Category: Credit Card Processing


Credit Card Processing

American Express International Assessment

Ben Dwyer
by Ben Dwyer

As of 2018, the International Assessment carries a rate of 0.40% of the total transaction volume. Let’s break that down further and take a look at when this fee is charged. OptBlue Pricing Model American Express Assessments When is the International Assessment charged? Lowering Your Amex Acceptance Costs OptBlue Pricing Model Firstly, the International Assessment […]

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The International Assessment is a credit card processing charge that a business on an OptBlue pricing model incurs when accepting an American Express card that was issued outside of the United States.

American Express Data Security Operating Policy

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Credit Card Processing

American Express Card Not Present Surcharge

Ben Dwyer
by Ben Dwyer

Let’s break that down a little further. Defining Card Not Present What is OptBlue? Card Not Present Surcharge Do all processors impose the Card-Not-Present Surcharge? Defining Card Not Present The term “card not present” can be a little tricky. It covers any transaction where you don’t run the card through a credit card machine using […]

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American Express’ Card Not Present Surcharge is a fee charged to businesses on the OptBlue pricing model that take credit cards through non-swiped methods, such as online or by keying in card details.

American Express Data Security Operating Policy

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Credit Card Processing

Discover Data Usage Fee

Ben Dwyer
by Ben Dwyer

However, processors may or may not charge it, and may or may not list it as the “data usage fee.” What are assessment fees? Data Usage Fee Paying the Data Usage Fee Interchange Plus Pricing Flat Rate Pricing Can I lower or avoid the Data Usage Fee? What are assessment fees? Assessment fees are a […]

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The “Data Usage Fee” is an assessment charge Discover imposes when you accept Discover cards at your business.

Discover Information Security and Compliance Program

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Credit Card Processing, ecommerce

Mastercard Digital Enablement Fee

Ben Dwyer
by Ben Dwyer

Let’s take a look at when you’ll be charged, how much, and how to locate the fee. What is the Digital Enablement Fee? Credit Card Assessments Where to Find the Digital Enablement Fee The Digital Enablement Fee on Interchange Plus and Tiered Statements The Digital Enablement Fee on Flat Rate Statements Can I get the […]

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Wondering about the “digital enablement fee” on your credit card processing statement? Mastercard’s Digital Enablement Fee is a charge to businesses that accept card-not-present transactions, such as  those made on ecommerce websites.

Mastercard Location Fee

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Credit Card Processing, ecommerce, Security and PCI Compliance

Using American Express SafeKey

Ben Dwyer
by Ben Dwyer

Available from American Express, SafeKey provides an addition layer of protection for online transactions made with an American Express card. What is American Express SafeKey? SafeKey 2.0 How it Works Benefits of Implementing SafeKey Does it cost money to use American Express SafeKey? How to Implement SafeKey Taking American Express What is American Express SafeKey? […]

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The major card brands offer advanced anti-fraud tools for businesses willing to use them, and SafeKey is one such tool.

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Business, Credit Card Processing, ecommerce

What Changes Will the Internet of Things Make to Payments?

Ben Dwyer
by Ben Dwyer

While they provide tremendous convenience, it’s also vital to properly secure IoT products, especially if they have access to our financial details. Let’s take a look at the IoT, explain what it is, how it’s integrating payments, and the impact that will have on consumers, manufacturers, and payment providers. What is the Internet of Things? […]

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Imagine a world of 20 billion connected devices, all transmitting and receiving data. Now, imagine that a good portion of these devices can make payments and order products and services on your behalf. That’s not just in your head — that’s the Internet of Things (IoT), and as time goes on, these devices will be everywhere.

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Credit Card Processing

Visa and the Contactless Transit Payments Market

Ben Dwyer
by Ben Dwyer

That’s why Visa’s new entry into the contactless transit payments marketplace is so exciting. We’ve all seen the queues at turnstiles and ticket windows. Systems like Oyster on the London Underground, Suica in Japan, and Calypso in Europe have revolutionized how people get around. These contactless micro payment cards simply debit a small amount from […]

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When it comes to public transportation and commuting, passengers are looking for one thing above all else — speed. As city populations grow, public transit is coming under pressure to move as many people through the system as quickly as possible.

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B2B, Credit Card Processing

What is First Data’s Comm Card I/C Savings Adj?

Ben Dwyer
by Ben Dwyer

First Data and its sales channel Ignite Payments announced a new service. It’s called the Commercial Card Interchange Service, and the goal is to help you reduce interchange fees on certain transactions made with a commercial credit card. In exchange for helping you save money on commercial transactions, First Data/Ignite takes 50% of the reduction […]

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If you’re seeing a line on your processing statement labeled “COMM CARD I/C SAVINGS ADJ” or “COMM CARD INTCHG SERVICE,” you’re probably wondering what that is.

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