Merchants running outdated terminals often pay more than they realize. When a terminal cannot pass required data fields with a transaction, the card brand downgrades it to a higher-cost interchange category. Over time, these downgrades add up.
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We regularly review statements for merchants who want to understand whether their equipment is contributing to unnecessary processing costs. We also see merchants who have held onto older equipment for years because switching feels like a disruption. In practice, the setup is straightforward and most merchants are processing on new equipment within a few days of making the decision.