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The percentage that you pay for accepting credit cards is called the Effective Rate. There are 3 parts.

Interchange Rate - The largest portion, goes to the issuing banks who are funding the transaction.

Assessment Rate - Goes to the network(card companies) for facilitating the transaction between customer, and merchant.

Payment Processor fee - Provided the the third party(SBS) for protecting the transaction and managing the logistics to ensure you get paid.

Typically, Interchange rates and Assessment rates do fluctuate for a number of reasons, but usually remain consistent across all providers as they are determined by the banks and card companies. You can lower your fees by ensuring you are working with a processor(SBS) who is able to offer competitive rates, the latest technology, and the correct solutions.