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Plain answers about taking card payments.
What chargebacks really cost, how the rules catch people out, and how to read a statement you were never meant to understand.
How long does merchant account approval take?
Most complete merchant account applications receive an underwriting decision within 24 to 48 hours. Underwriting review…
Interchange isn't the part you negotiate
The cost of accepting a card splits three ways: interchange to the issuing bank, assessments to the card brands, and ma…
What is an effective rate, and how do I calculate mine?
Your effective rate is total fees divided by total processing volume for the month, expressed as a percentage. It is th…
How to read your merchant processing statement
A merchant processing statement shows what card acceptance cost your business for the month. It breaks into three parts…
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Would a straight answer help?
Send a recent statement and we will tell you whether we can beat it. No call unless you ask.