The Relyon perspective
A little knowledge.
A better next move.
Payments affect every business decision that follows. Get a clearer view with practical guides on costs, partnerships, technology, and the details that matter.
Start here / The essentials
Your statement has
a story to tell.
Learn to find your volume, understand the fees, and calculate what processing really costs.
How to read your merchant statement33 guides to explore
What Is Blended Pricing for Credit Card Processing
One rate on every card. Easy to sell, hard to audit, often a cousin of flat or a bundled tier.
Interchange-Plus vs Tiered Pricing
Tiered quotes a teaser qualified rate. IC+ shows cost plus a published markup. Ask which one your statement actually is.
Interchange-Plus vs Flat Rate: An Unbiased Comparison
Flat is simple and often expensive on debit-heavy mix. IC+ is itemized and needs a statement you can read.
Monthly Minimums on a Merchant Account
A minimum is a floor on processor revenue. Low-volume months pay it. Model it before you sign.
Seven Ways Statements Hide Processor Markup
Bundled rates, renamed pass-throughs, monthly extras, and mid-qualified traps. A field guide.
How to Spot a Processing Rate Increase Before It Hits
The notice box is where processors hide April and October changes. Recompute effective rate every month.
Card-Present vs Keyed vs eCommerce Fees
How the card is captured changes interchange. Keyed and card-not-present cost more because fraud risk is higher.
Why Rewards Cards Cost Merchants More
Interchange funds rewards. The merchant pays the issuing bank, not the 'free miles' marketing.
Qualified, Mid-Qualified, and Non-Qualified Rates
Tiered statements hide the downgrade. If most volume is non-qualified, the advertised rate was never yours.
Junk Fees on Merchant Statements: A Line-Item Audit
PCI, statements, voice auth, next-day, annual, 'regulatory'. Name each class and how to test if it is real work.
Batch Fees Explained: Daily Close vs Monthly Billing
A batch fee is usually tiny per close and expensive if you never close. Settlement cadence is the real design choice.
What Is a FANF Fee on a Merchant Statement
Visa's Fixed Acquirer Network Fee is a pass-through. Size depends on volume, outlets, and how you accept cards.
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