Semi-Integrated Payment Terminals Explained
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…
PAYMENTS RESEARCH
Payments Research and Industry Data
Research and practical analysis on payment costs, merchant economics and the technology behind transactions.
Research archive · Page 3
What is Interac?
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…
How to Accept Interac and Debit Payments in Canada
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…
How Big is the ACH Network in the USA in 2025?
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…
What are Non-Qualified Rates in Payment Processing
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…
How Canadian Business Statistics Shape Payment Processing Needs in 2025
Canadian business data gives a clear picture of how merchants accept payments, what tools they need, and where payment processors can offer real value.…
How to Understand Merchant Payment Processing Statements
Understanding your payment processing statement is one of the easiest ways to reduce costs, spot issues, and keep your business running smoothly. Most merchants…
Card Brands vs Card Networks in Payment Processing
For most merchants, “Visa,” “Mastercard,” or “Amex” are just logos on a terminal screen. Behind those logos lies a comprehensive ecosystem of brands, networks,…
Average Payment Processing Fees by Card Type (Visa, Mastercard, Amex, Interac) in Canada 2025
Payment processing fees are one of the most overlooked expenses for businesses. For many retail, restaurant, and service merchants operating on thin margins, a…
Visa vs. Solana: Which Payment Rails Move Money Faster?
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…
What are PCI Non-Compliance Fees?
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…
How Much Are Payment Processing Fees in the USA in 2025?
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…
What PCI Compliance Means for Your Business (In Plain English)
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…
How to Handle Seasonal Spikes in Transaction Volume: A Merchant’s Guide
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…
The Future of Interchange Fees: 2026 and Beyond
Interchange fees make up a large share of the cost merchants pay to accept credit and debit cards. These fees are set by card…
What Is the Average Credit Card Acceptance Rate?
Every credit card transaction tells a story. A customer decides to buy, they tap or type in their card details, and the merchant waits…
What Visa’s Acquirer Monitoring Program (VAMP) Means for Your Business
If your business accepts Visa credit or debit cards, you’re part of a global payments ecosystem that depends on trust, security, and compliance. Visa’s…
Which Payment Methods Do Most Businesses Accept in 2025?
Consumers expect to pay instantly, securely, and however they prefer, whether it’s a tap, a phone, or even a crypto wallet. Across North America,…
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