
Pricing Basics·June 2025
What Is an Effective Rate and Why Every Merchant Should Know Theirs
Your effective rate reveals the true cost of accepting cards — here's how to calculate it and what a healthy number looks like.
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Plain-language guides to payment processing, interchange, pricing models, and the fees that most processors hope you never look too closely at.

Your effective rate reveals the true cost of accepting cards — here's how to calculate it and what a healthy number looks like.
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Two of the most common pricing structures explained side by side so you can see which one fits your business.
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Cash discounting is legal, growing in popularity, and could reduce your processing costs to zero.
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