A Partner in Business and in Life
At Janet St. Paul Studio for Hair and Beauty, Director of Operations Natasha McMillen helps bring her wife Janet St. Paul's vision to life, elevating every system from education to operations.
by Stacey Soble
Processing Fees: Accepting Credit Cards
ACCEPTING CREDIT CARDS is a necessary part of doing business, but the quality of service and your fees can vary depending on your vendor.
April 5, 2012
3 min to read
Photo Credit: Andres Rueda
ACCEPTING CREDIT CARDS is a necessary part of doing business, but the quality of service and your fees can vary depending on your vendor. As a sales team leader with North American Bancard, Stacey Joseph helps salons, as well as independent stylists, dramatically lower their credit card processing rates. Here, she tackles questions regarding credit card processing fees:
ST: What should salon owners be aware of when it comes to credit card processing fees?
Joseph: “Two of the major issues that both salon owners and booth renters run into with credit processing is they are paying very high processing rates as well as not getting free credit card processing terminals that are of the latest technology and PCI Compliant. For example, we offer free equipment as long as you are processing your credit cards with us. Another situation to be alarmed about is companies that send a broker to your location who in turn, has to be paid for that visit indirectly. Your fees are guaranteed to be higher than usual because your cards are then being processed through a third party. You want to be with a direct processor who gives you a national wholesale pricing program and free equipment.”
ST: What is the current range of standard rates, and how should an owner negotiate if their rate seems higher than that?
Joseph: “Standard industry base rates are between 1.50%-2.00% as a base rate, but being in the industry for so long, I notice that many merchants are paying a teaser rate and their surcharges escalate to more than 3.00%. Some companies will not negotiate with you as a current client. In cases like these, I always suggest weighing your options with a more flexible company who is willing to work with you. Don’t think because you are paying high rates with one company, it will be that way with every company.”
ST: Some salons allow clients to include tips on credit card transactions while others won’t because they don’t want to be responsible for the processing fees for the tip portion. Have you seen any creative ways for salons to deal with this issue and keep clients happy?
Joseph: “I would suggest that salons accept tips in any form they come in. Most people carry very little cash, and a stylist is more likely to receive a larger tip when a client is using a credit card than when they pay with cash. But it can be another downfall with a credit card processor that doesn’t understand the needs of a salon and therefore doesn’t set you up properly. With high-speed wireless dial-up terminal and smart phone processing you can include a tip line without having to pay an excessive fee.”
For more information, visit nynab.com.
Subscribe to Our Newsletter
More Salon Management
Back to Business with the Pinstripe Trend
Expand your color service menu with the Pinstripe technique. Brooks and Brooks' Marlon Hawkins walks you through the technique.
by Stacey Soble
5 Essential Hair & Beauty Industry KPIs And How to Master Them
The strongest salons, spas, and med spas know which numbers tell the real story of their business. In this practical guide, Phorest breaks down the five essential KPIs every business should track to improve retention, boost revenue, and make smarter decisions with confidence.
Sponsored by Phorest
Bella Style Salon's Ride or Die
At Bella Style Salon in Slidell, Louisiana, Director of Operations Angela Meyer tackles inventory, team management, and guest relations. Read all about her in our latest Meet the Manager.
by Stacey Soble
The Constant
Starting at Impressions front desk in 2006 when he was 19 years old, General Manager Paul Petrowsky is a seasoned professional who owner Sarah Taylor says is responsible for much of her own success.
by Stacey Soble
The Most Wonderful Time in Salons and Spas
Planning is in full swing for the most anticipated events and promotions for the 2026 holidays. As owners share their favorite ways to celebrate, they prove that a carefully planned event can also build culture, increase client loyalty, boost sales, and set a business up for a successful 2027.
by Stacey Soble
Leading with Empathy, Humility and a Mastery of Systems
When things run amok at Mane Attraction Salon, Owners Chris and Jenny Knudsen say General Manager Sami Hernandez is their go-to resource and ultimate sounding board. Meet Sami in this installment of Meet the Manager.
by Stacey Soble
Pagoda Brings AI-Powered Operations to Skinovatio Medical Spa Locations
Pagoda, a new AI-native operating system for scheduling, payments, patient records, marketing, and client communications, launches at Skinovatio Medical Spa in Arlington Heights, Illinois.
by Staff
How Women are Rewriting the Rules of Grey Hair
At a panel discussion hosted by L’Oréal Professionnel in Paris in early July, French Philosopher Sophie Galabru explored the cultural shift where women are increasingly choosing natural, personalized color results over traditional grey coverage. In an exclusive interview with SALON TODAY, Galabru and L’Oréal Professionnel Colorist Pierrick Beringer discuss this shift and how salons and colorists respond.
by Stacey Soble
Warm Leadership and Analytical Precision
At Salon Blonde, Director of Operations treats the staff as the salon's most important guests, while her wonderful 'nerdy' side, loves data, systems, and numbers. Find out how she makes Salon Blonde tick.
by Stacey Soble
Trotting the Globe, Forging Connections, Fostering Artistic Creativity
In an exclusive interview with SALON TODAY, Salon Owner Salvatore Minardi reflects on his past 18 months as Intercoiffure America Canada's World Talent Exchange Ambassador and how his experiences will help encourage cultural and artistic exchange and support greater engagement between ICA and the global organization Intercoiffure Mondial.
by Stacey Soble
Client Retention Guidebook
Everything you need to know about client retention as a salon owner.
Success Grown from Within
Owner Shelby Bills says her general manager, Sydney Osborne, reminds her of the power of leading with heart. Find out how Osborne became a great leader in our lastest installment of Meet the Manager.
by Stacey Soble
How Salon Leaders Can Process the Pain and Lead Forward When a Team Members Leaves Unethically
In her latest blog, Kati Whitledge identifies the five stages salon owners go through when a team member leaves the salon unethically, offering advice for each stage.
How AI Is Closing Revenue Gaps for Salons and Spas
The beauty and wellness businesses pulling ahead aren’t just working harder—they’re using AI to capture demand, personalize pricing, and convert more of every guest interaction into revenue. Here’s what the benchmark data reveals about the growing gap between AI adopters and everyone else.
Sponsored by Zenoti
The Premium Talent Magnet: The Modern Salon Playbook for Attracting Six-Figure Stylists
Stop chasing recruitment ghosts on generic job boards and start curating an elite team. Discover the framework that top-tier salons use to bypass phone tag, automate visual portfolio vetting, and attract high-earning, culture-first beauty professionals directly through real-time messaging. Turn your recruitment process into an exclusive brand invitation that keeps your highest-ticket chairs permanently filled.
Sponsored by Beautista
Five Revenue Leaks Hiding in Your Salon
Your calendar looks full, but is all of that demand actually converting to revenue? From phantom rebookings to underpriced peak hours, the 2026 Benchmark Report exposes five revenue leaks that most beauty and wellness businesses don’t even know they have.
Sponsored by Zenoti