Credit Card Processing, Interchange Fees

Understanding American Express Merchant Services

There’s a lot of confusion about American Express merchant services. We regularly field questions about discount rates, pricing models, and settlement. In this article, we’ll explain everything you need to know about accepting American Express at a business. Just looking to see costs to take Amex cards? For the most up-to-date pricing, use our free […]

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In the past, American Express was the most expensive credit card to accept; a reputation that it hasn’t shaken despite introducing a new pricing structure to bring costs more in line with other card brands.

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Credit Card Processing

(Evil) Tiered Pricing Merchant Account Services

Tiered pricing is an opaque and expensive merchant account pricing model.

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Tiered merchant account pricing is currently the most common form of pricing for credit card processing services. Tiered pricing is opaque, expensive and is the vehicle for many of the hidden fees that plague the credit card processing industry.

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Credit Card Processing

Non Qualified Rate: A Figment of Your Processor Imagination

If so, you’ll be really happy to learn that non-qualified rates are nothing more than a figment of your processor’s imagination often used to increase profits through the practice of excessive surcharging. Non-qualified rates can be easily avoided, and this article will show you how to rid yourself of non-qualified fees forever. The Frustration of […]

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Are you looking at your credit card processing statement every month while banging your head against the wall trying to figure out how to lower your non-qualified credit card processing fees?

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Credit Card Processing

Interchange Pass Through Pricing

The benefits of interchange pass through (often called interchange plus) are transparency and lower costs when compared to bundled or tiered pricing models. It’s safe to say that pass through pricing allows your business to get the best credit card processing fees, which is why it’s the only form of pricing we allow processors to […]

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Interchange pass through pricing is a form of credit card processing pricing that allows the actual cost of processing (interchange fees & assessments) to be passed directly to your business.

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Credit Card Processing

Tiered Pricing VS. Interchange Plus

Understanding how credit card processing fees are determined and how different merchant account pricing models work can save your business hundreds of dollars a month in transaction costs. One of the first questions you’ll ask is “Which should I go with, tiered pricing or interchange plus?” Tiered pricing is never in your best interest, but don’t […]

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Tiered pricing or interchange plus? How do you know what’s best for your business?

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Credit Card Processing

Interchange Plus Pricing

This often leads to lower costs when compared with other forms of pricing such as tiered or bundled. But what IS interchange plus pricing, exactly? And is it the best pricing model? In this article, we’ll explain interchange plus in detail and take a look at the benefits. What is interchange plus pricing? Interchange plus […]

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Interchange plus pricing is a credit card processing pricing structure that separates the components of processing, costs allowing for transparent reporting and interchange optimization.

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Credit Card Processing

Flat Rate (Subscription) Merchant Accounts

Subscription pricing is becoming more popular as businesses try to find ways to cut credit card processing costs. This type of pricing can be competitive, but there is an element of marketing spin that can sometimes make it seem better than it actually is. Subscription flat rate pricing is available from some processors in the […]

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Subscription or membership flat rate merchant accounts are one option for businesses that want to take credit cards. A subscription pricing model is one in which a credit card processing company charges a fixed cost instead of a percentage of your sales.

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