How to find your effective processing rate
Your effective rate is your total processing fees divided by your total card sales for the month. Here is how to find both numbers on your statement, with worked examples.
Read the guideMerchant guides
Guides for merchants.
Straight answers to the questions we hear most from merchants: what processing really costs, what to do after a shutdown, and how high-risk accounts work.
Payment account shut down? What to do next
If Square, Stripe or PayPal closed your account, here is what to do in the first week: get the reason, save your records, check for a MATCH listing and apply with the right processor.
Read the guideWhat is a high-risk merchant account?
A high-risk merchant account is card processing from a bank that knowingly accepts businesses most processors avoid. What makes a business high-risk, what changes, and what underwriters ask for.
Read the guideCash discount and dual pricing: let customers cover the card fee
With a cash discount or dual pricing program, your card price covers the cost of processing and cash customers get a discount. How it works, what it saves, and what has to be disclosed.
Read the guideWork with us
Tell us what you need.
Stock for your store, a merchant account, a customer service team or a hard-to-find product. Tell us what you need and we'll get back to you with a clear plan.