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Processing costs, processor terms and settlement timing, taken apart line by line. No figure on this site comes from a processor.
2026-09-12 · 12 MIN
The two headline rates are identical to the cent, and the number that decides the choice sits three rows below them
Shopify Payments on the entry plan and Stripe both charge 2.9 per cent plus 30 cents. Run anybody else through a Shopify store and a third party transaction.
2026-08-31 · 12 MIN
The uplift number on the orchestration slide is real, published by Visa, and about something you already own
Visa publishes four different token uplift figures with four different footnotes, and none of them measures orchestration. The numbers that are fixed to the.
2026-08-31 · 12 MIN
The ratio that gets you fined is not the ratio in your dashboard, and the US line drops by a third on 1 April 2026
Visa counts fraud reports and disputes together, by count, on card not present traffic. Mastercard divides this month’s chargebacks by last month’s sales. I.
2026-08-18 · 12 MIN
Debit card interchange fee cap: the ceiling on your debit traffic, and the routing choice that is legally yours
I spent 2 years telling merchants that the processor decides how a debit payment travels. The regulation says the opposite, in plain words, and it says it.
2026-08-14 · 10 MIN
How instant payouts work, and the clock most shops are adjusting by mistake
Changing the payout schedule does not make money available sooner. It only changes the sweep. The 2 clocks, where days disappear into weekends, the same-day.
2026-08-06 · 12 MIN
Backup payment processor: the afternoon a quarter that prevents the bad fortnight
An afternoon of payment redundancy for ecommerce against a fortnight of downtime. The chargeback ratio threshold that puts a merchant into a monitoring.
2026-08-04 · 14 MIN
Payment processor comparison: the four terms that cost more than the rate
The rate is the number on the page and it is rarely the number that costs you. The four merchant account fees terms that decide the bill, what a rolling.
2026-08-04 · 13 MIN
Does 3D Secure hurt conversion: the switch is not in your checkout
Whether your customer gets challenged is decided by a rolling 90 day fraud rate belonging to your provider, and by which of the 3 basket bands your order.
2026-08-03 · 11 MIN
Payment processing fees: the quote is a percentage and the bill is a total
Rebuilt from a published price list and a Federal Reserve data collection, because the earlier version of this piece rested on one private statement. Your.