Credit card processing by industry
Same product underneath: a statement-based savings analysis and wholesale-style rates. These pages focus on the volume patterns and fee pressure that show up in each vertical.
- Lower credit card processing fees for optometry practices
Frames, exams, and contact lens orders add up to high daily card volume. Most optometry practices signed their processing agreement years ago and have never compared it to wholesale rates. A small reduction in your effective rate shows up on the P and L immediately.
Typical volume $40,000 to $120,000 per month. Estimated savings range $2,400 to $8,400 per year.
- Lower credit card processing fees for dental practices
Between insurance copays, elective procedures, and cosmetic work, dental practices process a mix of card types every day. Most dentists are on whatever rate their practice management software bundled. A wholesale comparison often reveals 20 to 40 basis points of unnecessary markup.
Typical volume $30,000 to $100,000 per month. Estimated savings range $1,800 to $7,200 per year.
- Lower credit card processing fees for veterinary clinics
Pet spending is growing year over year and almost all of it goes through a card. Emergency visits, surgeries, wellness plans, and pharmacy sales create high daily volume. Most vet clinics are on Square, Clover, or whatever their practice management system bundled, paying retail rates without knowing it.
Typical volume $40,000 to $150,000 per month. Estimated savings range $2,400 to $10,800 per year.
- Lower credit card processing fees for med spas
Botox, fillers, laser treatments, and body contouring are high-ticket services paid almost entirely by card. Med spas have some of the highest per-transaction amounts in retail healthcare. Most are on whatever their booking platform bundled, paying retail processing rates on every appointment.
Typical volume $50,000 to $200,000 per month. Estimated savings range $3,000 to $14,400 per year.
- Lower credit card processing fees for auto repair shops
Repair orders, parts sales, and insurance work create a steady flow of high-ticket card payments. Most auto shops signed up for a basic terminal years ago and have never seen what wholesale processing looks like. On tickets averaging $500 to $3,000, even a small rate reduction adds up fast.
Typical volume $40,000 to $150,000 per month. Estimated savings range $2,400 to $10,800 per year.
- Lower credit card processing fees for physical therapy clinics
High visit frequency means high transaction count even on smaller tickets. Copays, self-pay visits, and wellness programs all run through a card. Independent PT clinics are often on generic processing bundled with their EMR, paying well above wholesale without realizing it.
Typical volume $20,000 to $80,000 per month. Estimated savings range $1,200 to $5,760 per year.
- Lower credit card processing fees for restaurants
Every table, every takeout order, every delivery runs through a card. Restaurants process more card transactions per day than almost any other small business category. Most are locked into whatever their POS vendor bundled, paying retail rates on razor-thin margins.
Typical volume $30,000 to $200,000 per month. Estimated savings range $1,800 to $14,400 per year.
- Lower credit card processing fees for landscaping companies
Seasonal installs, hardscape projects, and recurring maintenance contracts create a mix of high-ticket and recurring card payments. Most landscaping companies are on Square or a basic mobile reader, paying retail rates that grow more expensive as the business scales.
Typical volume $30,000 to $120,000 per month. Estimated savings range $1,800 to $8,640 per year.
- Lower credit card processing fees for property management
Rent payments, maintenance charges, and tenant fees increasingly run through card and ACH. Property management companies processing card payments across dozens or hundreds of units accumulate significant volume. Most are on whatever their property management software bundled.
Typical volume $30,000 to $200,000 per month. Estimated savings range $1,800 to $14,400 per year.
- Lower credit card processing fees for insurance agencies
Premium payments, policy fees, and service charges paid by card add up across producers and the front desk. Many agencies inherited processing from a bank or AMS bundle and have not looked at effective rate in years.
Typical volume $30,000 to $150,000 per month. Estimated savings range $1,800 to $10,800 per year.
- Lower credit card processing fees for chiropractic clinics
High visit frequency, care plans, and growing cash-pay or membership models push a lot of volume through cards. Independent clinics are often on the processor that came with the EHR or a flat-rate reader.
Typical volume $25,000 to $100,000 per month. Estimated savings range $1,500 to $7,200 per year.
- Lower credit card processing fees for law firms
Retainers, flat fees, and invoice payments increasingly settle on cards. Law firms are sensitive to trust-account rules and client experience, so many stay on whatever bank or practice platform they started with.
Typical volume $30,000 to $200,000 per month. Estimated savings range $1,800 to $14,400 per year.
- Lower credit card processing fees for HVAC companies
Installs, replacements, and service agreements create high-ticket card volume with sharp seasonal spikes. Many HVAC companies are still on the flat-rate reader or field-service bundle they used when the company was smaller.
Typical volume $40,000 to $200,000 per month. Estimated savings range $2,400 to $14,400 per year.
Also see surgical centers, pain clinics, and contractors.