Credit Card Processing Fees Explained: What You Should Actually Pay

The Fee Problem Nobody Talks About

Ask most business owners what they pay for payment processing, and they'll quote a rate — usually something like "2.6% + 10¢." But that's rarely the full picture.

Hidden below the surface are batch fees, statement fees, PCI compliance fees, gateway fees, minimum monthly fees, and account maintenance charges. By the time you add it all up, that "competitive" 2.6% rate is actually costing you 3.5% or more.

Simple's Approach: 2.39% Flat

Simple charges 2.39% per transaction. Period. No plus-ten-cents. No batch fees. No monthly minimums. No PCI compliance surcharges. No statement fees.

What you see is what you pay. Every month, every transaction, every time.

Why Transparency Matters

Hidden fees aren't just expensive — they make planning impossible. When you don't know your true processing cost, you can't accurately price your products, forecast your margins, or compare providers fairly.

With a flat 2.39% rate, the math is simple. Process $10,000 in sales, pay $239 in processing. No spreadsheet required.

What's Included

Simple's payment processing includes:

• All card types — Visa, Mastercard, Amex, Discover
• Contactless payments — Apple Pay, Google Pay, tap-to-pay
• Online payments — Secure checkout for your e-commerce store
• Invoice payments — Customers pay directly from emailed invoices
• Next-day deposits — Your money, in your account, fast

No Contracts, No Lock-In

Simple doesn't require long-term processing contracts. You're not locked in for three years with early termination penalties. Use Simple because it's better — not because you're trapped.

The Savings Add Up

For a business processing $50,000/month, the difference between 2.39% and a typical effective rate of 3.2% is $405/month — nearly $5,000 per year. That's real money that stays in your business instead of lining your processor's pockets.