It would be a lot easier for merchants to pay a monthly credit card and transaction fee like they do with major credit cards. At the end of every month we pay the processing fees for our credit cards not per transaction. The more transactions you have the more complicated it becomes. It would simplify our accounting process if done this way. The amount our POS Sales report says should be deposited in the bank never matches the amount we actually get because of the fee being subtracted right away.

Balancing the amount deposited to the bank with our actual sales requires working backwards and gets more complicated the more sales we do making us want to do less of our sales online which in turn you get to take less of. It would be a lot simpler if you just calculated how much we owe you (like major credit card companies do) and bill us at the end of the month.