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The Blueswipe Blog

Notes on payments, fees, and getting paid.

Practical guides from the people who read processing statements for a living. No fluff, no jargon, just ways to keep more of what you earn.

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Two businessmen reviewing printed payment reports together at a desk with a tablet and a card terminal
Guides 5 min read

Interchange Plus Pricing, Explained in Plain English

Most business owners never chose their card pricing model. Here is what interchange plus pricing actually means, how it compares with flat rate and tiered pricing, and how to tell which one fits you.

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Pet owner with a curly-coated dog handing a card to a smiling receptionist at a veterinary clinic front desk
Guides 5 min read

Veterinary Payment Processing: A Calmer Checkout for Your Clinic

A vet checkout often means a large invoice, a worried owner, and a full waiting room. Here is what veterinary payment processing should handle, from deposits and wellness plans to payments from people who are not at the desk.

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Patient paying at a card terminal with a medical receptionist at a clinic front desk
Guides 6 min read

Medical Practice Payment Processing: Collecting the Balance After Insurance

The copay is the easy part. The balance left after insurance is where practices lose money. Here is what medical practice payment processing should do about that gap, and what to ask before you switch.

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A printed merchant processing statement on a desk beside a credit card, a pen, and a tablet showing payment reporting charts
Guides 6 min read

How to Read a Merchant Statement, Line by Line

Your processing statement is several pages of numbers that nobody ever explains. It only has a few moving parts. Here is how to find them, how to work out what you actually pay, and which lines are worth a question.

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Customer tapping a blue credit card on a countertop payment terminal held by a shop employee
Guides 6 min read

Dual Pricing Payment Processing: How It Works and Who It Fits

Dual pricing gets pitched as the fix for every card fee. It is a genuinely good option for some businesses and the wrong one for others. Here is what it is, what the rules require, and how to tell which group you are in.

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Dental practice treatment room with a clinician preparing for a patient visit
Guides 6 min read

Payment Processing for Dental Practices: What to Check Before You Switch

Dental payments are not retail payments. Here is what to look for in a processor, how your practice management integration and payment plans should work, and what switching actually involves.

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What we'll cover.

The topics on deck - written to actually save you money, not to fill a content calendar.

Reading your statement

How to find the junk fees, downgrades, and creeping rates hiding in a processing statement.

Staying PCI compliant

Plain-English guides to keeping card data secure without slowing your business down.

Integrations that pay off

Connecting your POS, ERP, and accounting tools so payments reconcile themselves.

Industry playbooks

Practical payment guides for healthcare, retail, restaurants, automotive, and more.

Cutting your effective rate

Where the real savings come from, and how to measure your true cost of acceptance.

Payments 101

Interchange, assessments, and markup explained without the industry jargon.

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