Every rate on this site comes from one of three places: the vendor's own published pricing page, the vendor's own PDF rate card, or a named third-party dataset with a publication date. If a number cannot be cited to one of those, we do not publish it.
| Source | Used for |
|---|---|
| Visa USA Interchange Reimbursement Fees (usa.visa.com) | Interchange anchor on /interchange-fees-explained |
| Mastercard US Region Interchange Programs and Rates | Interchange anchor on /interchange-fees-explained |
| Federal Reserve Payments Study (federalreserve.gov) | US payments-mix benchmarks |
| ECB Payment Statistics (ecb.europa.eu) | European payments-mix benchmarks |
| Nilson Report (nilsonreport.com) | Card-volume and merchant-processing rankings |
| Stripe Help Center, Dispute Fees FAQ | 17 Jun 2025 two-tier dispute structure |
| Vendor public pricing pages (Stripe, PayPal, Square, Braintree, Helcim, Mollie, GoCardless, BlueSnap, Razorpay, Klarna, Amazon Pay, Apple Pay, Google Pay, Shopify, Clover, Wise, Authorize.net, Adyen) | All per-vendor rate cards |
Every page carries a "Last verified" date stamp. Default cadence is 90 days. When a vendor changes pricing materially (Stripe 17 June 2025 dispute restructure, AT&T June 2026 lineup, equivalent), the affected pages refresh out of cycle and the date stamp moves.
We do not infer rates. If a vendor does not publish a number on their own website (or in a downloadable PDF linked from their site), we flag them as Quote only on every page they appear and do not estimate a rate from secondary sources or industry estimates.
This produces the deliberately empty cells on the master rate table for Adyen, Worldpay, Checkout.com, NMI, Chase Payment Solutions, Elavon, Global Payments, Fiserv (First Data), Stax, Payment Depot, 2Checkout, and Afterpay (the last three on canonical-URL grounds).