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Payments 101

The hidden fees on your statement.

Some line items on your statement are real network costs. Many are pure padding. Here's how to tell the difference — and kill the junk.

By (Rich The Payment Guy) · Updated
Payment processing and equipment through US Card Solutions, a registered provider on the Fiserv network, plus done-for-you growth services. Miami, Houston and Honolulu, and all 50 states remotely.

The usual suspects

  • PCI / non-complianceOften inflated, and avoidable with proper, free compliance setup.
  • Statement & batch feesSmall, recurring, and usually pure margin.
  • “Regulatory” / “network access” feesVague names that deserve a hard look.
  • Monthly minimum & annual feesCharges for the privilege of being a customer.
  • Tiered pricing buckets“Non-qualified” surcharges that quietly raise your rate.

How to kill them

Move to transparent pricing where you see the true network cost and a clear markup — or a zero-cost program where the cost comes off your margin entirely. Either way, the junk fees go. Start by finding them on your statement.

Free junk-fee audit

Send me your statement and I'll circle every padded fee and show you what it should be.

What the savings fund

Cutting your card fees is step one. Here is what the savings fund.

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.

Kill the junk fees.

A free statement review flags every padded fee — no obligation.

Get my free Growth AuditBook 15 minutes
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