Stay completely away from banks in general when picking a merchant services company. Stripe sits on your money for 5 business days and charges 2.75% and $.25 per transaction .. Here' s the trick: Figure out what your average ticket is. Divide the per item fee by your average ticket size. $.25/$10= $.025 ,, add this to your per item percentage and you will derive what you will be paying. Learn what Interchange means and go into the appointment with negotiating power:) Interchange=True Cost.. Hope This Helps!