Pricing and cost
Guide · 8 min
Interchange-plus vs flat-rate pricing
What interchange really is, where the spread goes, and which model costs you less.
Read →Guide · 9 min
How to read your merchant statement
The order to read one in, the one calculation that matters, and the red flags.
Read →Guide · 7 min
Surcharging rules explained
The card brand rules that apply everywhere, before your state's do.
Read →How the money moves
Guide · 8 min
How credit card processing works
Authorization to deposit, every party involved, and where each dollar goes.
Read →Guide · 7 min
Why processors freeze merchant funds
What triggers a hold, how rolling reserves work, and the structural fix.
Read →Guide · 6 min
What is a rolling reserve?
How much one really costs in working capital, and how to get it released.
Read →Getting approved
Risk and security
Guide · 9 min
Chargeback prevention guide
The three real causes, what each one costs, and how to fight one you can win.
Read →Guide · 7 min
PCI compliance for small business
Which questionnaire applies to you, and how to shrink your scope.
Read →Guide · 6 min
EMV and the liability shift
Why chip acceptance is a liability instrument, not a convenience feature.
Read →Guide · 7 min
Payment security best practices
Hold less card data, so a breach has less to take.
Read →Equipment
Or skip the reading. Send us your statement.
We'll show you your real effective rate, line by line, in one business day. No cost, no switch required.
Or read the payments glossary.