Latest / Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Credit Card Surcharges Reshape Small Business Cash Flow
Episode 25 of Cash Flow Conversations examines how credit card processing fees — typically 1.5 to 3.5 percent per transaction — silently drain working capital for small businesses. Lucas and Luna unpack the mechanics behind interchange fees, the rise of surcharging since the 2013 Visa/Mastercard settlement, and why a coffee shop earning $500,000 in card sales might lose $15,000 a year to fees alone. They explore real-world tactics: how a bakery in Portland switched to a surcharge model and saw net margins improve by 2 percentage points, how net-30 trade credit interacts with credit card…
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