Learn
Know exactly what you're paying for.
The payments industry profits from confusion. These guides are the opposite: plain English, real numbers, written for owners.
Pricing
Flat Rate vs. Tiered vs. Interchange-Plus Pricing
Flat rate vs. tiered vs. interchange-plus: how each credit card pricing model works, who each one suits, a side-by-side table, and how tiered buckets hide markup.
Read · 7 min PricingInterchange-Plus Pricing Explained, With Real Numbers
Interchange-plus pricing explained: what interchange, assessments and markup are, a worked $40,000-a-month example, and why markup is the part you can negotiate.
Read · 8 minFees & Rates
What Is a Good Effective Rate for Card Processing?
What is a good effective rate for credit card processing? How to calculate yours, why it swings with card mix and ticket size, and why comparing it misleads.
Read · 6 min Fees & RatesCredit Card Processing Fees Explained (2026 Guide)
Credit card processing fees explained in plain dollars: interchange, assessments, markup, and three pricing models compared on a $30,000-a-month business.
Read · 6 min Fees & RatesHidden Credit Card Processing Fees: The Full List
Hidden credit card processing fees cost owners hundreds a year. Here is the junk fee list with typical ranges, plus the ETF and lease traps to avoid.
Read · 6 min Fees & RatesHow to Read a Merchant Statement, Line by Line
How to read a merchant statement section by section, find your true effective rate in two numbers, and spot the red flags processors hope you never notice.
Read · 6 min Fees & RatesVisa Mastercard Settlement 2026: What Merchants Need
Visa Mastercard settlement 2026, as of Sept. 30: what the deal would change, why none of it is in force yet, and what it means for the interchange you pay.
Read · 6 minB2B & Level 3
Visa Commercial Enhanced Data Program (CEDP)
Visa Commercial Enhanced Data Program explained for B2B sellers: the 2025–2026 timeline, what invoice-quality Level 3 data means, and what to do now.
Read · 6 min B2B & Level 3What Is Level 3 Processing? A Guide for B2B Sellers
What is Level 3 processing? Level 1, 2 and 3 card data explained, which business cards qualify, the fields you send, rate differences, and avoiding downgrades.
Read · 7 minYour quote
See all the math. Free, in 24 hours.
Apply online and upload a statement from any processor. We'll show you every line of your bill next to what it would be with Mojo Payments. No contract, no pressure, and if we can't save you money we'll say so.