Payment insights for US merchants

A credit card surcharge is a fee a merchant adds to a transaction to recover the cost of accepting a credit card, capped at the merchant’s actual cost o…

Dual pricing is a payment model where a business displays two prices for the same item, one for cash and one for card, so the customer covers the cost o…

A cash discount program is a pricing structure that posts a single list price for goods and services, then applies a discount at checkout when a custome…

Interchange is the wholesale fee that a merchant’s bank (the acquirer) pays to a cardholder’s bank (the issuer) every time a customer pays with a credit…

Zero-fee credit card processing is a pricing model where the merchant pays little to nothing in card processing fees because the cost of acceptance is s…

Interchange-plus pricing is a credit card processing model that separates the wholesale cost set by Visa and Mastercard (interchange) from the markup yo…

Dual pricing is the cleanest way for a US merchant to recover credit card processing costs in 2026. It is legal in all 50 states,

Most US merchants pay 0.5 to 1.5 percent more than they should on credit card processing. The reason is simple: their merchant statement is intentionally

If you process more than $5,000 a month in card volume, your pricing model matters more than your processor. Interchange-plus and flat-rate are the two