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The greatest contributor to credit card processing costs is interchange. Interchange is the amount of a credit card transaction that a merchant's bank pays to the issuing bank of a customer's credit card. Interchange fees are set by the issuing banks that are stakeholders of Visa and MasterCard, and merchant service providers have no control over the charges.

Interchange fees are public knowledge digital payment agent salary and they are posted at Visa and MasterCard's Web sites. If you're not already familiar with interchange, visit Visa and MasterCard online and download the interchange fee schedules for each card brand.

The next expense that provider's can't control are the fees charged by the card brands. Visa, MasterCard and Discover charge various dues and assessments. All transactions are subject to dues and assessments, but some are subject to additional charges. For example, international transactions are assessed additional fees by the card brands.