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 roughly 827 million cards in circulation, with approximately 82% of adults holding at least one credit card. The average U.S. cardholder carries nearly four cards,
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
Running a business today means dealing with payments. If you accept credit or debit cards, you’re part of a global system that depends on trust
For many merchants, sales don’t flow at a steady pace year-round. Instead, they surge during certain months, holidays, or promotional periods, whether it’s Black Friday,
Interchange fees make up a large share of the cost merchants pay to accept credit and debit cards. These fees are set by card networks
Every credit card transaction tells a story. A customer decides to buy, they tap or type in their card details, and the merchant waits for