We know what you're thinking - "That's all well and good, but I'm the one who still has to pay the higher transaction fee that eats into my margins." But what if you didn't have to pay the rate that you're currently paying for AMEX, which if you're like most bike stores, is anywhere from around 3% to 3.50%? What if we told you that you would pay just 2.45% for AMEX? With our economies of scale, 2.45% is the rate that members of The Bike Cooperative pay for American Express.