For pet-care businesses, credit card processing fees—sometimes called “credit card swipe fees”—are one of those costs that’s easy to overlook until you add them up. These credit card swipe fees typically cost small businesses between 2% and 3.5% per transaction. At 3-3.5% per transaction, a business processing $500,000 in annual card volume could be losing $15,000-$18,000 a year to fees alone.