Resources

In-depth guides, glossaries, and comparisons to help you understand payment processing and reduce your costs.

Savings Calculator

Estimate how much you could save by switching to PaySec. Compare your current processor's rates to our interchange-plus and network offset pricing.

Tools

Interchange Rate Estimator

Estimate your interchange costs based on your MCC, volume, and card mix. See how interchange-plus pricing compares to flat-rate aggregators.

Tools

Chargeback Cost Calculator

Calculate the true cost of chargebacks — including lost merchandise, fees, operational costs, and the risk of hitting network monitoring thresholds.

Tools

Merchant Category Code (MCC) Lookup

Search 981 merchant category codes used by Visa, Mastercard, and payment networks. Find your MCC by code number or business description.

Reference

Payment Processing Fee Glossary

A comprehensive guide to every fee in payment processing — from interchange to assessment fees. Know exactly what you're paying and why.

Guides

How to Read Your Processing Statement

Learn how to decode your merchant processing statement, identify hidden fees, calculate your effective rate, and spot overcharges.

Compliance

PCI Compliance Checklist

A practical checklist covering all 12 PCI DSS requirements, SAQ types, and compliance deadlines. Avoid fines of up to $100K/month.

Compliance

Surcharging vs Network Offset by State

State-by-state guide to surcharging and network offset pricing legality. Know what's allowed in your state and stay compliant.

Guides

How to Choose a Payment Processor

Compare aggregators vs ISOs vs direct processors. 10 questions to ask, red flags to watch for, and how to evaluate pricing models.

Guides

Payment Processor vs. Aggregator

Dedicated merchant accounts vs. aggregated accounts (Stripe, Square, PayPal). Understand the trade-offs in cost, control, and risk.

Optimization

Commercial Enhanced Data (CEDP) Optimization

How Visa's Commercial Enhanced Data Program works, what changed from L2/L3, and how verified invoice-level data can reduce B2B interchange by up to 40%.

Compliance

Network Offset Pricing Explained

A clear guide to network offset pricing programs — how they work, where they're legal, and how they compare to surcharging.

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