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    DUAL PRICING

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    What is dual pricing?

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    Complete dual pricing guide

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    Sample Dual Pricing Receipt

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    From Audit to Savings in 4 Steps

    FEE EDUCATION

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    What is an Effective Rate?

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    Flat Rate vs. IC-Plus vs. Tiered

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    Stripe vs. Square vs. Traditional

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  • NEWS
    • 📰 Processing Industry News
    • 📉 Rate Changes and Alerts
    • ⚖️ Regulation Updates
    • 💳 Card Network Announcements
  • FEE EXPLAINER
    • 📊 What is an Effective Rate?
    • ⚖️ Flat Rate vs. Interchange-Plus vs. Tiered
    • 🔍 How to Read Your Processing Statement
    • 💳 What is Dual Pricing?
    • 🧾 Sample Dual Pricing Receipt
  • COMPARE RATES
    • 📋 Processor Rate Comparison Table
    • 🏷️ Rates by Industry
    • 🆚 Stripe vs. Square vs. Traditional
    • 💳 Credit vs. Debit Card Fees
  • BY INDUSTRY
    • 🍽️ Restaurants & Food Service
    • 🛍️ Retail & Boutique
    • 🏥 Healthcare & Medical
    • 💻 E-Commerce
    • ⚖️ Professional Services
    • 💅 Beauty & Salons
    • 🏋️ Fitness & Wellness
    • 🦷 Dental Practices
  • TOOLS
    • 🧮 Am I Paying Too Much?
    • 💸 Dual Pricing Savings Estimator
    • 📉 Annual Fee Waste Calculator
    • 📄 Free Statement Audit
    • 🔍 Statement Decoder Guide
    • 🔁 Processor Switching Checklist
    • 🧾 Sample Receipt Viewer
  • BLOG
    • 💳 What is dual pricing?
    • 📘 Complete dual pricing guide
    • 🧾 Sample Dual Pricing Receipt
    • ✅ From Audit to Savings
    • 📊 What is an Effective Rate?
    • ⚖️ Flat Rate vs IC+
    • 🔍 How to Read Statement
    • 💵 Where Does $100 Go
    • 🔁 How to Switch
    • 📈 Rates by Industry
    • 🆚 Stripe vs Square
    • 💅 Processing for Beauty
    • 🏋️ Processing for Gyms
    • 🔁 How to Switch
Free Fee Audit

Brad Klimkowski

Brad leads marketing and growth at Pair Pay, exploring transparent pricing models and innovative payment strategies that help businesses lower costs and streamline payments.

visa and mastercard interchange rates
News

Visa and Mastercard Interchange Rates: A Merchant Guide for 2026

03/19/2026 Brad Klimkowski No comments yet

Visa and Mastercard publish interchange bulletins twice a year (April and October). Most processors bury these changes in addendum updates. Here’s what’s happened recently, in plain English.

from audit to savings
Payment Processing

From Audit to Savings in 4 Steps

03/19/2026 Brad Klimkowski No comments yet

What actually happens when you submit a PAIR statement review. No jargon, no surprises, just what to expect from start to finish.

Rates by Industry
Payment Processing

What Restaurants, Retailers, and Healthcare Practices Are Paying — And What’s Fair

03/18/2026 Brad Klimkowski No comments yet

Why industry matters for processing costs Processing costs aren’t uniform across all businesses. Your industry affects your effective rate in several important ways:

what is dual pricing credit card processing
Payment Processing

What is Dual Pricing Credit Card Processing

03/06/2026 Brad Klimkowski No comments yet

Credit card payments have become the standard for many businesses, but the convenience comes with a cost. Most merchants pay between 2.5% and 3.5% in credit card processing fees on every transaction.

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