Maintained to reflect market changes, statistics, network rules, pricing structures, and prevailing cost dynamics.
Credit card payments may feel instantaneous to your customers, but behind the scenes there’s a multi-step process that determines when you actually get paid. Most merchants see funds arrive in their accounts within 1–3 business days after a transaction, but that timeframe isn’t random, it’s rooted in how payment systems
Cash usage in the United States is shrinking, but the story is more nuanced than “cash is dead.” While digital payments dominate everyday spending, cash
Signature debit sits in a confusing middle ground between debit and credit. For merchants, it looks like a card payment, settles like a credit card
Payment processing is often discussed at the checkout level, cards, terminals, and authorization speed. Behind the scenes, however, processors spend far more time dealing with
Credit cards dominate consumer spending in North America. In the United States in early 2026, there are about 642 million active credit card accounts and
Payment processing fees are one of the few operating costs that scale directly with revenue. In Canada in 2026, as card usage continues to dominate
B2B payments remain one of the largest and least consumerized segments of global commerce, but the data in 2026 shows steady, measurable change. Trade credit
Checks feel like a legacy payment method, but they continue to move enormous amounts of money in 2026. While check usage volume keeps declining, check
Credit cards are one of the most common ways Canadians pay for everyday purchases, from coffee shops to enterprise SaaS subscriptions. For merchants, credit card
Choosing a payment processor is a long-term decision for most businesses. Pricing, contract terms, reliability, and support all matter, especially as transaction volumes grow. Moneris
Accepting card payments in person should not force software vendors (SaaS, etc) and merchants to take on unnecessary security risk or compliance work. Semi-integrated payment
If you are a merchant doing business in Canada, there is one word you will hear more than any other: Interac. For U.S.-based businesses expanding
Accepting Interac and debit payments has become a core part of doing business in Canada. More than 75% of in-person transactions in the country use
The U.S. ACH Network has become one of the largest and most reliable electronic payment systems in the world. While credit cards tend to dominate
Non-qualified rates are one of the most confusing fees in the payment industry because they often appear on statements without a clear explanation. These charges
Canadian business data gives a clear picture of how merchants accept payments, what tools they need, and where payment processors can offer real value. With
Understanding your payment processing statement is one of the easiest ways to reduce costs, spot issues, and keep your business running smoothly. Most merchants only
For most merchants, “Visa,” “Mastercard,” or “Amex” are just logos on a terminal screen. Behind those logos lies a comprehensive ecosystem of brands, networks, banks,
Payment processing fees are one of the most overlooked expenses for businesses. For many retail, restaurant, and service merchants operating on thin margins, a small
When you tap your card at a coffee shop or send crypto across the world, you’re using two very different payment systems. One is built
When your business accepts credit or debit cards, adhering to the PCI DSS (“Payment Card Industry Data Security Standard”) is non-negotiable. Failure to validate compliance
Accepting credit cards, debit cards, and digital wallets is table stakes now. In the United States, more than 80 percent of in-store transactions and essentially