
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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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 is how to calculate it, what a healthy number looks like, and what to do if yours is too high.
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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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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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