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+19 Lightspeed Credit Card Processing Fees Ideas . Restaurant owners/managers can choose to absorb the full fee,. Web average credit card processing fees range from 1.5% to 3.5%. Credit Card Processing Fees Average Transaction and Merchant Fees from www.creditdonkey.com Web there are several payment processing options available with lightspeed restaurant. You can refund the full amount of the original. Web the surcharge amount must not exceed your total current credit card fees and cannot exceed 4% of the transaction total, even if your own processing fee is above 4%.