PROCESSING COSTS
Credit card processing fee calculator
Estimate monthly fees, effective rate and annual processing costs.
Open fee calculatorNMS.ioTHE MERCHANT’S PERSPECTIVE
NUMUS RESOURCESPayment processing insights.
Payment processing insights.
For your next move.
Practical knowledge for the business behind the payments. Explore merchant accounts, underwriting, costs and customer experience.
START HERE · MERCHANT ACCOUNTSMerchant accounts.
Merchant accounts.
Start with
the essentials.
Understand the relationship behind card payments, use the business decision map and prepare the questions that matter.
Read the merchant account guideFor your next processing decision.
Worksheets, examples, and practical guides.UNDERSTAND YOUR COSTS
Read your merchant processing statement.
An annotated example that connects sales, fees, reserves, and deposits.
PLAN YOUR NEXT MOVE
Switch processors with a practical checklist.
Confirm equipment, saved-payment handling, testing, and cutover responsibilities.
COACHING & EDUCATION
Prepare your coaching merchant account.
Connect payment dates to delivery and build a clear application story.
Explore the guides.
Guides for better payment decisions.CREDIT & APPLICATION PREPARATION
How to get a merchant account with bad credit.
Prepare your business story, clarify credit inquiries and compare account terms—with a printable provider worksheet.
PAYMENTS RESEARCH
The cost of getting paid.
35 sourced statistics, fee facts and cost examples, with six original charts and an editable workbook.
GETTING APPROVED
Your merchant account application, without the guesswork.
The documents, website details and business information to gather before you apply.
COSTS & RESERVES
Rolling reserves: what they mean for your cash flow.
Understand how withholding and release schedules work before you accept an offer.
CHOOSING A PROCESSOR
Merchant account or payment facilitator? Know the difference.
A practical comparison of onboarding, account terms, integration and support.
DISPUTES & CHARGEBACKS
Why customers don’t recognize a card charge
Help customers recognize their purchases with clearer billing names, receipts, and support details.
FREE PAYMENT TOOLS
Get clear on your next step.
Explore processing costs, plan for reserves and prepare for your account review.
RESERVES & CASH FLOW
Rolling reserve simulator
Forecast held funds, release dates and cash available before fees.
Open reserve simulatorACCOUNT PREPARATION
Merchant account readiness checker
Build a practical checklist of business details and records for your next account review.
Check your readinessEXPLORE BY TOPIC
One place. Every payment question.
Start with an overview, then go deeper. New guides are coming soon.
01Payment processing
- Credit card processing and merchant services
- Authorization, capture, settlement and payoutComing soon
- Help customers recognize a card charge
- Who does what: processor, acquiring bank, ISO and gatewayComing soon
- Card-present and card-not-present paymentsComing soon
- ACH payment processing for nonprofits
- Same-day funding credit card processing: fees, cutoffs and timing
- ACH and credit card processing: fees, timing and payment mix
- Small Business Credit Card Processing: Fees, Options & How to Choose
- Credit Card Processing for Medical Offices: Fees & Patient Payments
02Merchant accounts
- Merchant accounts: what they are and how to get started
- Merchant account application checklist
- Merchant account or payment facilitator?
- Merchant account preparation for a new business without processing history
- What happens during a merchant account review?
- How to get a merchant account with bad credit
- ACH merchant accounts: fees, requirements and providers
- Instant approval merchant account: read beyond the yes
03High-risk processing
- High-risk merchant accounts
- Rolling reserves explained
- After a merchant account application is declined
- Questions to ask about an unexpected payout delay
- Chargeback ratios: check the calculation before comparing
- High-risk ACH processing: fees, requirements and returns
- High-volume payment processing: fees, limits and scaling
- Merchant account for credit repair: provider fit, fees and billing rules
- MATCH List Merchant Account: Options After a Processing Closure
- Peptide Payment Processing for Research-Only Businesses
04Processing fees
- Credit card processing fees and costs
- How to read a merchant processing statement
- Compare processing quotes on the same sales mix
- Interchange-plus, flat-rate and tiered pricing structures
- Merchant agreement questions beyond the headline rate
- Payment processing statistics, fees and cost examples
- Level 3 credit card processing: requirements, data and costs
- 7 payment processing secrets that can quietly drain your profits
05Payment gateways
- Payment gateways: roles, choices and setup questionsComing soon
- Payment gateway compatibility checklistComing soon
- Hosted checkout, payment links and embedded payment formsComing soon
- Payment gateway testing before a setup change goes liveComing soon
- Gateway errors and declines: collect the right evidenceComing soon
06Retail & ecommerce
- Retail and ecommerce payment processing
- In-store and online payments: a setup fit checklistComing soon
- When a retail store starts accepting orders onlineComing soon
- Virtual terminal staff access and manual-payment workflowComing soon
- Questions before accepting international card salesComing soon
- Convenience store payment processing: fees and POS compatibility
- Food Truck Credit Card Processing: Fees, Card Readers & Getting Paid
- Ecommerce Merchant Account: Fees, Approval & Scaling Payments
07Subscriptions
08Supplements
09Coaching & courses
10Switching processors
- Switching payment processors: the migration plan
- Moving saved payment methods: questions for both providersComing soon
- Reconcile payments across two processors during a switchComing soon
- Close out an old merchant account after switchingComing soon
- Move subscription billing without losing track of renewal ownershipComing soon
11Travel & hospitality
12Contractors & construction
13Dental practices
Useful answers. Visible sources.
NUMUS Resources distinguishes general payment concepts from the terms of your specific account. Sources and assumptions are included so you can check the details. Your written agreement and underwriting decision determine your actual terms.
Read our editorial approach ↗YOUR NEXT STEP IN PAYMENTSLet’s find your way
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