If you’re a business owner accepting payments, here’s a question: When was the last time you looked closely at your merchant services bill? At Coast 2 Coast Payroll & Payments, we’ve found that many owners don’t even receive a monthly breakdown—opening the door for hidden fees, confusing contracts, and unnecessary costs.

Why so many don’t see their bill

• Sometimes, the merchant services provider buries fees in generic statements with little explanation of what each charge is for.  

• Business owners are focused on running their operations, not decoding “batch fees,” “PCI compliance charges,” “statement fees” or “program fees.” These add up quickly. 

• The monthly bill may arrive late, be difficult to understand, or simply go unread. Without proactive review, fees remain unchallenged.

Common frustrations with processing fees

Here are typical fee-pain points we hear from clients:

• Tiered pricing models: Some processors use tiered models that obscure the true cost per transaction—businesses end up paying more than they think.  

• Hidden “program” or “statement” fees: These are charges that aren’t related to interchange but are layered on top.  

• PCI non-validation/compliance fees: If your processor designates you as non-compliant, you might get charged each month.  

• Lease or rental fees for terminals: Sometimes you’re paying for equipment you didn’t know you were leasing. 

• Poor transparency: A lack of clear reporting from the processor can leave you guessing what you’re paying for and why.  

How we do it differently

At Coast 2 Coast, our philosophy is full transparency. Here’s how we deliver:

• Monthly statements with clear line-item breakdowns of processing fees, interchange rates, equipment charges, and any miscellaneous fees.

• We act as your largest broker on the Emerald Coast—offering access to 35+ POS systems and processing providers so we can tailor the best fit for your business.

• No hidden program fees, no terminal-lease surprises, and full disclosure up front.

• We partner with you to review your last 12 months of statements, identify hidden cost-leakage, and propose a plan to reduce fees.

• Since we understand the local tourist/seasonal business market (especially on the Gulf coast), we know how charge volumes fluctuate and we design flexible processing solutions accordingly.

Why this matters for you

Every dollar you lose to unnecessary fees is a dollar you could invest in growth—marketing, staffing, equipment. Reviewing your merchant services bill isn’t optional—it’s part of being a savvy business owner. If you haven’t looked recently, you may be paying more than you need to. Check out our 35+ POS solutions.

Get Local Support!

Let’s schedule a free 15-minute processing review. Send us your latest statement, we’ll walk you through confusing line-items, highlight hidden fee risks, and offer our transparent alternative plan. BOOK YOUR CALL HERE