It all adds up quickly 1.55 to 3.5 percent as much as 3.5% payment processing fees charge impose a credit card transaction fee charge average rates by network higher processing fees Value Penguin have a good summary Value Penguin 1.55 to 3.5 percent 1.55 to 3.5 percent cost of processing payments 1.55 to 3.5 percent 1.44 percent to 2.6 percent for every transaction up to 3.5% charge Value Penguin: Credit Card Processing Fees and Costs credit card processing fee merchant must pay the credit card issuer a fee ValuePenguin for every credit card or debit card purchase other more elaborate point of sale systems cost of processing payments payment processing rates using credit cards charge handful of fees per transaction processing fee varies by network cobran cargos percentage of the transaction cost