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Navigating these costs has only gotten more complex, as POS providers partner with credit card companies. Remember, before you burn everything down over a 0.1% difference, consider the actual impact: 2.4% versus 2.5% on a million dollars in credit card sales amounts to $1,000 across the year. Negotiating Today's POS Landscape Today's POS providers are increasingly separating their POS and credit card processing services, meaning your POS rep might not have control over the processing rates.