Cut Card Processing Fees 40–70%

Card processing fees quietly drain thousands of dollars from small businesses every year.
Most owners know the fees are high — few realize how much of that cost is avoidable without changing processors, losing customers, or doing anything risky.

This guide is a self-service consulting playbook that shows small businesses how to legally and calmly reduce credit card processing fees by 40–70% by changing defaults at the point of payment.

No software.
No sales calls.
No “go cash-only” nonsense.

What this guide helps you do

• Continue accepting credit and debit cards
• Introduce lower-cost payment options correctly
• Encourage customers to choose them voluntarily
• Reduce total processing fees without confrontation
• Stay on the safe side of disclosure and compliance

This works because customer payment behavior is shaped by design, not preference.

What’s inside

• A clear explanation of where card fees actually come from
• Plain-English guidance on what is legal (and what to avoid)
• A simple payment-steering system that works with existing POS setups
• Step-by-step implementation instructions
• Exact signage language and staff scripts
• A conservative savings calculator
• Printable checklists and quick-start tools

This is designed to be referenced, not read cover to cover.

Who this is for

• Small businesses paying $10,000+ per year in card fees
• Restaurants, retail, services, medical, and other card-heavy operations
• Owners who want margin relief without upsetting customers
• Operators who prefer practical systems over fintech hype

What this is not

• A payment processor
• A software tool
• A demand to stop accepting cards
• Legal advice tailored to your jurisdiction

It is a structured, low-risk system you implement yourself.

How quickly will it work?

Most businesses see measurable changes within 1–2 billing cycles once implemented consistently.

Savings compound quietly over time.

Files included

• Full PDF playbook
• Quick-start implementation sheet
• Printable signage pack
• Staff script reference page

All files are downloadable immediately after purchase as one PDF.

Refunds

If this guide isn’t useful to you, you can request a refund within 7 days. No hassle.

About the author

Prepared by Consulting Cody, focused on practical cost systems for small businesses.
This framework draws on MBA-level training in operations, pricing strategy, and behavioral design — applied directly to real merchant problems.