Plain-English breakdowns of fees, pricing models, and industry practices so you can make smarter decisions for your business.
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Fees & Interchange Debit Routing Is the Part of Every Debit Transaction Your Processor Controls and You Almost Never See. Every debit card transaction in the United States has at least two possible networks that can carry it. Visa and Mastercard each run a signature debit network. Behind them sit the PIN debit networks — […]
Read Article →Industry Insights Equipment Lease Payment Processing Outlived Diego’s Software by Eighteen Months. The Bill Still Comes. Diego Salazar runs Salazar Auto Care on a side street off Speedway Boulevard in Tucson, Arizona. Three bays, two ASE-certified techs, a waiting room with a coffee pot that actually gets refilled. The kind of independent shop people drive […]
Read Article →Industry Insights The Embedded Payments SaaS Narrative Is Half Right and Half Wrong The current story about embedded payments SaaS and the broader software industry goes like this. AI is eating seat-based pricing. Agents replace seat-licensed users. Consumption pricing replaces flat subscriptions. The traditional SaaS revenue model — pay per user per month, expand seats […]
Read Article →Industry Insights Marguerite Has 41% Premium Card Volume. The Settlement Says She Can Decline It. Should She? Marguerite Devereaux runs a third-generation fine jewelry boutique on King Street in Charleston, South Carolina. The shop is the kind of place where a Saturday afternoon transaction can be a $180 silver bangle for a tourist or a […]
Read Article →A Driveway in Brentwood Casey Spent Four Years Paying for a $4 Cell Plan The wireless terminal fee on Casey Lindgren’s monthly merchant statement read $19.95 — every month, for four years. Casey runs a mobile pet grooming van out of a strip mall in Brentwood, Tennessee. Eight to ten dogs a day, residential driveways, […]
Read Article →A December Surprise Lena Found the Charge on a Tuesday Night Marco and Lena Reyes opened their café three years ago on a quiet block in East Nashville. Marco runs the floor. Lena runs the books. Every Tuesday after close, she sits at the back two-top with a glass of wine and reconciles the week […]
Read Article →Fees & Interchange Why Your B2B Clients Shouldn’t Pay By Credit Card. And Why a Growing Number of Them Won’t. On a $10,000 B2B invoice, credit card processing costs the merchant $250 to $350 in fees. ACH costs $50 to $100. That’s a $200 to $300 gap. Per invoice. Every invoice. On a B2B operation […]
Read Article →Fees & Interchange 34% of Small Businesses Now Surcharge. The Question Isn’t Whether You Should — It’s Whether You Can Afford Not To. Small business surcharge adoption in the United States has tripled in twenty-four months. Six years ago, almost no small business in the United States passed credit card processing costs to the customer. […]
Read Article →Industry Insights Dr. Mira Adair Picked Open Dental Specifically to Avoid Captive Payments. She Was Still Paying a Captive-Payments Rate. The fastest way to reduce Open Dental payment processing fees has almost nothing to do with the software itself. It has to do with which payment partner you signed up with the day the practice […]
Read Article →Industry Insights Dentrix runs the practice. Dentrix Pay runs the cost of accepting payments — and as Dr. Lin’s average case value climbed from $400 to $1,800, his processing bill scaled faster than his revenue. Here’s how to reduce Dentrix payments fees without giving up the software your team built around. Dr. Lin took over […]
Read Article →Industry Insights Dental practice management software is sticky for good reason — switching costs are real and the workflow integration matters. But Eaglesoft Payments costs Dr. Reyes 1.1% more than her merchant account would have. Here’s the math, and how to reduce Eaglesoft payments fees without leaving the software your team trained on. Dr. Reyes […]
Read Article →Industry Insights Dr. Holloway Was Paying CT Payments 3.34%. The Higher His Care Plans Got, the More It Cost. The search to reduce CT Payments fees usually starts the same way for chiropractors on ChiroTouch — not with a statement audit, but with a sale. A patient walks out the door having paid eighteen hundred […]
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