How to Lower Credit Card Processing Costs Without Switching Software
A practical guide to lowering credit card processing fees without changing software. Learn how bundled payments add cost and how to calculate your real rate.
You’ve invested time in choosing business software, training your staff, and getting your daily operations running smoothly. But being happy with your software doesn’t necessarily mean you’re happy with its payment processing costs.
Coastal Payment Systems shows businesses using supported software a different payment processing arrangement while keeping the platform they already use.
Based in Pass Christian, Mississippi, CPS helps business owners across the Gulf Coast and nationwide review compatibility, compare costs, and understand their options before making a change.
Like Your Software? Start by Reviewing Your Payments.
Your software may handle scheduling, repair orders, invoices, customer records, or other essential tasks. Replacing it just to address card processing fees can feel like taking on another project.
Before considering a software change, ask a simpler question:
Can I keep this system and use another payment processor?
With ShopConnect Pro, that may be possible on supported platforms. CPS starts by checking your software and explaining the payment features available for your particular setup.
Bundled software payments | ShopConnect Pro | |
Who picks the processor | Your software does | You do |
Typical all-in cost | 2.9%-3.6% | 2.2%-2.5% or 0 |
What changes in your software | Nothing | Nothing |
What it costs to start | Included by default | Free Chrome extension |
Understand What You’re Actually Paying
An advertised processing rate doesn’t always show the full cost of accepting cards.
Your monthly expense may include percentage-based charges, transaction fees, gateway fees, and other account charges. To establish a starting point, divide your total processing fees by your card sales volume for the same period, then multiply by 100.
For example:
Monthly card sales | Total processing fees | Effective processing rate |
$50,000 | $1,500 | 3.00% |
This calculation gives you a useful overview. It doesn’t explain every charge, but it helps you look beyond the headline rate.
CPS reviews the details with you, including which charges could change under a proposed arrangement and which costs would remain.
How ShopConnect Pro Fits Into Your Business
ShopConnect Pro is a Chrome extension that connects supported business software to another payment processing option. You can evaluate that connection while continuing to use your existing business management platform.
Available features depend on your software. On platforms with automatic payment write-back, completed payments can post back to an invoice or repair order. Other supported platforms may require an additional step to update payment records.
CPS confirms those details before setup so you understand how the process will work for your team.
Options for Auto Repair, Field Service, and Other Businesses
ShopConnect Pro supports platforms across several industries. Examples include:
Auto repair: Tekmetric, AutoLeap, Shop Boss, Mitchell 1 Manager SE, Tire Guru, and MaddenCo.
Field service: Jobber, Housecall Pro, ServiceTitan, and GorillaDesk.
Accounting: QuickBooks Online.
Legal services: MyCase and Clio.
Pet care and veterinary: DaySmart Pet, ezyVet, and Gingr.
Wellness and fitness: Vagaro, Daxko, and other supported platforms.
Compatibility does not mean every platform offers the same payment features. CPS will review your software version, configuration, and payment needs before recommending a setup.
Compare Total Costs Before Switching
A lower processing rate is useful only if the complete arrangement makes sense for your business.
Your comparison should include:
Current processing and account fees.
Proposed processing and transaction fees.
Monthly integration and gateway charges.
Any equipment or setup expenses.
Any existing obligations that could affect switching.
For illustration, if a proposed arrangement to lower credit card processing costs by $300 per month but adds a $65 monthly integration fee, the remaining savings would be $235 per month, assuming all other costs stay the same.
That’s why CPS includes integration costs in the review. You should be able to see the potential net savings before deciding.
Lower Credit Card Processing Cost Approach That Fits Your Customers
Through the Dejavoo iPOS Gateway, ShopConnect Pro supports traditional pricing, dual pricing, and surcharge options.
CPS helps you review the available choices for your business, including how pricing would be presented to customers and the requirements that apply to your setup.
The right choice depends on your operation, customers, and goals.
Work With a Local Payment Partner
When you contact Coastal Payment Systems, you have a direct contact to help you work through the questions:
Will this work with my software? How will my staff take payments? Will payments post automatically? What will the complete setup cost?
We’ll help you answer those questions and compare the numbers. If your current arrangement is already competitive, that’s useful information too.
Find Out Whether Your Business Could Save
Start with the name of your software and a recent processing statement.
Coastal Payment Systems will review compatibility, available features, and total costs to help you decide whether ShopConnect Pro is worth considering.
Call or text 228-203-3315.
Coastal Payment Systems — based in Pass Christian, serving the Gulf Coast and businesses nationwide.
Savings depend on your current arrangement and proposed setup. Features vary by platform. ShopConnect Pro is an independent product; third-party software names belong to their respective owners and do not imply endorsement or an official partnership.
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