A FeeFighters user recently asked this question:

I’m a startup company so it’s very difficult to estimate my monthly processing volume in six months time. I imagine that it’s be at least ten times higher than it is now. How does this affect the pricing I get from processors now? Can I be more competitive in six months time?

Here is our answer:

Do your best in estimating but don’t worry too much about it. Credit card processors determine pricing based on three variables: industry, ticket size, and monthly credit card volume. Two of those are not likely to change, and the third is understandable. Processors have the same pricing until you reach certain levels or tiers of volume. These tiers are different from processor to processor, but are similar in terms of scale. So for example, you get similar pricing if you process $500 and $10,000 per month. Pricing is even similar between volumes of $10,000 and $100,000.

The good news is, with FeeFighters, it is easy to reshop your processor should your sales drastically increase. If you’ve signed up with a processor without a cancellation fee (like any processor on FeeFighters) it’s as easy as filling out a new auction form and switching if you find a better deal.

More realistically, you may find a better deal in six months because the marketplace has become more competitive rather than your volume increasing to such a high level that pricing will change significantly.