B
Evidence Grade B
Graded
accuracy verified by the review judge
Safe to Cite
Recent
3%
3% -- credit card processing fee rate for US small businesses (2025)
On average, businesses pay approximately 3% per credit card transaction in processing fees.
- Varies depending on card type, risk assessment/fraud protection, and payment processor pricing structure
Attribution:
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Lighthouse Research Team
Last verified:
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Source verified
Evidence graded
Value
3%
Unit
Percentage
Data Vintage
2025
Entity
Evidence Quality
B
Strong, reliable evidence
Sourced from a well-regarded research firm or industry leader with transparent methodology and a reasonably large sample.
Single source - not yet corroborated
Score breakdown
Extraction
75
Source Trust
60
Citation Chain
20
Independence
30
Methodology
35
Freshness
95
Source
Project 2 Payment
Primary
Tier B
https://project2payment.com/2025/03/the-cost-to-accept-credit-card-payments/ ↗
Source Article
The Cost to Accept Credit Card Payments - Project 2 Payment
For many small business owners, one of the biggest concerns is the cost to accept credit card payments. With so much information out there—some of it overwhelming or even misleading—it’s crucial to get the facts straight.
This guide will break down:
- Credit card transaction and processing fees
- Th…
Original Research
Project 2 Payment
· Original study ↗
Methodology
Aggregate estimate cited in industry guide
Methodology documented
Segmentation
Industrymarketing
Cite this stat
Plain Text
US small businesses: 3% credit card processing fee rate. Source: Project 2 Payment (2025). Via Lighthouse Intelligence -- https://lighthousedata.io/data/avg-credit-card-processing-fee-3pct-2025
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<blockquote cite="https://lighthousedata.io/data/avg-credit-card-processing-fee-3pct-2025" style="border-left:3px solid #2563eb;padding:12px 16px;margin:16px 0;font-family:system-ui,sans-serif;background:#f0f4ff;"><strong>3%</strong> -- credit card processing fee rate for US small businesses<br><small>Source: Project 2 Payment (2025) · <a href="https://lighthousedata.io/data/avg-credit-card-processing-fee-3pct-2025" target="_blank" rel="noopener">Lighthouse Intelligence</a></small></blockquote>
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