1) BE EDUCATED

Schedule some time to dig around and find out more about credit card processing and figure out if you are comfortable with the rate that you are comfortable with the rate that you are paying and why you are paying that  amount.To help with your information search you can check out the Master Card  or Visa website. 

2) ALWAYS ASK QUESTIONS

Take a look at your bank statements and ask questions about what you are seeing that  you don't fully comprehend.Be sure to have them thoroughly explain everything to you-- maximize your knowledge as much as you can. You can also  eliminate a few monthly  charges by going paperless! 

3) GET YOUR RATES REVIEWED

Be sure to call the  companies Customer Care center and tell them you want a full Rate Review. While you have them on the phone, verify all that the rep told you and make sure you keep good notes for your conversation."

4) SHOP YOUR RATES

Compare, compare! Just because you've gotten one quote on a rate doesn't mean you should stop there. Think of it as buying a brand new car or finding insurance. You want the best for the lowest price-- get the companies to compete against one another.

5) GET MORE PIN-BASED TRANSACTIONS

"This can add up to immediate savings for you, if you already have a pin pad. The majority of customers, when given the choice, will simply chose credit because it's less hassle to sign than it is to remember and key in that massive four digit pin number that takes all but a nano second to do. But to you, the merchant, the cost difference can add up quickly".  

Saum, Michael. 5 Tips For Saving Money on Credit Card Processing. http://www.sjwickcpa.com/wp-content/uploads/5-tips-for-saving-money-on-credit-card-processing.pdf . Web. 06/25/15