Hand taps credit card against pay terminal in clothing store.

What are Credit Card Processing Fees?

5 min read
Last Updated: March 10, 2026

Key Takeaways

  1. Merchants pay processing fees to companies that enable credit card sales transactions.
  2. Credit card processing fees may vary depending on the merchant and card issuer.
  3. Retailers sometimes pass processing fees on to customers through surcharges, higher costs, or convenience fees.

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