What we look at
Cards versus ACH
For repeat buyers paying large invoices, ACH may lower costs. We compare the full cost and weigh it against the customer’s payment preference and your collection process.
On a $15,000 order, a quarter of one percent is $37.50. Repeated across a year of sales, seemingly small differences can matter. We examine the complete cost of receiving payments, including fees outside the quoted rate.
Some transactions may qualify for different interchange rates when the gateway passes eligible purchase details. We check the card mix and the data your system actually sends.
Delays between authorization and settlement, gateway charges, and manual reconciliation can affect both cost and staff time.
We review the effective rate, monthly fees, equipment commitments, renewal dates, and the cost of any proposed replacement.
For repeat buyers paying large invoices, ACH may lower costs. We compare the full cost and weigh it against the customer’s payment preference and your collection process.
Send us a statement and tell us how customers place and pay for orders. We will explain where the cost sits and whether a change is worthwhile.
