Samuel Ward

US merchant accepting a Canadian credit card with cross-border currency conversion

Cross-Border Fees September 9, 2026 33 min read

What US Merchants Pay to Accept Canadian Credit Cards: Cross-Border Fees, ISA, and CAD Pricing Decisions

A Canadian customer taps a card at a U.S. restaurant, enters a Canadian-issued Visa on an American e-commerce site, or renews a SaaS subscription billed by a U.S. company. The payment may...

International order refund with cross-border fees and FX costs

Cross-Border Fees September 9, 2026 33 min read

Refunding an International Order? What Happens to the Cross-Border Fees, Interchange, and FX You Already Paid

A customer in another country returns a purchase, you issue a full card refund, and the order appears to be financially erased. Yet when the processor statement arrives, the original processing cost...

Merchant and customer sharing cross-border payment fees

Cross-Border Fees July 20, 2026 37 min read

Who Pays Cross-Border Fees: Merchants or Customers?

International payments can look simple at checkout. A customer enters a card number, approves the purchase, and receives an order confirmation. Behind that brief interaction, however, the payment may travel through an...

Cross-Border Payment July 20, 2026 40 min read

Cross-Border Payment Flow Explained Step-by-Step

A customer visiting an online store may enter card details, click “Pay,” and receive confirmation within seconds. From the customer’s perspective, the payment appears simple. Behind that checkout screen, however, payment information...

International Card Processing July 20, 2026 42 min read

International Credit Card Processing Costs Explained

Accepting card payments from international customers can help a business reach new markets, serve travelers, expand ecommerce sales, and build recurring revenue across different regions. However, international credit card payments may cost...

Cross-border card-not-present transaction fees illustration

Cross-Border Fees July 20, 2026 43 min read

Cross-Border Fees for Card-Not-Present Transactions

Cross-border fees for card-not-present transactions can influence the real profitability of an online sale long after a customer clicks the payment button. An ecommerce order may appear to be a routine card...

International Card Processing July 20, 2026 42 min read

International Card Authorization Costs

International sales can expand a business’s customer base, but they also add layers to the payment process that may be difficult to see at checkout. A customer enters card details, clicks the...

Network currency conversion fees illustration

International Card Processing July 20, 2026 45 min read

Network Currency Conversion Fees Explained

International card payments often appear simple. A customer selects a product, enters payment details, approves the purchase, and receives a confirmation. Behind that quick interaction, however, the transaction may move through several...

Multi-acquirer payment processing network

Payment Processing July 20, 2026 45 min read

Multi-Acquirer Payment Processing Explained

Online payment acceptance can appear simple from the customer’s perspective. A shopper enters card details, clicks a payment button, and receives an approval or decline message within seconds. Behind that experience, however,...

Illustration of payment networks calculating transaction costs with POS terminal, banking systems, digital payment flow, security icons, and transaction fee analytics

Payment Networks May 6, 2026 27 min read

How Payment Networks Calculate Transaction Costs

Every card or digital payment has a cost behind it. For merchants, those costs affect profit margins, pricing decisions, customer experience, and cash flow. A sale may look simple at checkout, but...

Samuel Ward

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