Credit Card Processing
The Good Mafia of Credit Card Processing
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Square & Stripe. America's Most Expensive Processors
Behind the sleek design:
Hidden fees, inflated rates, and no way to pass the fees.
Square
High Fees
You pay 2.6% to 3.5% on every sale. That adds up fast once your sales increase.
You Can’t Pass Fees to Customers
Square doesn’t let you pass the fee to your customer (add a surcharge) so you eat the cost on every sale.
No Discounts for Big Volume
Even when you make $50K+ a month, you still pay the same high rate. No special deals.
Flat Rates Aren’t Always Fair
Square charges the same high fee for cards which are cheaper to process such as debit cards. Thus, you could be overpaying for easy transactions.
Extra Fees for Add-ons
Want payroll, marketing tools, or better reports? That’s all extra money.
Bad for Big Businesses
Once you grow, Square becomes too expensive compared to other processors.
EXPENSIVE SIMPLICITY
COSTLY CONVENIENCE
Stripe
High Flat Fees
You pay 2.9% + $0.30 per online sale—no matter what card is used, even if cheaper cards are used. This adds up very fast, even for small businesses.
Passing Fees to Customers is Complicated
Stripe allows surcharging, but it’s not built-in. You need manual setup and must follow strict rules—most merchants don’t bother, so you end up covering the fees.
No Interchange-Plus Option by Default
You can’t take advantage of lower-cost debit cards or business rates. You're stuck with the same price for every single sale.
$15 Chargeback Fee
If a customer disputes a charge, you pay Stripe $15, even if you win the dispute.
Bad for Big Businesses
Once you grow, Stripe also becomes too expensive compared to other processors.
