{"id":15760,"date":"2023-03-21T06:29:24","date_gmt":"2023-03-21T14:29:24","guid":{"rendered":"https:\/\/tc-moskovsky.ru\/?p=15760"},"modified":"2023-03-21T06:43:01","modified_gmt":"2023-03-21T14:43:01","slug":"difference-between-debit-card-vs-credit-card-fees-for-merchants","status":"publish","type":"post","link":"https:\/\/tc-moskovsky.ru\/blog\/difference-between-debit-card-vs-credit-card-fees-for-merchants\/","title":{"rendered":"Difference Between Debit Card vs Credit Card Fees for Merchants"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"15760\" class=\"elementor elementor-15760\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-334098d e-flex e-con-boxed e-con e-parent\" data-id=\"334098d\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dda4dfa elementor-widget elementor-widget-text-editor\" data-id=\"dda4dfa\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 25-04-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>Debit cards and credit cards have become the most common way for people to pay for goods and services. Roughly 85% for all transactions are through debit cards or credit cards. Therefore, i<span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); text-align: var(--text-align); font-size: 1rem;\">t is generally recommended that merchants accept both credit cards and debit cards to provide their customers with a range of payment options. Accepting both types of cards can increase customer satisfaction, improve the shopping experience, and potentially increase sales.<\/span><\/p><p><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); text-align: var(--text-align); font-size: 1rem;\">It is important to keep in mind that there are<\/span><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); text-align: var(--text-align); font-size: 1rem;\">\u00a0some key differences between accepting debit card payments and credit card payments. Here are some of the differences for merchants:<\/span><\/p><ol><li><p><b>Transaction Fees: <\/b>Debit card transactions usually have lower transaction fees than credit card transactions. Debit card transaction fees are often a flat rate per transaction, while credit card transaction fees are typically a percentage of the transaction amount.<\/p><\/li><li><p><b>Payment Processing Time: <\/b>Debit card transactions are usually processed and settled faster than credit card transactions. Debit card transactions are typically settled within a day, while credit card transactions can sometimes take several days.<\/p><\/li><li><p><b>Risk of Fraud: <\/b>Both debit and credit card transactions carry a risk of fraud, but the liability and responsibility for fraudulent charges can differ between the two. In general, credit card issuers are more likely to absorb the cost of fraudulent charges, while debit card issuers may require the merchant or the cardholder to cover the cost.<\/p><\/li><li><p><b>Chargebacks: <\/b><a href=\"https:\/\/tc-moskovsky.ru\/blog\/what-is-a-chargeback-in-payment-processing\/\">Chargebacks<\/a> occur when a customer disputes a transaction and requests a refund. Chargebacks can be more common with credit card transactions, and they can be time-consuming and costly for merchants to resolve.<\/p><\/li><\/ol><p><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); text-align: var(--text-align); font-size: 1rem;\">The fees associated with accepting debit and credit card payments can vary depending on several factors, such as the type of card, the merchant&#8217;s industry, and the transaction volume.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f4b628c elementor-widget elementor-widget-heading\" data-id=\"f4b628c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 25-04-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\">Debit card fees for merchants<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d62bfef elementor-widget elementor-widget-text-editor\" data-id=\"d62bfef\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>The fees associated with accepting debit card payments are typically lower than credit card fees. In Canada for example, <a href=\"https:\/\/tc-moskovsky.ru\/blog\/an-introduction-to-interac-and-debit-cards-in-canada\/\">Interac<\/a> fees for merchants are typically based on a flat fee per transaction, usually around $0.05 to $0.10 cents per transaction, regardless of the transaction amount. However, the exact fees can vary depending on the merchant&#8217;s industry, transaction volume, and some other factors.<\/p><p><a href=\"https:\/\/tc-moskovsky.ru\/blog\/how-visa-debit-works-in-canada\/\">Visa Debit<\/a> is another type for debit card however,\u00a0<span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); text-align: var(--text-align); font-size: 1rem;\">Visa Debit<\/span><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); text-align: var(--text-align); font-size: 1rem;\">\u00a0<\/span><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); text-align: var(--text-align); font-size: 1rem;\">fees for merchants include a percentage charge and are therefore more expensive, closer to credit card fees.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-624e810 elementor-widget elementor-widget-heading\" data-id=\"624e810\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Credit card fees for merchants<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0068159 elementor-widget elementor-widget-text-editor\" data-id=\"0068159\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Credit card fees are more complex than debit card fees and can vary depending on several factors, such as the type of card, the transaction amount, and the merchant&#8217;s industry. The majority of credit card fees to merchants are <a href=\"https:\/\/tc-moskovsky.ru\/blog\/how-interchange-rates-work-in-payments\/\">interchange fees<\/a>. Credit card fees are based on a percentage of the transaction amount, ranging from 2% to 4% or more, depending on the card type and other factors. American Express cards tend to have higher fees than Visa or Mastercard. Merchants may also be subject to additional fees, such as monthly fees or chargeback fees.<\/p>\n<p>In general, debit card fees tend to be lower than credit card fees, but the exact fees can vary depending on the merchant&#8217;s industry, transaction volume, and other factors. It&#8217;s important for merchants to compare the fees associated with different payment methods and choose the one that offers the best value for their business.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-31c607b elementor-widget elementor-widget-heading\" data-id=\"31c607b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Overall comparison of debit card and credit card fees<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0555bca elementor-widget elementor-widget-text-editor\" data-id=\"0555bca\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>For a merchant, debit cards are cheaper than credit cards. Most debit cards have a fixed transaction fee of around $0.07 that is charged to merchants. Most credit cards have a percentage fee of 2.3% plus a $0.10 transaction fee. If you&#8217;re looking to save money, try to accept as many payments as possible through debit cards. However, it is quite important to give consumers a choice. Many of them love to pay with credit cards. Lastly, as a merchant, learn some of the<a href=\"https:\/\/tc-moskovsky.ru\/blog\/how-to-reduce-credit-card-processing-fees\/\"> tactics you can take to reduce your payment processing fees<\/a>.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f3e7bef e-flex e-con-boxed e-con e-parent\" data-id=\"f3e7bef\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6fe4b7b e-con-full e-flex e-con e-parent\" data-id=\"6fe4b7b\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-48abb1a elementor-widget elementor-widget-heading\" data-id=\"48abb1a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Get the best credit card and debit card processing  today<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1443606 elementor-widget elementor-widget-text-editor\" data-id=\"1443606\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li>Lowest cost processing in the industry<\/li><li>Fund transfers in less than one day<\/li><li>A full set of payment products to accept payment anytime, anywhere<\/li><li>World-class customer service<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dc7dff0 e-con-full e-flex e-con e-parent\" data-id=\"dc7dff0\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cb3ba20 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"cb3ba20\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-lg elementor-animation-grow\" href=\"https:\/\/tc-moskovsky.ru\/get-started\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get Started<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Debit cards and credit cards have become the most common way for people to pay for goods and services. Roughly 85% for all transactions are through debit cards or credit cards. Therefore, it is generally recommended that merchants accept both credit cards and debit cards to provide their customers with a range of payment options. [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":15766,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[31],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Difference Between Debit Card vs Credit Card Fees for Merchants<\/title>\n<meta name=\"description\" content=\"A comparison between debit card fees and credit card fees for merchants in payment processing and merchant accounts.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/tc-moskovsky.ru\/blog\/difference-between-debit-card-vs-credit-card-fees-for-merchants\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" 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