Typical Range
Salons & Spas typically pay 2.4%–3.2% effective rate
Beauty shops (7230), health/beauty spas (7298)
Salons & Spas processing profile
| Typical effective rate | 2.4% – 3.2% on interchange-plus pricing |
|---|---|
| Relevant MCC codes | 7230, 7298 |
| Card mix | High credit share (65–75%) — service-based tickets and tipping culture push customers toward credit over debit |
| Typical ticket size | $45–$150 for services, higher for packages and retail add-ons |
Where salons & spas margin leaks out
- ·Tip processing on top of service price is a common source of 'non-qualified' downgrades
- ·Booking-software-bundled payment processing (many booking platforms require their own processor) is usually priced well above standalone interchange-plus
- ·Membership and package billing (recurring charges) often defaults to a higher card-not-present rate even when the client is physically present at booking
- ·No-show and cancellation fee charges sometimes get coded in ways that trigger chargebacks more easily than standard sales
Junk fees to check for on your statement
- ·Booking-platform payment markup
- ·PCI non-compliance fee
- ·Monthly minimum fee
- ·Batch fee
- ·Gateway fee for online booking deposits
Cash discount & surcharge programs
Cash discount programs are common in this vertical for service-based pricing — see our state-by-state guide for compliant structures.
Common questions
What do salons & spas typically pay for credit card processing?
On interchange-plus pricing, salons & spas typically run a 2.4%–3.2% effective rate, depending on card mix and ticket size. High credit share (65–75%) — service-based tickets and tipping culture push customers toward credit over debit
What junk fees should salons & spas watch for on their statement?
Common ones in this vertical include Booking-platform payment markup, PCI non-compliance fee, Monthly minimum fee, Batch fee, and Gateway fee for online booking deposits. None of these are required by card networks — they're processor-added.
Is a cash discount or surcharge program a good fit for this vertical?
Cash discount programs are common in this vertical for service-based pricing — see our state-by-state guide for compliant structures.
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More fee guides
Rate ranges reflect typical interchange-plus pricing based on industry-standard interchange categories for this business type. Your actual rate depends on your specific card mix, ticket size, and processor. This is not a quote or guarantee — use the calculator above for a figure specific to your business.