6 min read
Blended Processing Fees: How They Eat Margin (and How to Model Them)
Why a single blended card rate is useful, when it breaks down, and how to plug it into your profit calculator for better forecasts.
Published: 2026-04-24
Why blending works until it does not
A blended rate is fast and good enough when card mix is stable. It breaks when international share spikes or when you add BNPL with a different fee stack.
How to stress-test
Run the calculator at median and P25 order values. Fee-heavy stacks hurt small carts disproportionately.
Connect to pricing
If processing shrinks net margin below your target band, adjust bundles, minimums, or payment mix before deeper discounting.