You have different ways of saving money on credit card processing fees. Start by choosing the right fee structure by considering the bundled fees and what is ideal for your business. If you sell big-ticket items, you may find interchange-plus pricing cheaper compared to a flat fee. You can also negotiate with your payment processor, provided you have a history with them, and your business is growing. Your processor won’t want to lose a growing business. Besides, you can encourage customers to use debit cards since, in tiered pricing, they fall under the lower, qualified rate. So, you will save money when customers pay with debit cards. As well, avoid using a swipe function and go for a chip reader terminal. Even though it may not save you money immediately, it will help in the future when a customer issues a payment dispute. Also, setting a minimum amount for credit card transactions saves you money. For instance, avoid credit card transactions for $2.00 payment when the processor charges you $0.30 for each transaction. This applies when you have interchange-plus pricing or tiered pricing. Another way you can save money on fees is by passing those fees to customers. Many states in the US permit businesses to do so. You can charge your customers a surcharge fee when checking out using a credit card.