Why Your Payment Processing Fees Keep Increasing (And What’s Really Causing It)

Introduction

Have you noticed your processing fees slowly creeping up? Many merchants assume fees are fixed, but processors increase rates over time without clear explanations.

Common Reasons for Fee Increases

  • Interchange rate adjustments (Visa/Mastercard update rates twice per year).
  • Processor markups (some providers slowly increase margins).
  • New compliance fees (PCI, security updates, etc.).