10/25/2026
Most of the big processors raised rates this year. I pulled the receipts.
Every documented rate, fee, and software increase from Toast, Shift4, Global Payments, Heartland, and Fiserv over the last 12 months — with dates and sources. Global was the worst: base rate up as much as 2.25% (that's $6,750 a year on $25k a month) plus over $1,000 a year in new annual fees.
Full breakdown: https://www.thecreditcardguy.com/blog/processor-rate-increases-2026
And if you want to know what YOU'RE paying — send me your statement. Free 10-minute line-by-line audit. Stop overpaying.