Credit Card Processing Fee Study Finds 59% of Businesses Absorb the Cost

IRVINE, CA - October 2025 - A new survey by EBizCharge reveals that a majority of U.S. businesses are absorbing the cost of credit card processing fees rather than passing them to customers. According to the findings, 59% of companies choose to cover these costs internally, while only 41% implement surcharges to offset expenses. The study surveyed 650 business owners and financial decision-makers across multiple industries, highlighting how rising payment processing costs continue to impact profitability and pricing strategies.

Key Takeaways:
- 59% of businesses absorb credit card processing fees rather than passing them to customers
- Only 41% of companies add surcharges or convenience fees - Businesses spend an average of 3.65% of total revenue on payment processing
- 31.54% of businesses lose 5% or more of their revenue to processing fees
- 62% of companies that do surcharge see customers switch to lower-cost payment methods
- 55% of payment decision-makers personally avoid credit cards when surcharges apply"

Many business owners already understand how processing fees add up. What starts as a small percentage on each transaction can turn into thousands of dollars in lost revenue every year. For most companies, absorbing these fees feels easier than passing them to customers - a way to avoid friction at checkout and maintain loyalty.

That decision, while understandable, comes at a real cost. Every dollar spent on processing fees is one less dollar that can go toward growth, payroll, or reinvestment. The survey shows that while many business owners recognize this, few have found a clear strategy to manage it.

"This is something we hear from business owners all the time - it's hard to balance customer expectations with rising costs," said Branden Korf, of EBizCharge.

Among companies that do surcharge, 62% said customers shifted to lower-cost payment methods like debit https://ebizcharge.com/blog/debit-card-surcharging-is-it-legal/ or ACH - a sign that transparency can influence payment behavior in positive ways.

The full survey and analysis are available at
https://ebizcharge.com/blog/the-true-cost-of-processing-fees-what-650-decision-makers-revealed/
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Company Name:
EBizCharge

Full Postal Address:
20 Pacifica #14
Irvine, CA 92618
United States

Contact Information:
Phone: +1 (949) 996 5032
Email: branden.k@gmail.com

Website: www.ebizcharge.com

Press Contact:
Branden K.
Public Relations
Email: branden.k@ebizcharge.com

https://ebizcharge.com/ EBizCharge is a payment processing platform built to help businesses accept payments faster, more securely, and with less effort. The solution works directly inside more than 100 business systems, including accounting, ERP, and eCommerce platforms, to simplify how companies handle transactions and manage cash flow.

The EBizCharge payment gateway streamlines payment workflows by reducing manual entry, minimizing errors, and automating accounts receivable tasks. It supports credit card, debit card, and ACH/eCheck payments, along with advanced features for subscription billing, automated invoicing, and payment reminders - all designed to save time and improve accuracy.

From small businesses to large B2B enterprises, companies use EBizCharge to connect payment processing directly into the tools they already rely on, such as NetSuite, Sage, Microsoft Dynamics, and major online shopping carts. Its secure gateway and flexible API options make it easy to integrate payments without disrupting existing systems.

By focusing on transparency, security, and efficiency, EBizCharge helps businesses lower processing costs, speed up collections, and give customers a smoother way to pay - whether online, in person, or on the go.

This release was published on openPR.