: Banks may hold 5%–10% of your revenue for 90–180 days to cover potential chargebacks.
Businesses in certain industries (luxury goods, travel, or high-volume e-commerce) are often flagged as high-risk . This designation significantly impacts costs: : Processing fees can jump to 3.5%–5.5% . merchant account cost
: A fixed percentage for every transaction, often around 1.7% to 3.5% plus a small per-transaction fee (e.g., $0.25). : Banks may hold 5%–10% of your revenue
: Paid directly to the card brands for managing their networks. merchant account cost