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- Rate locks: Require that your provider offers a lifetime rate lock on fees. This way, your fees will remain the same every month. Service providers often tempt business owners with low initial costs, Brad Franzen said. But over time, these rates slowly creep up. Before long, business owners are paying far more than they expected.
- The four big card networks – Visa, Mastercard, Discover and American Express – make their money from assessment fees, which they charge on every transaction made by their cards.