Nearly 90% of merchants ask the same first question when speaking with any payment provider: “What is your rate?” For merchants who are just starting to accept credit cards or local payment methods, a pricing model like “% + xx USD” is easy to understand—even without prior experience. However, the real costs you don’t see are often hidden beneath the surface.

Research shows that systematically analyzing payment data can help subscription-based businesses increase their payment authorization rates by an average of 7% to 10%. For large-scale transactions, this seemingly small improvement translates into significant revenue growth, highlighting the immense commercial value hidden within payment data.