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The Fojo Brief

Practical guidance on payments, smarter business, agent opportunities, and the intersection of law, AI, and business.

A business owner tapping a credit card on a countertop payment terminal

A business owner tapping a credit card on a countertop payment terminal

Interchange-Plus, Tiered, or Flat-Rate: Which Pricing Model Is Quietly Costing You

Almost every complaint I hear about processing costs traces back to one thing the owner never understood: how their pricing is structured. There are three models — interchange-plus, tiered, and flat-rate — and the one you're on decides how much room your processor has to profit at your expense.

Robert Fojo

May 132 min read

A magnifying glass over a credit card processing merchant statement

A magnifying glass over a credit card processing merchant statement

How to Read Your Merchant Statement (and Find What You’re Overpaying)

Most business owners have never actually read their merchant statement — these documents are built to be unreadable. After 17 years reading contracts for a living, here's how I cut through the acronyms and junk fees to find the one number that tells you what you're really paying.

Robert Fojo

May 62 min read

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