How Merchants Can Calculate Their Credit Card Processing Rates
Credit card processing fees can be confusing for many businesses. Understanding how to calculate your true processing rate is key to managing your costs…
PAYMENTS RESEARCH
Payments Research and Industry Data
Research and practical analysis on payment costs, merchant economics and the technology behind transactions.
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Research archive · Page 6
How a Payment Consultant Helps Enterprises Optimize Payments Infrastructure, Operations, & Costs
Payments may seem like a back-office function, but for enterprises, they can quietly eat into margins, frustrate customers, and bog down operations. Whether you’re…
How to Reduce Credit Card Payment Processing Fees in 2025
Credit card processing fees are a cost of doing business, but that doesn’t mean you can’t reduce them. In 2025, the average business pays…
Key Differences of Payments for Small Businesses vs. Enterprises
Payment processing is a major part of business operations, influencing cash flow, customer satisfaction, and overall efficiency. However, the methods and preferences for processing…
How Long Businesses Survive and Why They Fail
The journey of a business from inception to longevity is a brutal test of endurance. In the U.S.A., nearly 20% of new ventures don’t…
The Number of Businesses in the USA by Industry in 2025
As of March 2025, the United States maintains a diverse business landscape, with approximately 33.2 million businesses across various industries. This analysis covers the…
The Anatomy of a Credit Card Transaction
A credit card transaction is a process involving multiple entities, complex technology, and rigorous security protocols. It occurs in a matter of seconds but…
The Best Retail Payment System Setup
In retail, having an efficient and reliable payment system is key for business success. Retailers need solutions that are not only secure and flexible…
How One Small Business Saved $10,000 a Year on Payment Processing
For many small businesses, payment processing fees are a significant expense that eats into profits. Whether you run a retail store, an e-commerce business,…
Online Payments and the eCommerce Market in 2025
Ecommerce in 2025 is bigger and faster than ever. Global online sales are expected to hit $8.3 trillion, growing by more than 55% since…
POS System Statistics: The Most Popular Payment Tech for Merchants
If you’ve been shopping lately, you’ve probably noticed that cash registers are becoming a thing of the past. Today’s retailers are using sleek, digital…
Apple Pay and Other Digital Wallets Market Share in 2025
In 2025, digital wallets aren’t just a payment option — they’re the preferred way to pay for millions worldwide. More than 5.2 billion people…
Debit vs. Credit: Which Payment Method Do Consumers Prefer in 2025?
Consumers today have more payment options than ever, but debit and credit cards remain the most commonly used methods. As we move through 2025,…
Payment Processing for Small Businesses: What They Don’t Tell You
Many business owners don’t realize that payment processing is a little more complex than it seems. From hidden fees to chargeback risks, there’s a…
What is the Credit Card Business and Who Makes Money Off Them
The credit card industry is one of the most profitable and complex financial sectors in the world. Credit cards are used by billions of…
ERP Integration with Payment Systems
Enterprise Resource Planning (ERP) systems are the backbone of many organizations, streamlining operations, centralizing data, and improving decision-making. Integrating payment systems with ERPs has…
Modernizing Government Payment Systems for Efficiency and Trust
Government agencies face mounting pressure to provide efficient, secure, and accessible payment options for their services, agencies, and constituents. Old payment systems are more…
The Hidden Costs of Payment Processing No One Talks About
If you run a business, you’re aware of the basic fees for accepting credit card payments. You might even know that there’s something called…
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