Logan Parker

Merchant reviews a processor rate increase and contract cancellation window

September 26, 2026 21 min read

Your Processor Raised Rates Mid-Contract: The Notice Window That Lets You Exit Without an ETF

A processor rate increase can sometimes let you cancel without an early termination fee when the merchant agreement gives you a right to reject the pricing amendment. The window is contractual, not...

Virtual terminal keyed transaction interchange qualification workflow

Rates September 26, 2026 20 min read

Virtual Terminal Settings That Qualify Keyed Transactions for Lower Interchange

The best keyed transaction lower interchange settings are not one magic checkbox. Better card-not-present qualification generally comes from accurate address data, valid enhanced commercial-card data, correct transaction and stored-credential indicators, proper authorization,...

March 24, 2026 11 min read

Visa APF, Mastercard NABU, and Other Pass-Through Fees: Which Line Items Are Negotiable?

Most merchants never realize they may be paying more than necessary for credit card processing simply because they do not fully understand their statements. Payment processing fees are often presented in complex...

January 30, 2026 9 min read

When to Renegotiate Your Payment Processing Rates

As your company expands, your payment handling requirements might evolve, and similarly, the charges can change. Continuing with the previous conditions might result in paying more than necessary without being aware of...

Payment Processing September 8, 2025 11 min read

Tiered, Flat, and Interchange-Plus Pricing Models Compared for 2025

The various pricing models that processors offer are at the heart of the confusion surrounding one of the most important yet perplexing parts of managing a business: processing payments. Although interchange-plus, flat,...

July 17, 2025 8 min read

How to Avoid Bait-and-Switch Pricing in Payment Processing?

For many small businesses, picking a payment processor begins with comparing fees. You’ll frequently come across attractive-sounding offers: “just 1.5 percent per transaction” or “no monthly cost.” These low advertised rates are...