Like trying to estimate payment processing fees, there’s no cut and dry answer for what an “average merchant fee” might be. Merchant fees include interchange and processing fees from your payment processor. Your average merchant fee could widely differ from another business owner’s. This is because: While interchange rates are fixed, what your business pays in interchange overall is based on many factors, including: Number of card-present transactions Type of credit card used (card brand, rewards cards, debit, etc.) Number of chargebacks Number of interchange downgrades The level of credit card data included in individual transactions Number of qualified, mid-qualified and non-qualified transactions Your processing fees will be unique to the processor you choose. Fees can include monthly statement fees for services provided and any additional fees based on your processing habits, such as PCI compliance program fees or non-compliance penalties, the number of providers in the authorization network, etc.