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Running a small, local business has always been about balancing quality, affordability, and community. In today’s economy, that balance is becoming harder to maintain as the cost of doing business continues to rise.
The Reality of Rising Costs
Over the past few years, businesses of all sizes have seen increases in operational expenses: equipment, software, compliance requirements, and vendor fees have all gone up. One of the fastest-growing costs is credit card processing fees. Each time a customer pays with a credit card, a meaningful percentage of that payment goes to processors and card networks. While these fees may seem small on an individual transaction, they add up quickly—especially for small businesses with tighter margins.
Large, national companies can often absorb these costs or spread them across millions of customers. Small, local businesses don’t have that same advantage. Every percentage point matters.
Why Small Businesses Feel It the Most
For local providers, increased fees directly impact our ability to keep prices affordable. Unlike big-name corporations, small businesses can’t rely on volume alone to offset higher expenses. Instead, we work hard to stay efficient while still delivering personalized service, local support, and competitive alternatives to large providers.
This is where ACH payments make a large impact.
How Switching to ACH Helps
ACH (bank transfer) payments come with significantly lower processing costs than credit cards. By choosing ACH, customers help reduce the fees that are taken out of each payment, allowing more of that money to stay with the business providing the service.
That savings helps local companies:
- Keep monthly rates as low as possible
- Invest in better infrastructure and customer support
- Continue offering competitive alternatives to national providers
- Remain financially sustainable in a challenging economy
Switching to ACH is one of the easiest ways customers can directly support the businesses they rely on.
The Bigger Impact on the Community
Small businesses do more than provide services—they strengthen communities. They create local jobs, support other nearby businesses, and keep dollars circulating within the local economy. When small businesses thrive, communities benefit from greater choice, better service, and healthier competition.
By choosing ACH payments, customers are helping preserve those benefits and ensuring that local providers can continue to exist alongside large, national companies.
A Small Change That Makes a Big Difference
Switching to ACH may feel like a small step, but its impact is significant. It helps offset rising costs, reduces unnecessary fees, and allows local businesses to focus on what matters most: serving their customers and community.
We’re grateful for the continued support and trust our customers place in us. Together, small choices like this help keep local businesses strong—now and into the future.