For online processing, 3% is by no means above market. For example, the default price on Stripe (and many others) is 2.9% plus $0.30. For a business with an av

For online processing, 3% is by no means above market. For example, the default price on Stripe (and many others) is 2.9% plus $0.30. For a business with an average order value of $30, that $0.30 adds a full percent, bringing your fees to nearly 4%. If you do high enough volume, yes, you can negotiate lower prices.