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Fees and interchange

What processing really costs, and where the money goes.

All Payments 101 Fees and interchange Declines and diagnostics Fraud and disputes Compliance Subscriptions and billing Store operations

04 Sep 2026
Fees and interchange
How interchange works, and why your effective rate is never the quoted rate
Interchange, network assessments and processor margin make up every card fee. Learn how to calculate your effective rate and which parts of it you can lower.
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