A flat $0.35 transaction fee hits very differently for a $5 coffee transaction. Here’s the straight math: • At $5: 0.35 ÷ 5 = 0.07 → 7% • At $20: 0.35 ÷ 20 = 0.0175 → 1.75% So the fixed fee alone eats 7% on a $5 sale and 1.75% on a $20 sale, before you even add the percentage-based processing fee on top. This is why low-ticket businesses get squeezed harder by flat per-transaction costs — they behave like a regressive tax on every swipe. View quoted note →