💳 Stop Overpaying to Get Paid: The Real Cost of Flat-Rate Payment Processing
- Bradford Barry
- Jul 17
- 2 min read
If you’re a business owner, you’ve probably heard it before: “Simple pricing! Just 2.6% + 10¢ per transaction!”
That’s the pitch from big-box processors like Square, Stripe, and Clover. But what they don’t mention is that their convenience comes with a serious cost to your bottom line.
At Barry Business Solutions, we believe you should know what you're really paying, and that there's a smarter, more transparent way to process payments.
🔍 Flat-Rate Pricing vs. Interchange-Plus: What’s the Difference?
Flat-rate pricing charges the same percentage for every transaction, regardless of whether it's a low-cost debit card or a high-rewards credit card. While simple, it means you often overpay, especially for debit transactions that should cost you far less.
Interchange-plus pricing, on the other hand, charges you:
The actual cost set by Visa, Mastercard, etc. (called interchange)
Plus a small, fixed markup
At Barry Business Solutions, we offer one of the most competitive structures available:
Interchange + 0.15% and $0.05 per transaction
It’s fair, transparent, and designed to reduce your overhead not increase it.
💸 Real-World Example: $20,000/Month in Card Sales
Let’s say your business processes $20,000 per month with about 500 transactions.
With a Flat-Rate Processor (2.6% + 10¢):
Processing Fees = $570/month
With Barry Business Solutions (Interchange + 0.15% + $0.05):
Processing Fees = $391/month
✅ That’s a monthly savings of $179
💰 Or $2,148 saved every year — just by switching!
🛠 We’re More Than Just Processing
Barry Business Solutions is your local, relationship-driven partner. We’re not a 1-800 number or a faceless tech company. We're right here in Fairport, helping Rochester-area businesses save money, stay compliant, and operate more efficiently.
Our full-service offerings include:
✅ Credit Card Processing & POS Systems
✅ Payroll & HR Solutions
✅ E-commerce & Invoicing Tools
✅ Commercial Banking through our Passport Platform
✅ Insurance Policy Reviews & Guidance yes, I maintain an active Property & Casualty Insurance License to help you audit and optimize your coverage
🤝 Why Local Matters
We’re relationship-first. We come to your business, walk you through the tools, and stay accessible long after installation.
You deserve a partner who:
Picks up the phone
Shows up when needed
Fights to keep your costs down
That’s Barry Business Solutions.
📈 Want to Know What You Could Save?
Click the link below to head over to our cost savings estimator to find out:
Whether you're processing $10,000 or $100,000 per month, we’ll do a free side-by-side comparison of your current provider vs. our pricing. No strings. Just clarity.
**Interested in passing the burden of card processing on to the customer?
Learn more about how to implement that solution compliantly by clicking the following link:
📞 Call Brad: (585) 201-8513
🌐 Visit: www.barrybusiness.com
📍 Based in Fairport | Serving Greater Rochester
🧾 Disclaimer:
Cost comparison based on publicly advertised pricing as of July 2025. Actual savings may vary based on your current provider, card mix, and transaction volume.
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