What is Embedded Payments?
Embedded payments is about integrating payment processing capabilities directly into software applications, websites, and services to provide a seamless and customizable user experience. As…
PAYMENTS RESEARCH
Payments Research and Industry Data
Research and practical analysis on payment costs, merchant economics and the technology behind transactions.
Latest research
Research archive · Page 9
How to Win Chargeback Disputes
Winning chargeback disputes is important for merchants because chargebacks take time to deal with and lead to financial losses and increased processing fees. Here’s…
Chargeback Dispute Statistics for Merchants
Chargeback disputes represent a growing challenge for merchants and financial institutions. Originating as a consumer protection mechanism, chargebacks were designed to ensure customers could…
How Payment Gateway APIs Work and Code Examples
Any modern payment gateway has a robust set of APIs (Application Programming Interfaces), along with clear documentation. These APIs allow mobile apps, websites, software…
Network Tokenization vs PCI Tokenization in Payments
Security is a top priority in payment processing. Tokenization is widely used in payments, particularly with the growth of online payments. There are two…
The Number of Businesses in Canada and Statistics for 2024
In 2024, Canada has millions of businesses operating across the country. This article provides an overview of the number of businesses in Canada and…
The Number of Businesses in the USA and Statistics for 2024
In 2024, the United States continues to be a hub of business activity with millions of businesses operating across the country. This article is…
What is Tiered Pricing in Payment Processing
In payment processing, tiered pricing is one of the most common pricing models used for fees by payment processors. However, it is generally the…
What are Monthly Minimum Fees in Payment Processing
Fees and rates in payment processing are complex. There are hundreds of possible different types of fees. A “monthly minimum fee” comes up frequently…
An Overview of Hidden Fees in Payment Processing
I hate hidden fees. I hate a lack of transparency in any business dealings. However, hidden fees exist, especially in payment processing. These fees…
How Accepting Credit Cards Increases Sales for Merchants
There have been long debates on the pros and cons of credit cards in today’s society. Credit cards are double-edged swords. They offer convenience, rewards…
How Merchant Services Contracts Work in Payment Processing
Merchant services contracts for payment processing are complex. They are long and convoluted. Contracts are not standardized and there is no strict regulation on…
What is the Durbin Amendment for Payments in the USA?
The Durbin Amendment has reshaped the U.S. financial system since it began in 2010. Named after its chief advocate, Senator Richard Durbin, this legislative…
An Overview of the Payments Code of Conduct in Canada
The Payments Code of Conduct in Canada was created to bring fairness and transparency in the payment industry. It is structured into multiple sections…
A Review of Clearly Payments by CardRates.com
We are thrilled to be featured on CardRates.com! A big thank you to the CardRates team for their thoughtful review of our services and…
USA vs Canada Interchange Rate Comparison for Payments
Interchange rates are a cost for credit card transactions for merchants. Interchange is the revenue for credit card companies and issuing banks. Canada and…
Is Fintech Actually Surpassing Traditional Finance?
The financial services sector is at a pivotal juncture. The emergence of financial technology (FinTech) companies has sparked debate and some contention, particularly with…
How Long Does it Take to Receive Funds From Credit Card Transactions?
Credit card transactions make up 40% of retail transactions and 56% of the total value of goods and services purchased. However, one question that…
Looking up a payment term? Explore the Payment Glossary or the Resources library.