Hello, every year I evaluate my CC processing and see if better rates are available.
I am currently at 12 basis point.
The last time I calculated it, I think the effective rate was around 1.6.

We do have a brick & mortar store with an actual credit card machine.
But 99.9% of the transactions are card not present, via website payment gateway.
Average 35K per month in credit card transactions being handled though my payment processing..
We do have other payment transactions but they are handled through amazon and paypal.