r/MerchantServices

I process $3M+ year in credit card transactions. Printing services, hardly any chargebacks. Currently 2.8% on invoices in quickbooks online. How low can I actually get these fees down to?

With the complexity of modern card brands, is flat-rate or subscription pricing now objectively better for the average $20k/month SMB merchant?

Hey all — curious how others here are thinking about this.

We’ve spent years competing against Square in the SMB space… and let’s be honest, they’ve earned their spot. The ease of onboarding, clean UX, and fast approvals solve a lot of real problems for merchants.

Lately, we decided to take a different approach and become a reseller instead of just competing head-on.

Not saying it’s the answer for everyone, but a few things stood out:

• Some merchants clearly value simplicity over optimization
• Speed to board still wins a surprising number of deals
• It opens doors with accounts we might not have landed otherwise

At the same time, we’re still leading with traditional merchant accounts, interchange-plus, and more customizable setups where it actually makes sense.

Curious:

• Anyone else here blending both models?
• Are you seeing margin compression or just better close rates?
• Where do you draw the line between “simple” and “too expensive for the merchant”?

Genuinely interested in how others are navigating this shift.