PYMNTS

OCTOBER 30, 2020

Covering the cost of payments processing is an unavoidable expense, but many businesses can find themselves paying more than necessary. Doing so can help businesses process transactions at the lowest available price and enjoy more ROI from the gateways they have already integrated. The negotiation game.

Processing Costs 93

Processing Costs Process Payment Gateways Gateways 93

Stax

JANUARY 21, 2025

TL;DR Looking for payment processing in Canada? Stax offers a flat-rate subscription model with no transaction markups, making your payment processing costs predictable and low. transactions, customers) The ability to Accept Payments Beyond Credit Cards Why limit yourself to credit card payments?

Credit Card Payment Processing 88

Credit Card Payment Processing Credit Cards Process Payment APIs and Integration 88

Fintech News

NOVEMBER 5, 2024

The use of PBM is expected to keep payment processing costs consistent for GrabPay merchants and international payment apps within the Alipay+ ecosystem. This streamlined approach aims to reduce transaction complexities and support small and medium-sized enterprises (SMEs) with efficient and secure cross-border transactions.

Stablecoins 109

Stablecoins Cross-Border Payments Cross-Border Blockchain 109

Stax

JULY 7, 2025

In a consumer landscape where convenience is always a priority, credit card processing has become an essential mechanism for businesses to accept payments seamlessly. But behind every smooth credit card transaction is a complex system connecting various entities—most of whom take a cut out of the transaction.

Credit Cards 88

Credit Cards Process Processors Debit Card 88

Basis Theory

NOVEMBER 13, 2023

How Credit and Debit Cards Compare The fundamental difference between a credit and debit card is whose money is being used in the transaction: with a credit card, the consumer is borrowing from the card issuer , while with a debit card they are using their own money, stored with the issuing bank.

Credit Cards 88

Credit Cards Processing Costs Debit Card Card Issuer 88

Stax

JUNE 24, 2025

TL;DR Credit card processing fees eat into the profits of small businesses. Surcharging offers a way to pass credit card processing costs to the customer, letting businesses keep their earnings. the industry of the merchant, and the specific details of the transaction (e.g., card-present vs. card-not-present).

Credit Cards 88

Credit Cards Process Processors Laws 88

Synapse Payment Systems

AUGUST 25, 2022

However, businesses have to pay processing fees for each transaction. The good news is that it is possible to learn how to lower credit card processing fees. Negotiating lower transaction fees with your merchant account provider is all about being proactive and doing your research. A transaction fee ranging from $0.05

Credit Cards 130

Credit Cards Transactions Processors Assessments 130

Fintech Finance

NOVEMBER 1, 2024

Geopolitical shifts have diversified supply chains, and real-time payments have become the preferred method for digital transactions in these regions. This growth, at 40% year-over-year over the last five years, signals a clear shift away from card-based transactions.

Cross-Border Payments 98

Cross-Border Payments Cross-Border Real Time Payments APACS 98

Fintech Finance

MARCH 28, 2025

commercetools Payment Hub makes sure that enterprises get the best payment partnerships on their terms — without hidden fees, vendor lock-in, or inflated transaction costs,” said Shiri Mosenzon Erez, Chief Product Officer at commercetools. . “Enterprises shouldn’t have to sacrifice revenue for convenience.

Payments Strategy 88

Payments Strategy Payments Cross-Border Payment Gateways 88

PayJunction

JULY 9, 2025

A surcharge is a small fee added to credit card transactions to offset payment processing costs. Offsetting credit card processing fees with surcharging is legal in most states and can be implemented without generating customer complaints, but only when done correctly. What is a Surcharge?

Rules 52

Rules Credit Cards Processing Costs Legal 52

EBizCharge

JUNE 18, 2025

But with rising credit card processing fees, B2B businesses are caught between convenience and margin protection. That’s where credit card surcharging comes in: a legal and innovative way to offset processing costs. A surcharge is an additional fee passed to the customer to cover the cost of credit card processing.

Best Practices 52

Best Practices Credit Cards B2B Alternative Payment Methods 52

The Fintech Times

MARCH 13, 2025

For digital platforms, processing pay-ins (customer payments) and pay-outs (disbursements to creators, merchants, or partners) comes with transaction fees that impact margins and cash flow. LocalPayment by Aleph integrates 540+ local payment methods to ensure seamless transactions.

Cross-Border Payments 96

Cross-Border Payments Cross-Border Payment APIs and Integration Payment Service Provider (PSP) 96

Clearly Payments

FEBRUARY 10, 2025

The Payment Processor The company that facilitates transactions. The Issuing Bank The customers bank, called the issuing bank , which authorizes or declines transactions. Card Networks Companies like Visa, Mastercard, and American Express ( credit card networks ) that set processing rules and fees. per transaction.

Small Business 66

Small Business Process Address Verification System (AVS) Cross-Border 66

EBizCharge

JUNE 19, 2025

But with rising credit card processing fees , B2B businesses are caught between convenience and margin protection. That’s where credit card surcharging comes in: a legal and innovative way to offset processing costs. A surcharge is an additional fee passed to the customer to cover the cost of credit card processing.

Best Practices 52

Best Practices Credit Cards B2B Legal 52

Clearly Payments

MARCH 4, 2025

Analyzing Payment Processing Costs Many business owners assume they are paying lower fees than they actually are. The effective rate is the total processing cost divided by total sales volume and is the true measure of what a business is paying. per transaction based on its processor’s advertised rate.

Small Business 52

Small Business Process EMV Processors 52

EBizCharge

JULY 7, 2025

Credit card processing fees are one of those line items that quietly eat away at margins. As these payment processing costs continue to rise, companies are looking for practical ways to offset them without overhauling their pricing models. How is a transaction evaluated before a surcharge is applied?

B2B 52

B2B Credit Cards Processing Costs Rules 52

Stax

JUNE 23, 2025

It simplifies complex ACH transactions by removing manual steps such as logging into bank portals or uploading CSV files, reducing errors and improving efficiency. Businesses use ACH API integration to lower payment processing costs, streamline high-volume or recurring payments, and improve payment status visibility.

ACH 88

ACH API Payment APIs and Integration ACH Network 88

Fintech Finance

JUNE 23, 2025

Authorisation rates have remained consistently high—even during peak volumes, protecting merchant revenues and minimising failed transactions. Deutsche Bank acts as the acquirer plus optional PSP & cash management services, allowing merchants to tailor transaction costs, settlement timing, and risk parameters to their needs.

Payment APIs and Integration 59

Payment APIs and Integration Acquirers Digital Payments Disputes 59

The Fintech Times

MARCH 19, 2025

The research was published in Juniper Research ‘s Global Network Tokenisation Market: 2025-2029 report , and predicts that the growth of network tokens will mean they are better placed to fight fraud, lower processing costs and streamline checkout experiences for users in the future.

Research 71

Research Processors Visa Processing Costs 71

EBizCharge

DECEMBER 2, 2024

Often seen in places like gas stations displaying a cash and credit price, the dual pricing model aims to offset credit card processing fees by encouraging cash payments. By clearly differentiating between cash transactions and credit card purchases, dual pricing allows for transparent cost allocation related to payment processing fees.

Process 52

Process Credit Cards Legal Point-of-Sale (POS) 52

Stax

MAY 13, 2025

TL;DR Merchant services are more than a cost center; with the right provider, they can boost customer experience, streamline operations, and unlock growth opportunities. Fast deposits, flexible checkout options, and transaction insights can improve cash flow, raise conversions, and inform smarter decisions.

Credit Cards 88

Credit Cards Payment APIs and Integration Processors Online and Mobile Banking 88

EBizCharge

JUNE 19, 2025

How It Works Surcharging is a simple way for businesses to recover the cost of accepting credit cards without inflating their prices. The surcharge is a percentage ( up to 4% ) of the transaction total. It’s applied only to credit card transactions, not debit or prepaid cards. Prices include card processing costs.

Credit Cards 52

Credit Cards Legal Processing Costs Card Network Rules 52

Stax

MARCH 27, 2025

To choose the right payment method, consider transaction volume, transfer speed, cost, and security. ACH payment is more affordable and can be automated and payee-initiated, making it ideal for recurring transactions and subscription payments. Thats Electronic Funds Transfer (EFT) in action. Lets look into that closely below.

ACH 88

ACH Electronic Funds Transfer (EFT) Wire Transfer Wires 88

Stax

MAY 6, 2025

Learn More What is Credit Card Payment Processing? Credit card processing refers to the series of steps involved in facilitating transactions made using credit cards. The process begins from the moment the customer makes a card payment to the point when the transaction is authorized and settled.

Credit Cards 88

Credit Cards Online and Mobile Banking Payment APIs and Integration Credit Card Payment Processing 88

Fintech Finance

NOVEMBER 6, 2024

The launch comes as the majority of Accept Card clients have seen cash transactions continue to hold firm in the midst of a cost of living crisis. The UK last year saw a rise in cash payments, with the British Retail Consortium estimating they accounted for 19% of total transactions in 2023 (up from 15% in the previous year).

Payments 98

Payments On-Demand Settlement Bank Closure 98

EBizCharge

JUNE 3, 2025

As businesses grow and transaction volumes increase, the need for a dependable and scalable payment processing solution becomes critical. A high-volume merchant account is a payment processing account specifically designed for businesses that regularly process a large volume of credit and debit card transactions.

Volume 52

Volume Credit Cards Process CRM 52

Stax

JANUARY 21, 2025

said theyve used electronic payment methods to make a transaction in the past three months. Ensure the gateway offers PCI DSS compliance, encryption, tokenization, and fraud prevention tools to safeguard transactions. Every business model has unique transaction needs, security requirements, and customer expectations.

Payment Gateways 88

Payment Gateways Gateways PCI DSS Payment APIs and Integration 88

Stax

NOVEMBER 14, 2024

And 80% of those transactions are under $25. The first step to creating a more positive payment processing experience is to gain a better understanding of exactly what you’re being charged for and what options are at your disposal. You also have to be mindful of the costs of credit card processing.

Credit Cards 88

Credit Cards Process Online and Mobile Banking Payment APIs and Integration 88

EBizCharge

JUNE 27, 2025

Surcharging typically refers to adding a fee that is specifically labeled as such, while zero-cost processing is often positioned as a built-in business model where customers cover transaction costs. Most card networks cap the surcharge at your actual cost of credit card processing, usually no more than 3%.

Credit Cards 52

Credit Cards Legal Process Push-to-Card 52

Stax

MARCH 11, 2025

This article will show all you need to know about online credit card processing and how you can select the best payment services provider for your needs. The payment processor : this is the payment services provider that handles the verification and transfer of data and funds between the financial institutions involved in that transaction.

Online Payment Processing 88

Online Payment Processing Process Payment Gateways Online and Mobile Banking 88

The Payments Association

JUNE 16, 2025

While transaction fees and fraud prevention dominate immediate merchant concerns, forward-thinking businesses are leveraging payment method diversity, cross-border capabilities, and emerging technologies to gain measurable advantages.

Innovation 88

Innovation Cross-Border Fraud Prevention Payments 88

EBizCharge

JUNE 17, 2025

As payment processing costs continue to rise, many businesses are looking for ways to offset these fees. Two popular options—credit card surcharges and convenience fees —can help recover some of these costs. This fee helps businesses recoup the costs of processing those transactions.

Credit Cards 52

Credit Cards Legal Rules Debit Card 52

The Fintech Times

JUNE 24, 2025

Authorisation rates also remain consistently high, protecting merchant revenues and minimising failed transactions. Since going live, the partnership has slashed integration time compared to legacy deployments, enabling Deutsche Bank to onboard new merchants more rapidly.

Payment APIs and Integration 45

Payment APIs and Integration Disputes Reconciliation Treasury 45

EBizCharge

JUNE 24, 2025

Understanding those differences can help you avoid compliance headaches, improve the customer experience, and recover more of what you’re losing to payment processing costs. A surcharge is only applied to credit card transactions. Security and fraud: Online transactions carry additional risks related to fraud and chargebacks.

Credit Cards 52

Credit Cards Payments Debit Card Processors 52

Stax

DECEMBER 20, 2023

Set rate processing Subscription rate processing TL;DR Interchange fees are not collected by your payment processor or bank; they go directly to the card-issuing banks. Interchange fees vary significantly depending on the card issuer, the issuing bank, type of transaction and/or merchant type.

Credit Cards 167

Credit Cards Debit Card Processors Non-Bank 167

Stax

APRIL 10, 2025

Contact us 10 Top Payment Methods for Small Businesses Credit and debit card payments Card payments (credit cards and debit cards) account for 50% of the total number of small business transactions and remain the primary way customers make purchases on-site and online. You will need POS terminals to accept and process in-person card payments.

Small Business 88

Small Business Wire Transfer BNPL ACH 88

Evolve Payment

APRIL 3, 2025

Table of Contents If your business processes over $10,000 a month in credit card sales, you might be paying more than you should. Square recently raised its rates, especially for online and manually entered transactions. Square increased its processing fees for transactions where the card isnt physically present.

Credit Cards 52

Credit Cards Process Processors Processing Costs 52