Priority 1
Statements
Learn how to read merchant processing statements, spot fee sections, calculate effective rate, and find hidden costs. Guides for owners, agents, and ISOs.
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Topical authority
Twenty-five hubs covering statements, fees, networks, risk, contracts, industries, and product help. Guides publish on a rolling schedule—start with priority hubs.
Priority 1
Learn how to read merchant processing statements, spot fee sections, calculate effective rate, and find hidden costs. Guides for owners, agents, and ISOs.
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Priority 1
Interchange-plus, tiered, flat-rate, and other merchant processing pricing models explained—plus how fees show up as effective rate.
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Priority 1
How credit card processing works: participants, four-party model, card-present vs CNP, and the ecosystem behind every merchant statement.
Open hub →Priority 2
Understand interchange, assessments, and brand fees—and how they appear separately from processor markup on merchant statements.
Open hub →Priority 2
Merchant accounts, underwriting, approvals, and how accounts differ from payment facilitators, gateways, and processors.
Open hub →Priority 2
From authorization to deposit: funding timelines, reconciliation, and how lifecycle events appear on merchant statements.
Open hub →Priority 2
PCI DSS, non-compliance fees, and payment security costs—how program fees appear on merchant statements and what they mean.
Open hub →Priority 2
Education on processors and MSPs—how they price, statement patterns, and how our processor guides fit into fee analysis.
Open hub →Priority 3
Chargebacks, retrievals, refunds, and representment—costs, process, and how disputes appear on merchant statements.
Open hub →Priority 3
Early termination fees, auto-renewals, switching processors, and rate negotiation using statement evidence.
Open hub →Priority 3
POS systems and terminals affect fees, card mix, and how charges appear on merchant statements.
Open hub →Priority 3
How agents, ISOs, PayFacs, and ISVs fit into merchant processing—and how partners use statement analysis in the field.
Open hub →Priority 3
Checklists and methodologies for effective rate, fee review, and statement analysis—paired with live scanning in the product.
Open hub →Priority 3
Helpful product-oriented guides connecting Merchant Statement Scanner features, audiences, and getting started paths.
Open hub →Priority 4
Payment gateways, APIs, and integration fees—and how gateway charges appear alongside processing on statements.
Open hub →Priority 4
Cards, ACH, wallets, and acceptance channels—and how method mix changes merchant processing cost.
Open hub →Priority 4
Online and omnichannel processing costs, recurring billing, and how ecommerce fees appear on merchant statements.
Open hub →Priority 4
Fraud tools, risk programs, and how risk-related fees and reserves appear on merchant processing statements.
Open hub →Priority 4
Merchant processing considerations by industry—restaurants, retail, healthcare, and more—and how industry mix affects fees.
Open hub →Priority 4
Side-by-side comparisons of pricing models, account types, and alternatives—use with statement scans for evidence.
Open hub →Priority 5
Regulatory and tax context for merchant processing, including surcharging and cash-discount programs—educational, not legal advice.
Open hub →Priority 5
High-risk merchant accounts, reserves, rolling reserves, and fee structures common in elevated-risk verticals.
Open hub →Priority 5
Cross-border and multi-currency merchant processing costs and how international fees appear on statements.
Open hub →Priority 5
Definitions for merchant processing terms—interchange, MID, batch fee, effective rate, and more—linked to deeper guides.
Open hub →Priority 5
Research and benchmark content for merchant processing—built to include first-party, anonymized insights over time.
Open hub →Education is useful. Numbers from your PDF are better.