For small business owners, every dollar counts. While many focus on inventory costs, rent, or employee wages, there’s another critical expense that can silently eat into profits: payment processing fees. These fees are a necessary part of doing business in today’s digital economy, but understanding and managing them effectively can make a significant difference to your bottom line.

Breaking Down Payment Processing Fees

Whenever a customer pays with a credit or debit card, your business incurs a fee for processing the transaction. These fees typically fall into three categories:

1. Interchange Fees: These are paid to the customer’s card-issuing bank and are often the largest portion of the fee.
2. Assessment Fees: These are collected by the card networks (e.g., Visa, MasterCard, Discover) for using their payment systems.
3. Processor Fees: These are charged by your payment processor for handling the transaction.

On average, businesses pay between 2% and 4% of each transaction in processing fees. While this may not seem like much, it adds up quickly. For example, if your annual credit card sales total $500,000, you could be paying as much as $20,000 in processing fees. That’s $20,000 out of your profits—money that could have been reinvested into your business.

The Hidden Costs of Payment Processing

Beyond the direct fees, there are hidden costs to consider, such as:

• Chargebacks: Disputed transactions can lead to lost revenue and additional fees.
• Equipment Costs: Terminals and point-of-sale (POS) systems often require upfront and ongoing expenses.
• Time Spent Managing Fees: Sorting through complex statements and understanding fee structures can drain valuable time and resources.

How EPIC ZERO Can Help

At EPIC Merchant Systems, we understand the impact payment processing fees have on small businesses. That’s why we’ve developed the EPIC ZERO Payment Program—a revolutionary solution designed to help you keep more of your hard-earned money.

What is EPIC ZERO?

EPIC ZERO eliminates the burden of traditional payment processing fees by offering a simplified, transparent pricing model. Here’s how it works:

1. No Processing Fees: Instead of paying interchange, assessment, and processor fees, your customers pay a small, clearly disclosed fee at checkout.
2. Full Profit Retention: You keep 100% of the sale amount, allowing you to maximize profitability.
3. Compliance and Transparency: Our program is fully compliant with card network rules, and customers are always informed of the fee before completing their purchase.

Benefits for Small Businesses

• Increased Profit Margins: Retain more revenue from every transaction.
• Simplified Billing: Say goodbye to complex statements and hidden fees.
• Predictable Costs: Budget with confidence knowing you won’t face unexpected processing charges.

Real-World Impact

Imagine a small coffee shop processing $250,000 annually in credit card sales. Under a traditional 3% fee structure, they would lose $7,500 to processing fees. With EPIC ZERO, that $7,500 stays in their pocket—money that could be used to hire additional staff, upgrade equipment, or launch a new marketing campaign.

Why Choose EPIC Merchant Systems?

As a Veteran-owned, Pro-America business, EPIC Merchant Systems is dedicated to supporting small businesses across the nation. We pride ourselves on delivering personalized service, ensuring you work with a real person who understands your needs. When you partner with us, you’re not just getting a payment processor—you’re gaining a team that’s invested in your success.

Take Control of Your Bottom Line Today

Don’t let payment processing fees chip away at your profits. Discover how the EPIC ZERO Payment Program can transform your business. Contact us today to learn more and start saving immediately.

With EPIC Merchant Systems, you’re not just saving money—you’re standing with a company that values God, family, and country, and is committed to helping small businesses thrive.