As we welcome 2025, businesses are preparing for a year of economic opportunities. However, as economic opportunities rise, so do financial challenges. According to recent reports, the Federal Reserve's latest interest rate adjustments could further impact credit card transaction costs for merchants. These rising expenses make it more critical than ever for businesses to find cost-effective solutions to manage payment processing fees.

Credit card processing fees can cost you up to 3.5% of the transaction. These fees are composed of:

-Interchange Fees: Paid to the issuing bank for processing the transaction.
-Assessment Fees: Paid to the card network (Visa, Mastercard, etc.).
-Processor Markups: Additional charges from the payment processor for managing transactions.

In recent years, businesses have faced rising costs due to increased fraud prevention measures, shifting consumer behaviors toward credit card usage, and ongoing economic fluctuations.

What Does This Mean for Your Business in 2025?

With the potential for higher processing costs on the horizon, absorbing these fees could significantly impact your profit margins. This issue is especially pressing for businesses operating in competitive markets where every dollar counts. Many business owners are looking for ways to offset or reduce these fees without compromising customer experience.

The Solution: Innovative Payment Processing from UTA

We understand the challenges businesses face with expensive credit card processing fees. That’s why we’ve developed payment solutions designed to help merchants process credit cards more efficiently and cost-effectively. Best of all, our credit card surcharging solution eliminates the cost of accepting credit card payments by passing a surcharge fee directly to your customers. Our cutting-edge tools streamline transactions, reduce processing costs, and enhance your overall payment acceptance experience.

Start 2025 with a smarter approach to managing your payment transactions

Click Here to take advantage of UTA’s complimentary savings analysis and schedule a product demo!