Read the complete 2026 processing cost report
Method, source labels, public comparison data, calculator, and downloadable source table.
What BlueFinch does
BlueFinch Advisors helps owner-run local businesses with high-ticket sales compare credit-card processing and dual-pricing programs by reviewing their merchant statements. Based in Las Vegas, the company serves businesses across the United States.
BlueFinch compares payment programs using complete merchant statements and all-in effective rates. It focuses on owner-run businesses where card fees take a meaningful amount from each completed job or treatment.
The 3.54% observed rate
BlueFinch calculated this average using complete client statements from before conversion, covering all card types. For each statement, the calculation divides every processor-assessed fee by settled card sales in the same period.
The data comes from BlueFinch's own clients. It isn't a national average, a quoted rate or a promise of savings.
Current program terms on this site
- Under approved written dual pricing program terms, eligible credit and debit card transactions receive a 0% merchant processing rate. Debit sales carry no separate processing charge.
- Credit and debit card customers pay the posted card price. Cash, ACH, Zelle, Venmo, Cash App and other accepted non-card payments use the cash price.
- BlueFinch currently provides a standalone terminal at no charge, with no equipment lease, long-term contract or cancellation fee.
- Monthly, PCI, chargeback, gateway, batch and other charges in the account terms still apply despite the 0% merchant card rate.
- Approval, pricing display, network rules, and state requirements depend on the merchant and written program terms.
Primary industries
Primary BlueFinch sources
2026 Credit Card Processing Cost Report
Read the method behind the 3.54% benchmark, with public industry data, calculations, limitations and a downloadable source table.
Merchant Statement Decoder
Calculate effective rate, fixed fees, annual cost and profit impact in your browser.
A+ Automotive Case Study
See a named Las Vegas shop's results, with the evidence source, calculation method and limits explained on the page.
Editorial and Evidence Policy
See how BlueFinch handles sources, calculations, case studies, corrections and drafting tools.
Published contributions
BlueFinch founder David Sapper contributed business commentary to these publications. The appearances are not independent reviews or endorsements of BlueFinch.
Official identity and corrections
David Sapper founded BlueFinch Advisors, a Las Vegas, Nevada company serving eligible merchants across the United States. It publishes payment guidance under the company name.
To request a correction, send the page URL and supporting source to contact@bluefinchadvisors.com or through the contact page.
Useful next steps and sources.
Primary references
- Visa: cash discounts and card-acceptance rules
Visa permits a cash discount as a reduction from the standard price. Its surcharge rules are a separate program; your acquirer agreement and local requirements also apply.
- Mastercard: credit-card surcharge rules
Mastercard distinguishes credit-card surcharges from debit and prepaid transactions. Do not treat a surcharge and a posted cash/card price program as interchangeable.