Fees & statements
29 guides written so a business owner can act on them, not so a processor looks good.
Year-End Card Processing Fee Review
One statement shows a month. Twelve show a pattern: fees that crept in, rates that moved and charges that only appear once a year. The end of the year is a good time to look at all of them together.
7 min read Fees & statementsAmex Processing Fees: How They're Priced
American Express can sit inside your main card account or under its own agreement. Which one you have decides where the fees show up and who sets the price.
7 min read Fees & statementsDebit vs Credit Card Fees: What Can Move
Debit and credit cards are priced differently behind the scenes. When a statement blends them, you cannot tell which part of the bill you can actually change.
6 min read Fees & statementsCard Holds and Reversals: New Canada Fee
If you hold a card first and charge it later, every hold you cancel or adjust may now cost you a little. Here is who should look, and what to ask your processor.
7 min read Fees & statementsCheck Your Effective Rate Before the Holidays
Higher sales are good news. They also multiply any fee you are overpaying. Your last normal month is the best time to check.
5 min read Fees & statementsVisa's New Canada Network Fee: April 2027
Visa is lowering some small merchant rates in Canada, and it also plans a new per-transaction network fee from April 2027. Here is what to ask your processor before it shows up on a statement.
6 min read Fees & statementsCredit Card Processing Fees: What Small Businesses Pay and Why
Every card fee you pay is built from the same three parts. Two are set by the card networks; one is set by your provider, and that is the part you can compare.
8 min read Fees & statementsAustralia Will Publish Card Fees. Check Yours Now
Australia is making card fees public. In the US and Canada nobody publishes them for you, but your own statement already holds the number that matters.
6 min read Fees & statementsMastercard NABU Fee in Canada: October 19, 2026
One Mastercard network fee goes away and another arrives on October 19. The amounts are fractions of a cent, but they add up on volume, and they land on the same statement as other October changes.
7 min read Fees & statementsCard Network Changes: Check Your November Statement
Network changes are real. A processor markup increase sitting next to them is a different thing, and your November statement is where to tell them apart.
6 min read Fees & statementsNew Processing Fees Rarely Come With a Phone Call
If nobody called, it does not mean nothing changed. Here is how to catch a new fee in ten minutes a month.
6 min read Fees & statementsFixed Monthly Processing Fees: Add Them Up Separately
Percentage fees rise and fall with your sales. Fixed fees arrive whether you sell a lot or a little.
7 min read Fees & statementsHow to Read Your Statement and Spot Fees to Question
Five steps, a pen and your fee schedule. The goal is a short list of lines worth asking about.
7 min read Fees & statementsHow to Read a Card Processing Statement, Line by Line
Most statements are built to be skimmed, not read. Here is how to find what you actually pay and where it goes.
9 min read Fees & statementsThe Non-Cancellable Terminal Lease: How It Really Works
The lease is often a separate contract with a company you never spoke to. Closing your merchant account does not end it.
6 min read Fees & statementsRegulatory Compliance Fees: What to Ask Before You Pay
The name sounds like a rule. The amount comes from your merchant agreement.
7 min read Fees & statementsPayment Gateway Fees: What Gateways Really Charge
A legitimate cost that is easy to overpay and frequently billed twice.
9 min read Fees & statementsCross-Border Fees: Card and Currency Costs Explained
When the card and the merchant are in different countries, several extra charges can apply. Only some of them are yours to pay.
12 min read Fees & statementsChargeback Fees: What They Cost and When They Should Be Waived
The card network sets the dispute process. Your provider sets the fee.
7 min read Fees & statementsThe Annual Fee That Lands in the Month You Are Not Watching
A fee you see once a year is a fee you check once a year, if at all.
9 min read Fees & statementsNon-Qualified Surcharges: Finding and Removing the Line
The surcharge is written into your agreement. Your statement has the numbers you need to measure it.
8 min read Fees & statementsInterchange Downgrades: How Visa Qualification Works
A downgrade is a network outcome. Whether you can see it depends on how your provider bills you.
7 min read Fees & statementsCard Brand Assessments: Reading the Network Fee Lines
Network fees are real costs. The question is whether the number on your statement is the network's number.
9 min read Fees & statementsThe Statement Fee: An Account Charge You Can Negotiate
No card network charges it. It lives in your fee schedule, which means it can be negotiated.
7 min read Fees & statementsBatch Fees: What Closing a Batch Costs and What It Controls
Closing a batch sends your sales for payment. The fee for doing it is set by your provider, not by Visa.
7 min read Fees & statementsThe Monthly Minimum Fee: Paying for Not Selling Enough
A charge that only shows up in your slowest months, which is why it is easy to miss when signing.
8 min read Fees & statementsWhat Is a PCI Non-Compliance Fee?
A PCI non-compliance fee is a charge your processor or acquiring bank adds when it has no record that you validated PCI DSS. Complete the SAQ and any scans it requires to stop it.
8 min read Fees & statementsHidden Processing Fees: A Line-by-Line Checklist
Most of them are in the agreement. The problem is that few merchants read the fee schedule before signing.
9 min read Fees & statementsEffective Rate: How to Calculate What You Really Pay
One number tells you what you are actually paying. It is not the rate on your contract.
9 min readEvery fee named, usually within 4 hours. Or call now and we quote you on the spot.
Everyone else in this industry says twenty-four hours. We say four — and if that is still too slow, pick up the phone and get your numbers while you are on the call. No contract, nothing to cancel, no pressure.