How can I help lower my rates and fees

The credit card rate can be higher than our base processing rate of 1.25% because we use an IC+ structure, which is our rate of 1.25% plus the interchange rate of the card used to process. Interchange rates can vary widely depending on the card type and card holder your client uses and are updated twice a year. For example, American Express (AmEx) has notoriously high interchange rates, so in your Mosaic setting, we give you the option to not accept Amex. To also help you recoup some of the interchange fees and lower your overall processing rate, we allow automatic surcharging* up to 3% you can enable: Enabling Payment Surcharges

*surcharging not available to organizations based in CT,MA, ME,  OK, and up to 2% in CO