Card fees are the bill nobody reads. A rate that sounds small is charged on every dollar that moves through your shop, every month, forever — and the gap between two quotes that both look reasonable can be a few thousand dollars a year.
How this is calculated
Monthly transactions are your card volume divided by your average ticket. Your current annual cost is volume × your percentage rate, plus your per-transaction fee on every sale, plus your monthly fee, times twelve. BarberFlow costs 2.8% of your card volume plus $0.30 per transaction, with no monthly fee. Both annual totals assume the same volume and average ticket each month.
What goes into your processing bill
Your processing bill can include a percentage of each sale, a fixed fee per transaction, and a monthly fee. Include all three when comparing providers. BarberFlow charges 2.8% + $0.30 per card transaction with no monthly fee, so a $45 payment costs $1.56 to process.
Compare the total cost
A lower percentage can still cost more once per-transaction and monthly fees are included. Your average ticket matters because the fixed fee applies to every payment. Use your own card volume and ticket size, then compare the annual totals. If your current processor uses interchange-plus pricing, use the effective percentage and per-transaction fees from your statement.
How BarberFlow prices
2.8% + $0.30 per card transaction, no monthly fee, no setup cost, no terminal lease. If the numbers above say your current setup is cheaper, then it is cheaper. We price-match, and you can run the comparison yourself with your own statement in front of you.