{"id":811,"date":"2025-09-27T12:35:00","date_gmt":"2025-09-27T19:35:00","guid":{"rendered":"https:\/\/democontent.codex-themes.com\/sites-elementor-v5\/startup-02\/?p=811"},"modified":"2025-10-27T16:10:02","modified_gmt":"2025-10-27T23:10:02","slug":"5-ways-technology-today-at-improved-business","status":"publish","type":"post","link":"https:\/\/cardplicity.com\/?p=811","title":{"rendered":"How Much Are You Really Paying?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"811\" class=\"elementor elementor-811\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-040a374 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"040a374\" data-element_type=\"section\">\r\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-thegem\"><div class=\"elementor-row\">\r\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b0407d6\" data-id=\"b0407d6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-425e7be flex-horizontal-align-default flex-horizontal-align-tablet-default flex-horizontal-align-mobile-default flex-vertical-align-default flex-vertical-align-tablet-default flex-vertical-align-mobile-default elementor-widget elementor-widget-thegem-animated-heading\" data-id=\"425e7be\" data-element_type=\"widget\" data-widget_type=\"thegem-animated-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"thegem-heading thegem-animated-heading title-h5\" id=\"thegem-heading-425e7be\"><span>Understanding Your Effective Processing Rate<\/span> <\/div><style type=\"text\/css\">#thegem-heading-425e7be {margin: 0;}<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-87794ce flex-horizontal-align-default flex-horizontal-align-tablet-default flex-horizontal-align-mobile-default flex-vertical-align-default flex-vertical-align-tablet-default flex-vertical-align-mobile-default elementor-widget elementor-widget-text-editor\" data-id=\"87794ce\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\r\n\t\t\t\t\t\t<p>When it comes to credit card processing, it\u2019s easy to get lost in the fine print. You see a \u201clow rate\u201d advertised \u2014 maybe 2.9% or 2.5% \u2014 but your monthly statement tells a very different story. The truth is, most businesses are paying far more than they think once all the extra fees, assessments, and surcharges are added in.<\/p><p>At CardPlicity, we believe in transparency. That starts with helping you understand the number that truly matters: your effective processing rate.<\/p>\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f1e9c5a flex-horizontal-align-default flex-horizontal-align-tablet-default flex-horizontal-align-mobile-default flex-vertical-align-default flex-vertical-align-tablet-default flex-vertical-align-mobile-default elementor-widget elementor-widget-thegem-animated-heading\" data-id=\"f1e9c5a\" data-element_type=\"widget\" data-widget_type=\"thegem-animated-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"thegem-heading thegem-animated-heading title-h5\" id=\"thegem-heading-f1e9c5a\"><span>What Is An Effective Processing Rate<\/span> <\/div><style type=\"text\/css\">#thegem-heading-f1e9c5a {margin: 0;}<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a61c9b flex-horizontal-align-default flex-horizontal-align-tablet-default flex-horizontal-align-mobile-default flex-vertical-align-default flex-vertical-align-tablet-default flex-vertical-align-mobile-default elementor-widget elementor-widget-text-editor\" data-id=\"1a61c9b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\r\n\t\t\t\t\t\t<p>Your effective processing rate (EPR) shows what you\u2019re actually paying for credit card processing.<br \/>It\u2019s the total fees charged divided by the total dollar amount of transactions processed for that period.<\/p><p>Example:<br \/>If you processed $100,000 in card payments last month and paid $3,200 in total fees,<br \/>your effective rate is 3.2% \u2014 not the 2.5% your provider advertised.<\/p><p>This simple formula is the clearest way to measure the real cost of your payment processing relationship.<\/p>\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ccf8e53 flex-horizontal-align-default flex-horizontal-align-tablet-default flex-horizontal-align-mobile-default flex-vertical-align-default flex-vertical-align-tablet-default flex-vertical-align-mobile-default elementor-widget elementor-widget-thegem-animated-heading\" data-id=\"ccf8e53\" data-element_type=\"widget\" data-widget_type=\"thegem-animated-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"thegem-heading thegem-animated-heading title-h5\" id=\"thegem-heading-ccf8e53\"><span>Why Your Posted Rate Doesn\u2019t Tell the Whole Story<\/span> <\/div><style type=\"text\/css\">#thegem-heading-ccf8e53 {margin: 0;}<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-82c1aa3 flex-horizontal-align-default flex-horizontal-align-tablet-default flex-horizontal-align-mobile-default flex-vertical-align-default flex-vertical-align-tablet-default flex-vertical-align-mobile-default elementor-widget elementor-widget-text-editor\" data-id=\"82c1aa3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\r\n\t\t\t\t\t\t<p>Most processors quote an \u201cintroductory\u201d or \u201cbase\u201d rate \u2014 often a flat rate for qualified transactions. But real-world processing involves dozens of card types, risk tiers, and hidden markups. Common culprits include:<\/p><ul><li>Non-qualified surcharges for certain rewards or corporate cards<\/li><li>Batch fees and gateway fees added on top of transaction rates<\/li><li>Monthly minimums or \u201cstatement fees\u201d that inflate costs<\/li><li>PCI and compliance charges that appear as administrative fees<\/li><\/ul><p>The result? A much higher true cost \u2014 especially for high-volume or regulated industries.<\/p>\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div><\/div>\r\n\t\t<\/section>\r\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-42ceef8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"42ceef8\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\r\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-thegem\"><div class=\"elementor-row\">\r\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-262330c\" data-id=\"262330c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div><\/div>\r\n\t\t<\/section>\r\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-138818c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"138818c\" data-element_type=\"section\">\r\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-thegem\"><div class=\"elementor-row\">\r\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ca689d1\" data-id=\"ca689d1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f963d1f flex-horizontal-align-default flex-horizontal-align-tablet-default flex-horizontal-align-mobile-default flex-vertical-align-default flex-vertical-align-tablet-default flex-vertical-align-mobile-default elementor-widget elementor-widget-thegem-animated-heading\" data-id=\"f963d1f\" data-element_type=\"widget\" data-widget_type=\"thegem-animated-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"thegem-heading thegem-animated-heading title-h5\" id=\"thegem-heading-f963d1f\"><span>Why It Matters for High-Volume Businesses<\/span> <\/div><style type=\"text\/css\">#thegem-heading-f963d1f {margin: 0;}<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f71eb8 flex-horizontal-align-default flex-horizontal-align-tablet-default flex-horizontal-align-mobile-default flex-vertical-align-default flex-vertical-align-tablet-default flex-vertical-align-mobile-default elementor-widget elementor-widget-text-editor\" data-id=\"4f71eb8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\r\n\t\t\t\t\t\tIf you\u2019re a medical or dental practice, a retail chain, or a high-risk merchant, even a fraction of a percent matters.\nFor example, reducing your effective rate by 0.5% on $500,000\/month in volume equals $2,500 in monthly savings \u2014 or $30,000+ per year.\n\nCardPlicity specializes in identifying and eliminating unnecessary markups, helping you keep more of what you earn.\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dbce740 flex-horizontal-align-default flex-horizontal-align-tablet-default flex-horizontal-align-mobile-default flex-vertical-align-default flex-vertical-align-tablet-default flex-vertical-align-mobile-default elementor-widget elementor-widget-thegem-animated-heading\" data-id=\"dbce740\" data-element_type=\"widget\" data-widget_type=\"thegem-animated-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"thegem-heading thegem-animated-heading title-h5\" id=\"thegem-heading-dbce740\"><span>How To Calculate Your Rate In 3-Steps<\/span> <\/div><style type=\"text\/css\">#thegem-heading-dbce740 {margin: 0;}<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f2776c flex-horizontal-align-default flex-horizontal-align-tablet-default flex-horizontal-align-mobile-default flex-vertical-align-default flex-vertical-align-tablet-default flex-vertical-align-mobile-default elementor-widget elementor-widget-text-editor\" data-id=\"6f2776c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\r\n\t\t\t\t\t\t<ol><li>Find your total processing fees (usually on the last page of your statement).<\/li><li>Find your total monthly volume (the total amount processed).<\/li><li>Divide total fees by total volume and multiply by 100.<\/li><\/ol><p>That\u2019s your effective processing rate \u2014 the number that actually matters.<\/p>\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b5fc9a3 flex-horizontal-align-default flex-horizontal-align-tablet-default flex-horizontal-align-mobile-default flex-vertical-align-default flex-vertical-align-tablet-default flex-vertical-align-mobile-default elementor-widget elementor-widget-thegem-animated-heading\" data-id=\"b5fc9a3\" data-element_type=\"widget\" data-widget_type=\"thegem-animated-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"thegem-heading thegem-animated-heading title-h5\" id=\"thegem-heading-b5fc9a3\"><span>Want To Know Your True Rate?<\/span> <\/div><style type=\"text\/css\">#thegem-heading-b5fc9a3 {margin: 0;}<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0f3b490 flex-horizontal-align-default flex-horizontal-align-tablet-default flex-horizontal-align-mobile-default flex-vertical-align-default flex-vertical-align-tablet-default flex-vertical-align-mobile-default elementor-widget elementor-widget-text-editor\" data-id=\"0f3b490\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\r\n\t\t\t\t\t\t<p>Upload your latest merchant statement to our Free Savings Review Form and we\u2019ll calculate your effective rate for you \u2014 no cost, no obligation.<br \/><br \/><\/p><p data-start=\"2887\" data-end=\"3188\">Within 24 hours, our team will send you a full analysis showing exactly where you can save and what your optimized rate would be with CardPlicity.<\/p><p data-start=\"3190\" data-end=\"3266\">Because smart businesses don\u2019t just process payments \u2014 they understand them.<\/p>\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div><\/div>\r\n\t\t<\/section>\r\n\t\t<div class=\"elementor-element elementor-element-6f0feee thegem-e-con-layout-thegem e-flex e-con-boxed e-con e-parent\" data-id=\"6f0feee\" data-element_type=\"container\" data-settings=\"{&quot;thegem_container_layout&quot;:&quot;thegem&quot;}\">\r\n\t\t\t\t\t<div class=\"e-con-inner\">\r\n\t\t\t\t<div class=\"elementor-element elementor-element-6f37000 flex-horizontal-align-default flex-horizontal-align-tablet-default flex-horizontal-align-mobile-default flex-vertical-align-default flex-vertical-align-tablet-default flex-vertical-align-mobile-default elementor-widget elementor-widget-thegem-cta\" data-id=\"6f37000\" data-element_type=\"widget\" data-settings=\"{&quot;thegem_elementor_preset&quot;:&quot;outlined-thin&quot;}\" data-widget_type=\"thegem-cta.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<div class=\"gem-alert-box\">\n\n\t\n\t\t<div class=\"gem-alert-box-top gem-alert-box-top-none default-fill\">\n\t\t\t\t\t<\/div>\n\t\n\t<div class=\"gem-alert-inner bordered-box icon-top button-bottom\">\n\n\t\t\t\n\n\t\t\t\t\t\t\t<div class=\"gem-alert-box-picture\">\n\t\t\t\t\t\t<div class=\"gem-cta-icon-image-wrapper\">\n\t\t\n\t\t\t<div class=\"gem-icon gem-icon-pack-fontawesome gem-icon-size-medium angle-90deg gem-icon-shape-circle\">\n\n\t\t\t\t\n\t\t\t\t<div class=\"icon-hover-bg fade\"><\/div>\n\n\t\t\t\t<div class=\"gem-icon-inner\">\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"padding-box-inner\">\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"gem-icon-half-1\">\n\t\t\t\t\t\t\t\t\t<span class=\"back-angle\">\n\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"gem-mdi mdi-memory\"><\/i>\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<span class=\"gem-icon-half-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"back-angle\">\n\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"gem-mdi mdi-memory\"><\/i>\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t<\/div>\n\n\t\t\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"gem-alert-box-content\">\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t<h5 class=\"gem-cta-title title-h5 bold\">\n\t\t\t\t\tGet Your Free Savings Review!\t\t\t\t<\/h5>\n\n\t\t\t\n\n\t\t\t\n\t\t\t\t<div class=\"gem-cta-description gem-text-output\">\n\t\t\t\t\t<p>Fill out our simple form and we'll do the rest<\/p>\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t<\/div>\n\n\t\t\t<div class=\"gem-alert-box-buttons\">\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"gem-button-container-1 gem-widget-button\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"gem-button gem-button-size-large gem-button-text-weight-bold gem-button-style-flat\" href=\"https:\/\/cardplicity.com\/get-rates\/\">\n\t\t\t\t\t\t<span class=\"gem-inner-wrapper-btn\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"gem-text-button\">\n\t\t\t\t\t\t\t\tGet Your Free Savings Review\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\n\n\t<\/div>\n\n\t\n\t\t<div class=\"gem-alert-box-bottom gem-alert-box-bottom-none default-fill\">\n\t\t\t\t<\/div>\n\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>When it comes to credit card processing, it\u2019s easy to get lost in the fine print. You see a \u201clow rate\u201d advertised \u2014 maybe 2.9% or 2.5% \u2014 but your monthly statement tells a very different story. The truth is, most businesses are paying far more than they think once all the extra fees, assessments, and surcharges are added in.<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"single-fullwidth.php","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[11,10],"class_list":["post-811","post","type-post","status-publish","format-standard","category-credit-card-processing","tag-effective-processing-rate","tag-processing"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How Much Are You Really Paying? - CardPlicity<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/cardplicity.com\/?p=811\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Much Are You Really Paying? - CardPlicity\" \/>\n<meta property=\"og:description\" content=\"When it comes to credit card processing, it\u2019s easy to get lost in the fine print. You see a \u201clow rate\u201d advertised \u2014 maybe 2.9% or 2.5% \u2014 but your monthly statement tells a very different story. The truth is, most businesses are paying far more than they think once all the extra fees, assessments, and surcharges are added in.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/cardplicity.com\/?p=811\" \/>\n<meta property=\"og:site_name\" content=\"CardPlicity\" \/>\n<meta property=\"article:published_time\" content=\"2025-09-27T19:35:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-27T23:10:02+00:00\" \/>\n<meta name=\"author\" content=\"CardPlicity\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"CardPlicity\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/cardplicity.com\/?p=811#article\",\"isPartOf\":{\"@id\":\"https:\/\/cardplicity.com\/?p=811\"},\"author\":{\"name\":\"CardPlicity\",\"@id\":\"https:\/\/cardplicity.com\/#\/schema\/person\/71e41e42cf672d8d66ef772197d41a1b\"},\"headline\":\"How Much Are You Really Paying?\",\"datePublished\":\"2025-09-27T19:35:00+00:00\",\"dateModified\":\"2025-10-27T23:10:02+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/cardplicity.com\/?p=811\"},\"wordCount\":456,\"publisher\":{\"@id\":\"https:\/\/cardplicity.com\/#organization\"},\"keywords\":[\"Effective Processing Rate\",\"Processing\"],\"articleSection\":[\"Credit Card Processing\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/cardplicity.com\/?p=811\",\"url\":\"https:\/\/cardplicity.com\/?p=811\",\"name\":\"How Much Are You Really Paying? - CardPlicity\",\"isPartOf\":{\"@id\":\"https:\/\/cardplicity.com\/#website\"},\"datePublished\":\"2025-09-27T19:35:00+00:00\",\"dateModified\":\"2025-10-27T23:10:02+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/cardplicity.com\/?p=811#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/cardplicity.com\/?p=811\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/cardplicity.com\/?p=811#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/cardplicity.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"How Much Are You Really Paying?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/cardplicity.com\/#website\",\"url\":\"https:\/\/cardplicity.com\/\",\"name\":\"CardPlicity\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/cardplicity.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/cardplicity.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/cardplicity.com\/#organization\",\"name\":\"CardPlicity\",\"url\":\"https:\/\/cardplicity.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/cardplicity.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/cardplicity.com\/wp-content\/uploads\/2025\/10\/cardplicity-logo.png\",\"contentUrl\":\"https:\/\/cardplicity.com\/wp-content\/uploads\/2025\/10\/cardplicity-logo.png\",\"width\":512,\"height\":122,\"caption\":\"CardPlicity\"},\"image\":{\"@id\":\"https:\/\/cardplicity.com\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/instagram.com\/cardplicity\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/cardplicity.com\/#\/schema\/person\/71e41e42cf672d8d66ef772197d41a1b\",\"name\":\"CardPlicity\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/cardplicity.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/c03fc33fde87345a4ed8cb7379f6f65c54af8b0f7cebd7d79a4a82b30d46438a?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/c03fc33fde87345a4ed8cb7379f6f65c54af8b0f7cebd7d79a4a82b30d46438a?s=96&d=mm&r=g\",\"caption\":\"CardPlicity\"},\"url\":\"https:\/\/cardplicity.com\/?author=2\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"How Much Are You Really Paying? - CardPlicity","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/cardplicity.com\/?p=811","og_locale":"en_US","og_type":"article","og_title":"How Much Are You Really Paying? - CardPlicity","og_description":"When it comes to credit card processing, it\u2019s easy to get lost in the fine print. You see a \u201clow rate\u201d advertised \u2014 maybe 2.9% or 2.5% \u2014 but your monthly statement tells a very different story. The truth is, most businesses are paying far more than they think once all the extra fees, assessments, and surcharges are added in.","og_url":"https:\/\/cardplicity.com\/?p=811","og_site_name":"CardPlicity","article_published_time":"2025-09-27T19:35:00+00:00","article_modified_time":"2025-10-27T23:10:02+00:00","author":"CardPlicity","twitter_card":"summary_large_image","twitter_misc":{"Written by":"CardPlicity","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/cardplicity.com\/?p=811#article","isPartOf":{"@id":"https:\/\/cardplicity.com\/?p=811"},"author":{"name":"CardPlicity","@id":"https:\/\/cardplicity.com\/#\/schema\/person\/71e41e42cf672d8d66ef772197d41a1b"},"headline":"How Much Are You Really Paying?","datePublished":"2025-09-27T19:35:00+00:00","dateModified":"2025-10-27T23:10:02+00:00","mainEntityOfPage":{"@id":"https:\/\/cardplicity.com\/?p=811"},"wordCount":456,"publisher":{"@id":"https:\/\/cardplicity.com\/#organization"},"keywords":["Effective Processing Rate","Processing"],"articleSection":["Credit Card Processing"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/cardplicity.com\/?p=811","url":"https:\/\/cardplicity.com\/?p=811","name":"How Much Are You Really Paying? - CardPlicity","isPartOf":{"@id":"https:\/\/cardplicity.com\/#website"},"datePublished":"2025-09-27T19:35:00+00:00","dateModified":"2025-10-27T23:10:02+00:00","breadcrumb":{"@id":"https:\/\/cardplicity.com\/?p=811#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/cardplicity.com\/?p=811"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/cardplicity.com\/?p=811#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/cardplicity.com\/"},{"@type":"ListItem","position":2,"name":"How Much Are You Really Paying?"}]},{"@type":"WebSite","@id":"https:\/\/cardplicity.com\/#website","url":"https:\/\/cardplicity.com\/","name":"CardPlicity","description":"","publisher":{"@id":"https:\/\/cardplicity.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/cardplicity.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/cardplicity.com\/#organization","name":"CardPlicity","url":"https:\/\/cardplicity.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/cardplicity.com\/#\/schema\/logo\/image\/","url":"https:\/\/cardplicity.com\/wp-content\/uploads\/2025\/10\/cardplicity-logo.png","contentUrl":"https:\/\/cardplicity.com\/wp-content\/uploads\/2025\/10\/cardplicity-logo.png","width":512,"height":122,"caption":"CardPlicity"},"image":{"@id":"https:\/\/cardplicity.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/instagram.com\/cardplicity"]},{"@type":"Person","@id":"https:\/\/cardplicity.com\/#\/schema\/person\/71e41e42cf672d8d66ef772197d41a1b","name":"CardPlicity","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/cardplicity.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/c03fc33fde87345a4ed8cb7379f6f65c54af8b0f7cebd7d79a4a82b30d46438a?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/c03fc33fde87345a4ed8cb7379f6f65c54af8b0f7cebd7d79a4a82b30d46438a?s=96&d=mm&r=g","caption":"CardPlicity"},"url":"https:\/\/cardplicity.com\/?author=2"}]}},"menu_order":0,"_links":{"self":[{"href":"https:\/\/cardplicity.com\/index.php?rest_route=\/wp\/v2\/posts\/811","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cardplicity.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/cardplicity.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/cardplicity.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/cardplicity.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=811"}],"version-history":[{"count":6,"href":"https:\/\/cardplicity.com\/index.php?rest_route=\/wp\/v2\/posts\/811\/revisions"}],"predecessor-version":[{"id":1269,"href":"https:\/\/cardplicity.com\/index.php?rest_route=\/wp\/v2\/posts\/811\/revisions\/1269"}],"wp:attachment":[{"href":"https:\/\/cardplicity.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=811"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/cardplicity.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=811"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/cardplicity.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=811"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}