---
title: Do You Know Your Rate? Most Providers Raise Them Every Year. We Don’t.
description: "Most merchants sign up with a payment provider, accept the quoted rate, and move on. Then\nmonth after month the fees come in, and the charges start to add up."
image: https://info.payoncore.com/hubfs/TITLE-2-2.png
---

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 October 8, 2025 at 1:35 PM

# Do You Know Your Rate? Most Providers Raise Them Every Year. We Don’t.

## Most merchants sign up with a payment provider, accept the quoted rate, and move on. Then month after month the fees come in, and the charges start to add up.

[OnCore Payment Technologies](https://info.payoncore.com/blog/author/oncore-payment-technologies)

Most merchants sign up with a payment provider, accept the quoted rate, and move on. Then month after month the fees come in, and the charges start to add up. What many business owners don’t realize is that those rates often don’t stay the same. Providers quietly build in annual increases, new surcharges, or “regulatory” adjustments. On paper they look small, but over the course of a year they can chip away at thousands of dollars in profit.

#### The Industry’s Worst-Kept Secret

Rate hikes have become standard practice. Large banks and online processors often rely on merchants not paying close attention to their statements. A tenth of a percent here, a “compliance fee” there—it doesn’t seem like much in the moment. But for a business doing a million dollars a year in card volume, even a half percent increase means thousands of dollars lost to fees you never agreed to.

#### The Result for Merchants

The problem isn’t just financial. It’s the erosion of trust. Merchants are tired of being surprised by fine print or hit with new charges that were never part of the original deal. When costs are unpredictable, it’s harder to plan, harder to budget, and harder to feel like your processor is truly a partner in your success.

#### OnCore’s Approach

At OnCore we made a promise to run our business differently. We don’t raise rates. We don’t sneak in arbitrary increases. Our pricing model is built on transparency and fairness because we know merchants and agents want a processor they can trust for the long term. If you sign up with OnCore, the rate you agree to is the rate you’ll keep.

#### Why It Matters to Agents and Referral Partners

For our agents and referral partners this commitment is just as important. When you recommend OnCore, you’re not sending merchants into a relationship that will sour after the first year. You’re building trust and long-term loyalty. That means stronger portfolios, better retention, and residuals that last.

Bottom line: Payment processing shouldn’t be a guessing game. If you’re not sure whether your provider has raised your rates, check your last few statements closely. If the numbers keep creeping up, it may be time to work with a partner who puts transparency first.

At OnCore, what you see is what you get. We never raise rates, and we never add hidden fees. If you’d like to explore a lower rate or have us review your current statements, connect with us today at [www.PayOnCore.com](http://www.payoncore.com)

### Contact OnCore Payments for more information.

Call 888-494-9988 or email [info@payoncore.com](mailto:info@payoncore.com)

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## [How to Accept Credit Card Payments](https://info.payoncore.com/blog/how-to-accept-credit-card-payments)

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## [Is a Merchant Services Referral Program Right for You?](https://info.payoncore.com/blog/is-a-merchant-services-referral-program-right-for-you)

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[![Close up of a person typing in credit card payment information on a tablet.](https://info.payoncore.com/hs-fs/hubfs/blog/How-to-Tell-When-a-Merchant-is-the-Right-Fit-for-Your-Payment-Solutions.jpg?height=200&name=How-to-Tell-When-a-Merchant-is-the-Right-Fit-for-Your-Payment-Solutions.jpg)](https://info.payoncore.com/blog/how-to-tell-when-a-merchant-is-the-right-fit-for-your-payment-solutions)

## [How to Tell When a Merchant is the Right Fit for Your Payment Solutions](https://info.payoncore.com/blog/how-to-tell-when-a-merchant-is-the-right-fit-for-your-payment-solutions)

[OnCore Payment Technologies](https://info.payoncore.com/blog/author/oncore-payment-technologies) 

 May 8, 2024 at 7:00 AM

Merchant service providers are invaluable financial intermediaries that process payments for...

[Read more](https://info.payoncore.com/blog/how-to-tell-when-a-merchant-is-the-right-fit-for-your-payment-solutions)

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