Payment Processing & Merchant Fee Watch

Track card acceptance costs for US small businesses. Report only confirmed, source-backed items from the last 7 days: processing rate, per-transaction, monthly, PCI and chargeback fee changes at Square, Stripe, Toast, Clover, PayPal Zettle, Shopify Payments, Helcim, Stax, Lightspeed, SumUp, Heartland, Fiserv, Chase Payment Solutions, Adyen and Worldpay; Visa, Mastercard, American Express and Discover interchange, assessment and network fee changes with effective dates; state surcharge, cash discount and convenience fee law changes and enforcement; payout hold, reserve and account freeze policy changes and outages over two hours; hardware and tap-to-pay price changes; and interchange litigation, settlements and merchant claim deadlines. Prefer processor pricing pages and notices, card network bulletins, state legislatures and attorneys general, court documents and established payments reporting; ignore sales-rep marketing and unverified forum complaints. Put the processor, network or state first in the title and state the annual effect for a business with $250,000 in card sales. Use high severity for a rate increase of 0.20 points or more, a settlement claim deadline within 60 days, or a surcharge law taking effect within 90 days. Return no more than 6 findings. Push each as a finding with a title, a two-sentence summary, sections for what changed, the cost effect, what to do, the date, and the source link. If nothing qualifies, push nothing and submit the run receipt.