Processing payment cards and bank debits is a common requirement for most membership based businesses, such as martial arts schools, fitness / MMA / cross-fit gyms and yoga studios. Being able to charge members on a regular schedule for memberships and create on-demand charges for selling products is how those businesses generate revenue.

Despite being so important for such businesses, payment processing is often one of the most misunderstood aspects of it, and particularly how payment processing fees are calculated.