Merchant Account Cost May 2026

: A fixed percentage for every transaction, often around 1.7% to 3.5% plus a small per-transaction fee (e.g., $0.25).

: Banks may hold 5%–10% of your revenue for 90–180 days to cover potential chargebacks. merchant account cost

Most providers offer one of three main pricing models to businesses like Stripe or Lendio : : A fixed percentage for every transaction, often around 1

: High-risk accounts often require long-term commitments (2-3 years) rather than month-to-month flexibility. merchant account cost

Every time a customer swipes or clicks "buy," several fees are triggered simultaneously:

: Base costs for maintaining the account and accessing customer support.