to see its specific card-payment dynamics, an indicative fee range, and what to look for in a provider.
Two things mostly drive the gap: your average ticket size and your card mix. Low-ticket, high-volume businesses like cafes feel fixed per-transaction fees the most, while high-ticket businesses like tyre shops feel the percentage rate. A heavier share of premium credit, Amex or international cards lifts the blended rate; a debit-heavy mix lowers it. Seasonality, recurring membership billing, booking deposits and health-fund claiming all add further wrinkles. The guides below break it down per industry — all figures are indicative.
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