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That's pretty close to the standard base rate that CCBill and Epoch charge to process transactions. You can do a little better with volume, (maybe 1-3 points accordingly)
This is just for the processing fee remember, so if a sponsor is cutting their own checks then those bookeeping fees needs to be figured in as well.
It's not high or out of the ordinary.
However I do agree with your other point on your expectations of what a 50/50 payout is.
This has been a personal gripe of mine as well because I get so tired of seeing sponsors advertise 60/40 to make them look good compared to a 50/50. When in reality they do like you say and deduct half or sometimes all of the card fees and you end up with around 50%anyways.
You will find that rev share programs that advertise 60/40 or better percentages for the affiliates are much more likely to be deducting card fees from it's affiliates half, more so than 50/50 programs.
I advertise my programs as 50/50 and I pay ALL of the fees. So affiliates get exactly 50% of what the member pays for life.
In reality that's not really a 50/50 partnership as I only end up with 36-37% after the processor gets their cut.
Bottom line, read the sponsors TOS to know for sure.
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