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Building & Construction Supply
Electronics & Appliance Business
Flooring, Tile & Stone Supply
Garden Centers & Landscape Supply
Gift Shops for Museum, Visitor Center, Zoo
Hardware & Home Improvement
Liquor, Wine, Beer & Spirits
Multi-Location, Retail & Franchise
Plumbing & Irrigation Supply
Restaurants & Food Service
Tobacco, Vape, Smoke Shop & Cigar Lounge
Truck Accessories, Auto Parts & Car Audio
Wholesale, Retail, Cash & Carry
All Industries
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Integrated Payments Designed to Lower Your Costs
Running a business takes hard work, long hours, and careful budgeting. Every payment you accept impacts your bottom line. That is why we believe you deserve complete clarity around payment processing costs. When guests pay for their orders, we are upfront about how those fees are applied and what they support.
With POS Highway, transparency is built in, so you can focus on delivering great service while we handle payments simply, securely, and honestly.
Transparent and Predictable Fees
Unlike some POS providers that build processing fees into complex contracts or negotiate bespoke rates that vary widely, POS Highway offers transparent processing with no hidden surprises. This makes it easier to forecast your monthly costs and keep your true operating expenses under control.
- Clear fees on every transaction
- No long-term surprises buried in your contract
- Payments flow directly through your POS
For many restaurant and retail businesses, payment processing is one of the largest variable costs. We keep those fees simple and upfront so you can focus on optimizing margins and growing your business.
Understanding Payment Processing Fees
Every time a customer completes a payment, the transaction is securely processed through the POS system . A processing fee is applied to cover card network, interchange, and payment services. Below, you’ll find a clear breakdown showing how interchange and network costs are combined with the processing fees.
Payment processing fees are the costs charged to securely authorize, route, and settle card and digital payments when a customer pays by credit card, debit card, or contactless wallet.
What’s included in payment processing fees? – These fees typically combine several components:
- Interchange fees: Paid to the customer’s card-issuing bank. Rates vary based on card type (credit/debit, rewards), transaction method (chip, tap, online) & risk level.
- Card network fees: Charged by card brands like Visa, Mastercard, American Express, and Discover for moving transactions through their networks.
- Processor / gateway fees: Paid to the payment processor for authorization, security, PCI compliance, reporting & settlement; often a small percentage plus a per-transaction fee.
* This example is for illustration purposes only. Actual payment processing fees may vary based on factors such as monthly credit card sales volume, average ticket size, and total transaction count.
Payment Types
One key factor that affects payment processing fees is how a transaction is accepted, whether it is a card-present or card-not-present payment.
Card-present (CP) transactions:
A card-present (CP) transaction occurs when a customer pays in person and their card or mobile wallet is physically present at the time of sale. These transactions are typically processed using secure, in-store payment devices connected to the POS system.
Common card-present payment types include:
- Contactless tap (NFC / mobile wallets)
- EMV chip (dip)
- Magnetic stripe swipe
Card-Not-Present (CNP) Transactions:
A card-not-present (CNP) transaction occurs when the customer and their card are not physically present, and payment details are entered electronically. These transactions are commonly associated with remote or digital ordering.
Common card-not-present payment types include:
- iTab Online Ordering
- Third-party delivery integrations
- Phone orders (manually entered)
- Online invoices and remote payments
Want to learn more? Here’s how it all works!
Your total payment processing cost is primarily made up of interchange fees and network fees. These fees are set and controlled by the card networks and banks.
Interchange Fees
Interchange fees account for the largest portion of payment processing costs. These fees are set by card networks and paid to the bank that issued the customer’s card for each transaction. Interchange fees typically consist of a percentage of the transaction amount plus a fixed per-transaction fee. For American Express transactions, these charges are referred to as discount fees rather than interchange fees.
Network Fees
Network fees are set by card networks and are paid to the card network. These fees differ depending on several factors, similar to the variances seen with interchange fees. Network fees are sometimes named “assessments” or “association fees.”
Issuing Bank
Issuing banks, also known as issuers, are financial institutions that provide payment cards and credit accounts to businesses and consumers. These cards are branded by major card networks, such as Visa or Mastercard. Examples of issuing banks include JPMorgan Chase and Bank of America.
Card Network
Card networks provide the infrastructure that connects banks and enables payment transactions to be processed. They are sometimes referred to as card brands or card associations. Visa and Mastercard operate solely as card networks, while American Express and Discover function as both card networks and card issuers, as they issue cards directly to customers.
Payment Processor Handling
The payment processor securely manages the transaction flow, encryption, fraud checks, and communication between systems. It ensures the payment is processed correctly and recorded in your POS.
Merchant Bank
Merchant banks, also known as acquiring banks, are financial institutions that enable merchants—such as restaurants—to accept card payments and manage the flow of funds from those transactions.
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