The actual cost for credit/debit card processing is interchange itself, which averages to ~1% for grocers & about 2% for everyone else if your doing north of $2

The actual cost for credit/debit card processing is interchange itself, which averages to ~1% for grocers & about 2% for everyone else if your doing north of $200k a year in volume. High risk industries like cruises, concerts & similar will pay close to 5% (or more), as when the event doesn't pan out, all that cash will need to be refunded.