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hey everyone Hilary here from thrive today were gonna talk about the hidden fees of payment processing consumers out there like to pay with credit card I know I do but finding the right payment processor for your business can feel overwhelming were here to help today were going to talk about rates and hidden fees and all the things you need to know to find the right payment processor for you the largest expense that youll pay before any markups or fees is the overall transaction rate this is the rate that youll see most companies advertised the standard two point nine percent or less another thing to be mindful of when looking at different companies is the type of transaction and if that changes the rate that theyre gonna charge so you know how sometimes they give you a credit card number over the phone there are some companies that actually charge a higher rate to process that transaction than if the card is present some processors out there actually charging monthly account fe