Guides from DFW Pay Pros.
Enter two numbers from your merchant statement and see your real effective rate, how it compares to your industry, and what a fair rate would cost instead. Nothing is saved or sent anywhere.
Charity interchange programs only help if your processor boards and registers you correctly. Here's the math on small gifts, donor-covered fees, recurring giving, ACH and card testing.
Read the guideHow Fort Worth businesses can work out their real card processing rate, why seasonal and event volume triggers holds and reserves, and how Texas cash discount and surcharge rules apply.
Read the guideHow to work out what your Dallas business really pays for card processing, where restaurants, retail, service and B2B accounts get caught, Texas cash discount rules, and the lease pitch to avoid.
Read the guideThe documents a merchant application asks for, what underwriters check from the MATCH list to your high ticket, and why guessing low on volume gets your deposits held later.
Read the guideA flat ETF costs a few hundred dollars. A liquidated damages clause bills you for every month left on the term. How to tell which you signed, beat the auto-renewal window and cancel cleanly.
Read the guideTotal fees divided by total card volume, with every monthly, PCI and annual fee included. A worked statement example, what a good rate depends on, and the traps that make the number lie.
Read the guideYour processor, not Visa, decides which tier each sale lands in. How the three buckets work, why rewards and keyed cards go non-qual, and the same month priced on tiered vs interchange-plus.
Read the guideInterchange plus pricing passes card costs through and adds a markup in basis points and cents. A worked month against flat and tiered, and where processors hide extra margin.
Read the guideA processor that nets fees from a retainer deposit is taking client money out of your IOLTA account. How to wire trust and operating accounts, refund unearned fees, and handle chargebacks.
Read the guideVet bills land on one card, often a rewards card, with no insurer paying first. How DFW clinics should price processing, take surgery deposits, handle pet financing and win emergency chargebacks.
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