--- title: How much does it cost to accept credit card payments? description: Learn how much it costs to accept credit card payments for a small business, what affects pricing, and how to choose the most cost‑effective option. --- X [Skip to content](https://support.sekuremerchants.com/how-much-does-it-cost-to-accept-credit-card-payments#main-content) - [English](https://support.sekuremerchants.com/how-much-does-it-cost-to-accept-credit-card-payments) - [Español](https://support.sekuremerchants.com/es/how-much-does-it-cost-to-accept-credit-card-payments) English Show submenu for translations ![sekure-logo-gif-b-m.gif\]](https://support.sekuremerchants.com/hs-fs/hubfs/Logos/sekure-logo-gif-b-m.gif?width=120&height=52&name=sekure-logo-gif-b-m.gif) - [Support Hub](https://support.sekuremerchants.com/) Open main navigation Close main navigation - [Support Hub](https://support.sekuremerchants.com/) - - [English](https://support.sekuremerchants.com/how-much-does-it-cost-to-accept-credit-card-payments) - [Español](https://support.sekuremerchants.com/es/how-much-does-it-cost-to-accept-credit-card-payments) English Show submenu for translations - [Contact us](https://sekuremerchants.com/contact-us/) [Contact us](https://sekuremerchants.com/contact-us/) Hello. How can we help you? - There are no suggestions because the search field is empty. 1. [Support Hub](https://support.sekuremerchants.com/?hsLang=en) 2. [Rates & fees](https://support.sekuremerchants.com/rates-fees?hsLang=en) 3. [Pricing](https://support.sekuremerchants.com/rates-fees?hsLang=en#pricing) # How much does it cost to accept credit card payments? The cost to accept credit card payments depends on several factors specific to your business. There’s no one‑size‑fits‑all price, because what you pay is influenced by many factors like how much and how often you take credit card payments. ### Factors that affect your cost Your pricing can vary based on: - Your business type and size - How much you process each month - The types of payments you accept (online, debit, credit, cash, etc.) - How transactions are processed (inserting the card, tapping, or manually keying it in) - Which pricing model you choose ### Common pricing models Depending on your needs, a payment provider may recommend one of several pricing options, such as: - [Flat rate](https://sekuremerchants.com/rates/simplified-flat-rate-pricing) - [Interchange‑plus](https://sekuremerchants.com/rates/interchange-plus) - [Dual pricing](https://sekuremerchants.com/rates/edge) - Other [customized pricing](https://sekuremerchants.com/rates/custom-pricing) models Each model has different advantages depending on your transaction volume and payment methods. ### What is the cheapest way to accept card payments for small businesses? As a general rule of thumb, if you’re a small business that accepts card payments infrequently, especially for card‑present transactions, dual pricing may be worth considering. With this model, your transaction fees can be $0, since the processing fee is passed on to the customer at the point of sale. However, because every business is different, the best way to determine the most cost‑effective way to accept credit cards is to speak with a Payment Expert. They can review your business needs and help you choose the pricing model that minimizes your costs. 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