Guides pratiques & articles
Ressources avancées, tutoriels techniques et stratégies de paiement pour développeurs, directeurs financiers et responsables e-commerce.
What is Open Banking and Account-to-Account (A2A) Payments?
Discover how Open Banking (A2A) payments and the PSD2 directive are eliminating expensive credit card fees in the B2B and B2C e-commerce world.
What is the Acquiring Markup and how to negotiate it?
The only negotiable fee on POS and e-commerce payments is the Acquiring Markup. Discover what it is, how gateways hide their margins, and how to lower it.
Bank POS vs Gateway 2026: Fee Comparison Table
Bank: €120-150 on €10k/month, account lock-in. Gateway: €50-80, any IBAN. Table of differences and when to switch.
How to Calculate Payment Gateway Fees: IC++ Guide
Learn how to calculate digital payment commission fees. A complete guide on Interchange Fees, Scheme Fees, and Acquiring Markups (IC++ pricing model).
How to Manage Credit Card Chargebacks & Disputes in E-commerce
A complete guide to preventing, managing, and winning credit card chargebacks. Discover their impact on your merchant account and defense strategies.
E-commerce Payment API Integration Guide
Learn how to integrate a payment gateway via RESTful APIs. Best practices for PCI-DSS security, webhook management, and checkout optimization.
FX Currency Conversion Costs in International Payments
Selling abroad? Discover the hidden FX (foreign exchange) fees applied by payment gateways and learn how to neutralize them through Like-for-Like settlement.
How to Choose the Best Android Smart POS for your Store
Compare the advantages of Android Smart POS terminals against legacy bank card readers. Discover how integrating cash register software boosts profits.
Mastercard Interchange Fees Europe 2026: Full Debit, Credit & Commercial Rates Table
Mastercard interchange fees in EU: 0.20% debit, 0.30% credit (IFR cap). Updated table with Consumer, Commercial, Intra-EEA and Extra-EEA rates. Check Mastercard fees for Italy and Europe.
POS Costs 2026: Fees and Commission Table
Fee €15-40 vs €0. Blended 1.2% vs IC++ 0.45%. Full table of bank vs gateway POS costs. How to avoid hidden charges.
POS Rent vs Buy 2026: Cost Table and Break-even
Rental €25/mo = €1,500 over 5 years. Purchase €500 = one-time. Break-even 40 months. Comparison table and when to buy your POS.
POS for Restaurants 2026: Ordering, KDS, Split Bill | Guide
4 essential features: digital ordering, Kitchen Display, split bill, table-side payment. Table and guide to choosing a restaurant POS.
POS Settlement Times 2026: D+1, D+2, D+3 | Table
Transact Monday: D+1=Tuesday, D+2=Wednesday. RoxPay settles in D+1. Table of times for banks vs gateways. Plan your liquidity.
Managing Recurring Payments & Subscriptions: Cards vs Bank Debits
Learn how to structure recurring payments for your SaaS or e-commerce. A deep dive linking SEPA Direct Debit (SDD) vs Credit Cards to reduce your churn rate.
Scheme Fees Explained: The Hidden Network Costs of Credit Cards
What are Scheme Fees (Skim Fees)? Learn about the costs associated with credit card networks like Visa and Mastercard, how they are calculated, and why they matter.
Visa Interchange Fees Europe 2026: Full Debit, Credit & Commercial Rates Table
Visa interchange fees in EU: 0.20% debit, 0.30% credit (IFR cap). Updated table with Consumer, Commercial, Intra-EEA and Extra-EEA rates. Check Visa fees for Italy and Europe.
What are Interchange Fees & How do they affect your business?
Discover the meaning of Interchange Fees, who collects them, how European regulations (PSD2/MIF) cap them, and why they impact your online and POS acceptance costs.