Rates, Fees & Savings | Beyond the Swipe by MannyPay

Pricing Models

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Why Online and Keyed Transactions Cost More to Process

Card not present fees, explained with Visa's own rate table: what an online or keyed sale really costs, when debit doesn't change, and how to close the gap.

Oct 20, 20268 min read

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Interchange-Plus vs. Flat-Rate vs. Tiered Pricing: Which Is Right for You?

Compare interchange-plus vs. flat-rate pricing, plus tiered rates: how each model works, what it costs as you grow and how to find your effective rate.

Oct 19, 20265 min read

Statements & Effective Rate

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How to Calculate Credit Card Processing Fees on Any Sale

Learn how to calculate credit card processing fees for flat-rate, interchange-plus and tiered pricing, plus your true cost per sale to set better prices.

Oct 22, 20268 min read

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Non-Qualified Rates: How Tiered Pricing Downgrades Cost You

Learn how a non-qualified credit card rate gets triggered under tiered pricing, how to calculate what downgrades cost you, and how to stop overpaying.

Oct 21, 20269 min read

Hidden Fees

Black card payment terminal with a numeric keypad and small display resting on a wooden counter

High-Risk Merchant Account Fees: What's Normal vs. Gouging

Learn which high-risk merchant account fees are normal, how rolling reserves work, and the red flags that signal overpricing before you sign a contract.

Oct 23, 20269 min read

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Early Termination Fee on Your Merchant Account? How to Avoid Paying It

Facing an early termination fee on your merchant account? Learn how liquidated damages and auto-renewal work and how to get the fee waived or covered.

Oct 20, 20269 min read

Cash Discount & Surcharging

Barista at a coffee shop counter reading a printed receipt beside a POS terminal and receipt printer

Visa and Mastercard Surcharge Rules: Caps, Signs, Registration

Learn the Visa surcharge rules and Mastercard requirements that apply in every state: notice, caps, signage and receipts, and what to confirm first.

Oct 22, 20268 min read

Blonde woman holding a green wallet hands cash to a vendor at an outdoor market stall with bottles on the counter

Is a Cash Discount Program Worth It? Pros, Cons, Real Costs

Weighing a cash discount program? Compare fee savings with customer pushback, legal limits and contract terms to decide if it fits your business.

Oct 22, 20268 min read

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Cash Discount vs. Surcharge vs. Dual Pricing: Key Differences Explained

Cash discount vs surcharge vs dual pricing: learn how each program works at checkout, which disclosure rules apply and how to pick the right fit.

Oct 19, 20265 min read

Negotiating & Switching

Black-and-white desk with an open laptop, smartphone, and blank lined notebook with a pen, ready for comparing quotes

How to Compare Merchant Processing Quotes Side by Side

Learn how to compare credit card processing rates with a simple worksheet that turns every merchant services quote into one true monthly cost.

Oct 23, 20269 min read

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Why Did My Credit Card Processing Fees Go Up?

Credit card processing fees increased? Learn whether card mix, network changes, or a processor markup caused the jump and how to respond.

Oct 22, 20268 min read