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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.

What Is an Effective Rate and Why Every Merchant Should Know Theirs
Pricing BasicsยทJune 2025

What Is an Effective Rate and Why Every Merchant Should Know Theirs

Your effective rate reveals the true cost of accepting cards. Here is how to calculate it, what a healthy number looks like, and what to do if yours is too high.

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Interchange Plus vs. Flat Rate: Which Pricing Model Costs You More?
Pricing ModelsยทJune 2025

Interchange Plus vs. Flat Rate: Which Pricing Model Costs You More?

Two of the most common pricing structures compared side by side โ€” so you can see which one fits your business and how much the difference is worth in real dollars.

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How Cash Discounting Can Eliminate Your Processing Fees Entirely
ProgramsยทMay 2025

How Cash Discounting Can Eliminate Your Processing Fees Entirely

Cash discounting is legal in all 50 states, growing in popularity, and can reduce your monthly processing costs to near zero. Here is how it works and whether it fits your business.

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