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Credit Card Processing Rates: How Much Does It Cost to Process Payments in 2025?

Stax

This applies to both card present transactions and card-not-present transactions. Riskier transactions, such as online purchases where the card isnt physically present, often have higher fees. for card-present transactions, and 0.2% + $0.10 Following are the key entities involved in credit card processing.

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Merchant Underwriting: What It Is, How It Works, and Why It’s Important

Stax

The merchant underwriting process helps reduce fraud (including chargeback volume), ensures compliance with regulations, and protects financial stability in the payment processing space. Key steps include application review, risk assessment, credit checks, and compliance verification. Learn More What is Merchant Account Underwriting?

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Demystifying Credit Card Interchange Fees: What You Need to Know [2024 Rates and Updates]

Stax

Card-present transactions also incur lower rates compared to card-not-present transactions. The difference in these fees does vary significantly and is something the merchant has no control over or visibility into when the customer presents their card to pay. CPS/Card Not Present, Debit Exempt: 1.65% + $0.15

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What is Click to Pay and How Does It Work?

Stax

Step 2: Card recognition If there is a successful authentication, the checkout system will retrieve the customer’s stored card information and present the customer with a list of available card network options. Your testing should check for security compliance, technical performance, and mobile responsiveness. Request a Quote

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What You Should Know About Visa Surcharge Rules in 2024: A Guide for Merchants

Stax

Non-compliance can lead to hefty penalties and even suspension of their merchant accounts. Merchants should be aware of Visa’s surcharging rules as non-compliance can lead to fines ranging from $50,000 to $1 million. All this can be challenging, so it’s best to partner with a surcharging expert like CardX by Stax.

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How To Find the Best Credit Card Processor for Small Business in 2024

Stax

Stax, for example, charges 0% markups on top of interchange, giving you the lowest percentage per transaction rate. For example, Stax charges a flat monthly membership in exchange for a 0% markup rate, a transaction cost of just a few cents, and no ancillary fees.

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What is a Payment Gateway and How Does It Work?

Stax

Benefits of using a payment gateway include a simplified purchasing experience for customers, increased operational efficiency, and PCI compliance. Popular payment gateways include Authorize.net, Stax, Stripe, Adyen, and Square. Some of them also offer a merchant account (besides the payment gateway). What Is a Payment Gateway Account?