finance
Interchange Fees Explained: Who Really Pays for Card Payments
What interchange fees are, who pays whom in the four-party model, why rates vary, what regulation changed, and how merchants realistically cut card costs.
What interchange fees are, who pays whom in the four-party model, why rates vary, what regulation changed, and how merchants realistically cut card costs.
Account-to-account payments let merchants pull funds straight from a bank account and skip card interchange. How pay by bank works and why it threatens cards.
Deep analysis across the systems, strategies, and economics that shape modern technology.
Premium Members Get: Exclusive deep-dive research · Architecture playbooks · Executive briefings · Full archive access