Many businesses sign contracts expecting to pay a simple “1.0% + EUR 0.10” per transaction. But when settlement statements arrive, the deducted amount is often much higher.
At FeeFox, our job is to expose those hidden layers.
1. Scheme fees (Visa and Mastercard)
Banks do not always present scheme fees clearly. Each one may be small, but at scale they can materially increase your effective rate.
FeeFox checks: whether these costs are passed through transparently or buried inside opaque fixed margins.
2. Minimum monthly fees
Some acquirers apply monthly minimums. If volume drops in a slower month, your effective percentage can jump sharply.
3. Authorization and failed-payment fees
Certain providers charge for declined attempts as well. If your checkout or risk setup causes many declines, this can inflate cost unnecessarily.
4. FX fees
If you accept non-euro cards, conversion spreads can be substantial. Many merchants notice this only after reconciliation.
How FeeFox solves it
We work from your real statements and reverse-engineer the effective rate you actually pay. Only then can we benchmark credible alternatives.
Do not let margin leak through hidden fees. Request your analysis today.