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.
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