Why are there different fees on a statement? Payment processing involves multiple parties — the card networks (Visa, Mastercard, etc.), the acquiring bank, fraud-prevention services and compliance providers. Some fees are required by these networks and security standards and are simply passed through. NextPay Business Solutions' goal is full transparency, so you always know what you're paying and why.
Heads up — these fees vary by processor. Not every fee below shows up on every statement. The list here is most common on traditional merchant accounts (the kind you board through Solutions in Payments). Flat-rate processors bundle most of them into one simple rate — Square, for example, has no PCI compliance fee, no monthly service fee, no annual fee and no monthly minimum.
You can waive fees on Solutions in Payments. Most of these fees can be turned off for the merchant — when you waive a fee, it simply comes out of your residual instead of being charged to them. That makes "we'll waive that for you" an honest, powerful closing tool.
Which fees apply — by processor
Square
Simple flat-rate pricing — fees are bundled into the per-transaction rate. No PCI fee, monthly service fee, annual fee, monthly minimum, statement or batch fees.
Shift4 Dine
Flat-rate POS pricing — most à-la-carte statement fees don't apply; costs are bundled. Confirm specifics on the Shift4 page.
Solutions in Payments
Traditional merchant account — the full fee menu can apply, but you can waive specific fees (they come out of your residual instead).
Common fee questions
PCI compliance
Fees you can waive (optional)
These are commonly waived to help win a deal — but in most circumstances it's optional and your call. Remember a waived fee is absorbed into your residual, so decide deal by deal.
Why transparent pricing matters
Many providers bundle high software + processing with hidden platform fees, and traditional processors use tiered pricing that makes real costs hard to understand. Transparent interchange-plus pricing separates the real costs so a merchant can clearly see:
- Card network fees
- Bank interchange costs
- Processor markup
This often results in lower overall cost and far more clarity.
Questions merchants should ask their processor
- Are my rates interchange-plus or tiered? (Tiered pricing often hides markup.)
- What are my total monthly software fees? (Many POS companies charge $200–$800+ per month.)
- Can I see the processor markup separately from interchange?
- Are there equipment leases or long-term contracts?
- Who do I call for support — a local rep or a call center?
The biggest cost merchants often miss
Most merchants focus on processing rates, but the real cost usually comes from POS software subscriptions, platform fees, reporting fees, integration fees and support charges — which can easily add $500–$1,200+ per month in unnecessary cost.
Our approach
Transparent pricing
No hidden bundled rates.
Local support
You have a direct contact for help.
Cost optimization
Reduce processing costs and unnecessary software fees.
A quick statement review can help
Many merchants are surprised to learn they can reduce their total payment costs by 15–30% just by reviewing their current setup. A quick, no-pressure review shows exactly how their current fees compare.