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Includes Summary 14 min read

Demystifying Payments Pricing: What You’re Really Paying For

Payment processing fees can feel like a mystery. Every month, merchants receive statements full of percentages, transaction fees, and cryptic line items. It’s not always clear what you’re actually paying for – or whether those costs are fair. This article breaks down the components of payment pricing (interchange, assessments, markups, etc.) and explains common pricing models like pass-through vs. tiered pricing. Armed with this knowledge, you’ll be able to identify where your money is going and find opportunities to reduce costs.

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