Sales or service made but not get paid yet. You deserve 100 percent of account receivable without giving any cuts to Master, Visa, Amex, or ACH fee.
Switch to email checks. Request or receive checks through email. Set it up for one time, recurring or open: print and Deposit.
Calculate how much money you were paying into transaction fees when you have a significant number of transactions, Accounts Receivable turnover like apartments, service providers, associations, Tax collectors, Insurances, even 501c Charites.