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Credit card processing costs differ depending on the risks associated with the different kinds of credit card transactions, such as "card present" transactions versus "card not present" transactions. Online sales can also be problematic depending on the category of products or services offered. Each credit card processor has risk analysis protocols that they follow according to their underwriting guidelines for high-risk transactions. These guidelines are developed from years of experience and from analyzing the data from many thousands (perhaps millions) of transactions. Below
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You may be thinking about starting a new company or be hired to oversee the startup of a new division. Perhaps you are tasked to upgrade your credit card processing system. You go online to learn more about the state-of-the-art solutions and immediately get overwhelmed. Your success in business and/or your job depends on understanding enough information in order to feel confident that you are able to make a competent decision about the credit card processing technology.