{
  "schema_version": "1.0.0",
  "title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH",
  "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
  "published": "2026-09-12",
  "modified": "2026-09-12",
  "accessed": "2026-09-12",
  "language": "en",
  "scope": "Selected U.S. standard processing rates for domestic online card and ACH payments; not merchant invoices or negotiated contracts",
  "geography": "United States; USD",
  "observation_period": "Public pricing checked September 12, 2026",
  "editorial_owner": "Workspace369 editorial team",
  "review_cadence": "Review monthly and whenever a provider announces a pricing change. Recalculate examples after updating verified inputs.",
  "attribution": "Reported observations belong to the original producers. Workspace369 is responsible for the compilation and explicitly labeled calculations, not an original survey.",
  "methodology": [
    "We read each provider’s original U.S. pricing page on September 12, 2026 and selected the exact product and plan named in the input table. Prices can change; check the source before purchasing or charging a client.",
    "Scenario fees apply the percentage rate plus any listed fixed fee, then the stated minimum or cap, and round to cents. Effective rates use the rounded fee. Monthly calculator totals multiply that per-payment fee by the user’s count of equally sized payments.",
    "Unlisted minima, fixed charges or caps are not invented. The model treats a missing fixed charge as zero and applies no unlisted cap or minimum; the table labels these as not listed rather than source-reported zeros.",
    "This is an original, reproducible Workspace369 comparison based on provider inputs, not a payment-industry survey. The number of modeled examples is not a sample size."
  ],
  "limitations": [
    "Published list prices may differ from an account’s actual contract, eligibility or available methods. No provider recommendation or expected business saving is claimed.",
    "Stripe Invoicing fees and optional instant bank verification are not part of the Stripe Payments processing figures. Square paid plans and API prices are excluded. PayPal Checkout and Pay Later are excluded.",
    "The calculator accepts payments from USD 1 to USD 1,000,000 for arithmetic illustration, not as a statement of processor transaction limits. All payments are assumed successful, domestic and in USD."
  ],
  "sources": [
    {
      "id": "stripe",
      "publisher": "Stripe",
      "title": "Standard Payments pricing: domestic online cards and ACH Direct Debit",
      "url": "https://stripe.com/pricing",
      "publicationDate": null,
      "accessed": "2026-09-12",
      "primarySource": true,
      "license": "Public vendor price facts; trademarks and original page content belong to the provider. No affiliation or endorsement."
    },
    {
      "id": "square",
      "publisher": "Square",
      "title": "Square Free: online cards and ACH bank transfers via invoice",
      "url": "https://squareup.com/us/en/payments/our-fees",
      "publicationDate": null,
      "accessed": "2026-09-12",
      "primarySource": true,
      "license": "Public vendor price facts; trademarks and original page content belong to the provider. No affiliation or endorsement."
    },
    {
      "id": "paypal",
      "publisher": "PayPal",
      "title": "U.S. merchant fees: Invoicing Transaction Rates and USD fixed fee",
      "url": "https://www.paypal.com/us/business/paypal-business-fees",
      "publicationDate": null,
      "accessed": "2026-09-12",
      "primarySource": true,
      "license": "Public vendor price facts; trademarks and original page content belong to the provider. No affiliation or endorsement."
    }
  ],
  "statistics": [
    {
      "stat_id": "stripe-card-rate",
      "claim": "Stripe Payments · online card: percentage processing fee: 2.9% (Public pricing checked September 12, 2026).",
      "value": 2.9,
      "unit": "percent",
      "population": "Selected U.S. standard processing rates for domestic online card and ACH payments; not merchant invoices or negotiated contracts",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Stripe",
      "source_title": "Standard Payments pricing: domestic online cards and ACH Direct Debit",
      "source_url": "https://stripe.com/pricing",
      "source_locator": "Payments / Cards and wallets / 2.9% + 30¢ for domestic cards",
      "publication_date": null,
      "accessed_date": "2026-09-12",
      "primary_source": true,
      "method_notes": "Reported by the original producer; not a Workspace369 survey.",
      "license_notes": "Public vendor price facts; trademarks and original page content belong to the provider. No affiliation or endorsement.",
      "status": "verified",
      "kind": "reported",
      "formula": null,
      "input_stat_ids": [],
      "input_source_urls": [],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#stripe-card-rate"
    },
    {
      "stat_id": "stripe-card-fixed",
      "claim": "Stripe Payments · online card: fixed processing fee per payment: $0.30 (Public pricing checked September 12, 2026).",
      "value": 0.3,
      "unit": "USD",
      "population": "Selected U.S. standard processing rates for domestic online card and ACH payments; not merchant invoices or negotiated contracts",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Stripe",
      "source_title": "Standard Payments pricing: domestic online cards and ACH Direct Debit",
      "source_url": "https://stripe.com/pricing",
      "source_locator": "Payments / Cards and wallets / 2.9% + 30¢ for domestic cards",
      "publication_date": null,
      "accessed_date": "2026-09-12",
      "primary_source": true,
      "method_notes": "Reported by the original producer; not a Workspace369 survey.",
      "license_notes": "Public vendor price facts; trademarks and original page content belong to the provider. No affiliation or endorsement.",
      "status": "verified",
      "kind": "reported",
      "formula": null,
      "input_stat_ids": [],
      "input_source_urls": [],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#stripe-card-fixed"
    },
    {
      "stat_id": "stripe-ach-rate",
      "claim": "Stripe Payments · ACH Direct Debit: percentage processing fee: 0.8% (Public pricing checked September 12, 2026).",
      "value": 0.8,
      "unit": "percent",
      "population": "Selected U.S. standard processing rates for domestic online card and ACH payments; not merchant invoices or negotiated contracts",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Stripe",
      "source_title": "Standard Payments pricing: domestic online cards and ACH Direct Debit",
      "source_url": "https://stripe.com/pricing",
      "source_locator": "Bank debits and transfers / ACH Direct Debit / 0.8%, $5.00 cap",
      "publication_date": null,
      "accessed_date": "2026-09-12",
      "primary_source": true,
      "method_notes": "Reported by the original producer; not a Workspace369 survey.",
      "license_notes": "Public vendor price facts; trademarks and original page content belong to the provider. No affiliation or endorsement.",
      "status": "verified",
      "kind": "reported",
      "formula": null,
      "input_stat_ids": [],
      "input_source_urls": [],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#stripe-ach-rate"
    },
    {
      "stat_id": "stripe-ach-cap",
      "claim": "Stripe Payments · ACH Direct Debit: maximum processing fee per payment: $5.00 (Public pricing checked September 12, 2026).",
      "value": 5,
      "unit": "USD",
      "population": "Selected U.S. standard processing rates for domestic online card and ACH payments; not merchant invoices or negotiated contracts",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Stripe",
      "source_title": "Standard Payments pricing: domestic online cards and ACH Direct Debit",
      "source_url": "https://stripe.com/pricing",
      "source_locator": "Bank debits and transfers / ACH Direct Debit / 0.8%, $5.00 cap",
      "publication_date": null,
      "accessed_date": "2026-09-12",
      "primary_source": true,
      "method_notes": "Reported by the original producer; not a Workspace369 survey.",
      "license_notes": "Public vendor price facts; trademarks and original page content belong to the provider. No affiliation or endorsement.",
      "status": "verified",
      "kind": "reported",
      "formula": null,
      "input_stat_ids": [],
      "input_source_urls": [],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#stripe-ach-cap"
    },
    {
      "stat_id": "square-card-rate",
      "claim": "Square Free · invoice card: percentage processing fee: 3.3% (Public pricing checked September 12, 2026).",
      "value": 3.3,
      "unit": "percent",
      "population": "Selected U.S. standard processing rates for domestic online card and ACH payments; not merchant invoices or negotiated contracts",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Square",
      "source_title": "Square Free: online cards and ACH bank transfers via invoice",
      "source_url": "https://squareup.com/us/en/payments/our-fees",
      "source_locator": "Processing fees / Online / Square Free column; includes card payments through an invoice",
      "publication_date": null,
      "accessed_date": "2026-09-12",
      "primary_source": true,
      "method_notes": "Reported by the original producer; not a Workspace369 survey.",
      "license_notes": "Public vendor price facts; trademarks and original page content belong to the provider. No affiliation or endorsement.",
      "status": "verified",
      "kind": "reported",
      "formula": null,
      "input_stat_ids": [],
      "input_source_urls": [],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#square-card-rate"
    },
    {
      "stat_id": "square-card-fixed",
      "claim": "Square Free · invoice card: fixed processing fee per payment: $0.30 (Public pricing checked September 12, 2026).",
      "value": 0.3,
      "unit": "USD",
      "population": "Selected U.S. standard processing rates for domestic online card and ACH payments; not merchant invoices or negotiated contracts",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Square",
      "source_title": "Square Free: online cards and ACH bank transfers via invoice",
      "source_url": "https://squareup.com/us/en/payments/our-fees",
      "source_locator": "Processing fees / Online / Square Free column; includes card payments through an invoice",
      "publication_date": null,
      "accessed_date": "2026-09-12",
      "primary_source": true,
      "method_notes": "Reported by the original producer; not a Workspace369 survey.",
      "license_notes": "Public vendor price facts; trademarks and original page content belong to the provider. No affiliation or endorsement.",
      "status": "verified",
      "kind": "reported",
      "formula": null,
      "input_stat_ids": [],
      "input_source_urls": [],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#square-card-fixed"
    },
    {
      "stat_id": "square-ach-rate",
      "claim": "Square Free · invoice ACH: percentage processing fee: 1% (Public pricing checked September 12, 2026).",
      "value": 1,
      "unit": "percent",
      "population": "Selected U.S. standard processing rates for domestic online card and ACH payments; not merchant invoices or negotiated contracts",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Square",
      "source_title": "Square Free: online cards and ACH bank transfers via invoice",
      "source_url": "https://squareup.com/us/en/payments/our-fees",
      "source_locator": "Processing fees / ACH bank transfer (via invoice) / Square Free: 1%, $1 minimum; no cap listed",
      "publication_date": null,
      "accessed_date": "2026-09-12",
      "primary_source": true,
      "method_notes": "Reported by the original producer; not a Workspace369 survey.",
      "license_notes": "Public vendor price facts; trademarks and original page content belong to the provider. No affiliation or endorsement.",
      "status": "verified",
      "kind": "reported",
      "formula": null,
      "input_stat_ids": [],
      "input_source_urls": [],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#square-ach-rate"
    },
    {
      "stat_id": "square-ach-minimum",
      "claim": "Square Free · invoice ACH: minimum processing fee: $1.00 (Public pricing checked September 12, 2026).",
      "value": 1,
      "unit": "USD",
      "population": "Selected U.S. standard processing rates for domestic online card and ACH payments; not merchant invoices or negotiated contracts",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Square",
      "source_title": "Square Free: online cards and ACH bank transfers via invoice",
      "source_url": "https://squareup.com/us/en/payments/our-fees",
      "source_locator": "Processing fees / ACH bank transfer (via invoice) / Square Free: 1%, $1 minimum; no cap listed",
      "publication_date": null,
      "accessed_date": "2026-09-12",
      "primary_source": true,
      "method_notes": "Reported by the original producer; not a Workspace369 survey.",
      "license_notes": "Public vendor price facts; trademarks and original page content belong to the provider. No affiliation or endorsement.",
      "status": "verified",
      "kind": "reported",
      "formula": null,
      "input_stat_ids": [],
      "input_source_urls": [],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#square-ach-minimum"
    },
    {
      "stat_id": "paypal-card-rate",
      "claim": "PayPal Invoicing · standard card: percentage processing fee: 2.99% (Public pricing checked September 12, 2026).",
      "value": 2.99,
      "unit": "percent",
      "population": "Selected U.S. standard processing rates for domestic online card and ACH payments; not merchant invoices or negotiated contracts",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "PayPal",
      "source_title": "U.S. merchant fees: Invoicing Transaction Rates and USD fixed fee",
      "source_url": "https://www.paypal.com/us/business/paypal-business-fees",
      "source_locator": "Invoicing Transaction Rates / Credit and debit cards, Apple Pay and other third-party wallets: 2.99%; fixed fee for USD: $0.49",
      "publication_date": null,
      "accessed_date": "2026-09-12",
      "primary_source": true,
      "method_notes": "Reported by the original producer; not a Workspace369 survey.",
      "license_notes": "Public vendor price facts; trademarks and original page content belong to the provider. No affiliation or endorsement.",
      "status": "verified",
      "kind": "reported",
      "formula": null,
      "input_stat_ids": [],
      "input_source_urls": [],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#paypal-card-rate"
    },
    {
      "stat_id": "paypal-card-fixed",
      "claim": "PayPal Invoicing · standard card: fixed processing fee per payment: $0.49 (Public pricing checked September 12, 2026).",
      "value": 0.49,
      "unit": "USD",
      "population": "Selected U.S. standard processing rates for domestic online card and ACH payments; not merchant invoices or negotiated contracts",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "PayPal",
      "source_title": "U.S. merchant fees: Invoicing Transaction Rates and USD fixed fee",
      "source_url": "https://www.paypal.com/us/business/paypal-business-fees",
      "source_locator": "Invoicing Transaction Rates / Credit and debit cards, Apple Pay and other third-party wallets: 2.99%; fixed fee for USD: $0.49",
      "publication_date": null,
      "accessed_date": "2026-09-12",
      "primary_source": true,
      "method_notes": "Reported by the original producer; not a Workspace369 survey.",
      "license_notes": "Public vendor price facts; trademarks and original page content belong to the provider. No affiliation or endorsement.",
      "status": "verified",
      "kind": "reported",
      "formula": null,
      "input_stat_ids": [],
      "input_source_urls": [],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#paypal-card-fixed"
    },
    {
      "stat_id": "paypal-ach-rate",
      "claim": "PayPal Invoicing · Pay by Bank: percentage processing fee: 1% (Public pricing checked September 12, 2026).",
      "value": 1,
      "unit": "percent",
      "population": "Selected U.S. standard processing rates for domestic online card and ACH payments; not merchant invoices or negotiated contracts",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "PayPal",
      "source_title": "U.S. merchant fees: Invoicing Transaction Rates and USD fixed fee",
      "source_url": "https://www.paypal.com/us/business/paypal-business-fees",
      "source_locator": "Invoicing Transaction Rates / Pay by Bank payments (ACH): 1%, capped at $10 per transaction",
      "publication_date": null,
      "accessed_date": "2026-09-12",
      "primary_source": true,
      "method_notes": "Reported by the original producer; not a Workspace369 survey.",
      "license_notes": "Public vendor price facts; trademarks and original page content belong to the provider. No affiliation or endorsement.",
      "status": "verified",
      "kind": "reported",
      "formula": null,
      "input_stat_ids": [],
      "input_source_urls": [],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#paypal-ach-rate"
    },
    {
      "stat_id": "paypal-ach-cap",
      "claim": "PayPal Invoicing · Pay by Bank: maximum processing fee per payment: $10.00 (Public pricing checked September 12, 2026).",
      "value": 10,
      "unit": "USD",
      "population": "Selected U.S. standard processing rates for domestic online card and ACH payments; not merchant invoices or negotiated contracts",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "PayPal",
      "source_title": "U.S. merchant fees: Invoicing Transaction Rates and USD fixed fee",
      "source_url": "https://www.paypal.com/us/business/paypal-business-fees",
      "source_locator": "Invoicing Transaction Rates / Pay by Bank payments (ACH): 1%, capped at $10 per transaction",
      "publication_date": null,
      "accessed_date": "2026-09-12",
      "primary_source": true,
      "method_notes": "Reported by the original producer; not a Workspace369 survey.",
      "license_notes": "Public vendor price facts; trademarks and original page content belong to the provider. No affiliation or endorsement.",
      "status": "verified",
      "kind": "reported",
      "formula": null,
      "input_stat_ids": [],
      "input_source_urls": [],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#paypal-ach-cap"
    },
    {
      "stat_id": "stripe-card-50-fee",
      "claim": "Stripe Payments · online card: modeled processing fee on a USD 50 payment: $1.75 (Public pricing checked September 12, 2026).",
      "value": 1.75,
      "unit": "USD",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Payment USD 50 × 2.9% + USD 0.3  ; no published cap applied; round to cents per transaction.",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Payment USD 50 × 2.9% + USD 0.3  ; no published cap applied; round to cents per transaction.",
      "input_stat_ids": [
        "stripe-card-rate",
        "stripe-card-fixed"
      ],
      "input_source_urls": [
        "https://stripe.com/pricing"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#stripe-card-50-fee"
    },
    {
      "stat_id": "stripe-card-50-effective",
      "claim": "Stripe Payments · online card: modeled effective fee rate on a USD 50 payment: 3.5% (Public pricing checked September 12, 2026).",
      "value": 3.5,
      "unit": "percent",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Rounded processing fee ÷ payment USD 50 × 100",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Rounded processing fee ÷ payment USD 50 × 100",
      "input_stat_ids": [
        "stripe-card-50-fee"
      ],
      "input_source_urls": [
        "https://stripe.com/pricing"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#stripe-card-50-effective"
    },
    {
      "stat_id": "stripe-ach-50-fee",
      "claim": "Stripe Payments · ACH Direct Debit: modeled processing fee on a USD 50 payment: $0.40 (Public pricing checked September 12, 2026).",
      "value": 0.4,
      "unit": "USD",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Payment USD 50 × 0.8%  ; capped at USD 5; round to cents per transaction.",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Payment USD 50 × 0.8%  ; capped at USD 5; round to cents per transaction.",
      "input_stat_ids": [
        "stripe-ach-rate",
        "stripe-ach-cap"
      ],
      "input_source_urls": [
        "https://stripe.com/pricing"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#stripe-ach-50-fee"
    },
    {
      "stat_id": "stripe-ach-50-effective",
      "claim": "Stripe Payments · ACH Direct Debit: modeled effective fee rate on a USD 50 payment: 0.8% (Public pricing checked September 12, 2026).",
      "value": 0.8,
      "unit": "percent",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Rounded processing fee ÷ payment USD 50 × 100",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Rounded processing fee ÷ payment USD 50 × 100",
      "input_stat_ids": [
        "stripe-ach-50-fee"
      ],
      "input_source_urls": [
        "https://stripe.com/pricing"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#stripe-ach-50-effective"
    },
    {
      "stat_id": "square-card-50-fee",
      "claim": "Square Free · invoice card: modeled processing fee on a USD 50 payment: $1.95 (Public pricing checked September 12, 2026).",
      "value": 1.95,
      "unit": "USD",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Payment USD 50 × 3.3% + USD 0.3  ; no published cap applied; round to cents per transaction.",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Payment USD 50 × 3.3% + USD 0.3  ; no published cap applied; round to cents per transaction.",
      "input_stat_ids": [
        "square-card-rate",
        "square-card-fixed"
      ],
      "input_source_urls": [
        "https://squareup.com/us/en/payments/our-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#square-card-50-fee"
    },
    {
      "stat_id": "square-card-50-effective",
      "claim": "Square Free · invoice card: modeled effective fee rate on a USD 50 payment: 3.9% (Public pricing checked September 12, 2026).",
      "value": 3.9,
      "unit": "percent",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Rounded processing fee ÷ payment USD 50 × 100",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Rounded processing fee ÷ payment USD 50 × 100",
      "input_stat_ids": [
        "square-card-50-fee"
      ],
      "input_source_urls": [
        "https://squareup.com/us/en/payments/our-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#square-card-50-effective"
    },
    {
      "stat_id": "square-ach-50-fee",
      "claim": "Square Free · invoice ACH: modeled processing fee on a USD 50 payment: $1.00 (Public pricing checked September 12, 2026).",
      "value": 1,
      "unit": "USD",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Payment USD 50 × 1% ; minimum USD 1 ; no published cap applied; round to cents per transaction.",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Payment USD 50 × 1% ; minimum USD 1 ; no published cap applied; round to cents per transaction.",
      "input_stat_ids": [
        "square-ach-rate",
        "square-ach-minimum"
      ],
      "input_source_urls": [
        "https://squareup.com/us/en/payments/our-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#square-ach-50-fee"
    },
    {
      "stat_id": "square-ach-50-effective",
      "claim": "Square Free · invoice ACH: modeled effective fee rate on a USD 50 payment: 2% (Public pricing checked September 12, 2026).",
      "value": 2,
      "unit": "percent",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Rounded processing fee ÷ payment USD 50 × 100",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Rounded processing fee ÷ payment USD 50 × 100",
      "input_stat_ids": [
        "square-ach-50-fee"
      ],
      "input_source_urls": [
        "https://squareup.com/us/en/payments/our-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#square-ach-50-effective"
    },
    {
      "stat_id": "paypal-card-50-fee",
      "claim": "PayPal Invoicing · standard card: modeled processing fee on a USD 50 payment: $1.99 (Public pricing checked September 12, 2026).",
      "value": 1.99,
      "unit": "USD",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Payment USD 50 × 2.99% + USD 0.49  ; no published cap applied; round to cents per transaction.",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Payment USD 50 × 2.99% + USD 0.49  ; no published cap applied; round to cents per transaction.",
      "input_stat_ids": [
        "paypal-card-rate",
        "paypal-card-fixed"
      ],
      "input_source_urls": [
        "https://www.paypal.com/us/business/paypal-business-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#paypal-card-50-fee"
    },
    {
      "stat_id": "paypal-card-50-effective",
      "claim": "PayPal Invoicing · standard card: modeled effective fee rate on a USD 50 payment: 3.98% (Public pricing checked September 12, 2026).",
      "value": 3.98,
      "unit": "percent",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Rounded processing fee ÷ payment USD 50 × 100",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Rounded processing fee ÷ payment USD 50 × 100",
      "input_stat_ids": [
        "paypal-card-50-fee"
      ],
      "input_source_urls": [
        "https://www.paypal.com/us/business/paypal-business-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#paypal-card-50-effective"
    },
    {
      "stat_id": "paypal-ach-50-fee",
      "claim": "PayPal Invoicing · Pay by Bank: modeled processing fee on a USD 50 payment: $0.50 (Public pricing checked September 12, 2026).",
      "value": 0.5,
      "unit": "USD",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Payment USD 50 × 1%  ; capped at USD 10; round to cents per transaction.",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Payment USD 50 × 1%  ; capped at USD 10; round to cents per transaction.",
      "input_stat_ids": [
        "paypal-ach-rate",
        "paypal-ach-cap"
      ],
      "input_source_urls": [
        "https://www.paypal.com/us/business/paypal-business-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#paypal-ach-50-fee"
    },
    {
      "stat_id": "paypal-ach-50-effective",
      "claim": "PayPal Invoicing · Pay by Bank: modeled effective fee rate on a USD 50 payment: 1% (Public pricing checked September 12, 2026).",
      "value": 1,
      "unit": "percent",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Rounded processing fee ÷ payment USD 50 × 100",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Rounded processing fee ÷ payment USD 50 × 100",
      "input_stat_ids": [
        "paypal-ach-50-fee"
      ],
      "input_source_urls": [
        "https://www.paypal.com/us/business/paypal-business-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#paypal-ach-50-effective"
    },
    {
      "stat_id": "stripe-card-100-fee",
      "claim": "Stripe Payments · online card: modeled processing fee on a USD 100 payment: $3.20 (Public pricing checked September 12, 2026).",
      "value": 3.2,
      "unit": "USD",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Payment USD 100 × 2.9% + USD 0.3  ; no published cap applied; round to cents per transaction.",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Payment USD 100 × 2.9% + USD 0.3  ; no published cap applied; round to cents per transaction.",
      "input_stat_ids": [
        "stripe-card-rate",
        "stripe-card-fixed"
      ],
      "input_source_urls": [
        "https://stripe.com/pricing"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#stripe-card-100-fee"
    },
    {
      "stat_id": "stripe-card-100-effective",
      "claim": "Stripe Payments · online card: modeled effective fee rate on a USD 100 payment: 3.2% (Public pricing checked September 12, 2026).",
      "value": 3.2,
      "unit": "percent",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Rounded processing fee ÷ payment USD 100 × 100",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Rounded processing fee ÷ payment USD 100 × 100",
      "input_stat_ids": [
        "stripe-card-100-fee"
      ],
      "input_source_urls": [
        "https://stripe.com/pricing"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#stripe-card-100-effective"
    },
    {
      "stat_id": "stripe-ach-100-fee",
      "claim": "Stripe Payments · ACH Direct Debit: modeled processing fee on a USD 100 payment: $0.80 (Public pricing checked September 12, 2026).",
      "value": 0.8,
      "unit": "USD",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Payment USD 100 × 0.8%  ; capped at USD 5; round to cents per transaction.",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Payment USD 100 × 0.8%  ; capped at USD 5; round to cents per transaction.",
      "input_stat_ids": [
        "stripe-ach-rate",
        "stripe-ach-cap"
      ],
      "input_source_urls": [
        "https://stripe.com/pricing"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#stripe-ach-100-fee"
    },
    {
      "stat_id": "stripe-ach-100-effective",
      "claim": "Stripe Payments · ACH Direct Debit: modeled effective fee rate on a USD 100 payment: 0.8% (Public pricing checked September 12, 2026).",
      "value": 0.8,
      "unit": "percent",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Rounded processing fee ÷ payment USD 100 × 100",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Rounded processing fee ÷ payment USD 100 × 100",
      "input_stat_ids": [
        "stripe-ach-100-fee"
      ],
      "input_source_urls": [
        "https://stripe.com/pricing"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#stripe-ach-100-effective"
    },
    {
      "stat_id": "square-card-100-fee",
      "claim": "Square Free · invoice card: modeled processing fee on a USD 100 payment: $3.60 (Public pricing checked September 12, 2026).",
      "value": 3.6,
      "unit": "USD",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Payment USD 100 × 3.3% + USD 0.3  ; no published cap applied; round to cents per transaction.",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Payment USD 100 × 3.3% + USD 0.3  ; no published cap applied; round to cents per transaction.",
      "input_stat_ids": [
        "square-card-rate",
        "square-card-fixed"
      ],
      "input_source_urls": [
        "https://squareup.com/us/en/payments/our-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#square-card-100-fee"
    },
    {
      "stat_id": "square-card-100-effective",
      "claim": "Square Free · invoice card: modeled effective fee rate on a USD 100 payment: 3.6% (Public pricing checked September 12, 2026).",
      "value": 3.6,
      "unit": "percent",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Rounded processing fee ÷ payment USD 100 × 100",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Rounded processing fee ÷ payment USD 100 × 100",
      "input_stat_ids": [
        "square-card-100-fee"
      ],
      "input_source_urls": [
        "https://squareup.com/us/en/payments/our-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#square-card-100-effective"
    },
    {
      "stat_id": "square-ach-100-fee",
      "claim": "Square Free · invoice ACH: modeled processing fee on a USD 100 payment: $1.00 (Public pricing checked September 12, 2026).",
      "value": 1,
      "unit": "USD",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Payment USD 100 × 1% ; minimum USD 1 ; no published cap applied; round to cents per transaction.",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Payment USD 100 × 1% ; minimum USD 1 ; no published cap applied; round to cents per transaction.",
      "input_stat_ids": [
        "square-ach-rate",
        "square-ach-minimum"
      ],
      "input_source_urls": [
        "https://squareup.com/us/en/payments/our-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#square-ach-100-fee"
    },
    {
      "stat_id": "square-ach-100-effective",
      "claim": "Square Free · invoice ACH: modeled effective fee rate on a USD 100 payment: 1% (Public pricing checked September 12, 2026).",
      "value": 1,
      "unit": "percent",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Rounded processing fee ÷ payment USD 100 × 100",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Rounded processing fee ÷ payment USD 100 × 100",
      "input_stat_ids": [
        "square-ach-100-fee"
      ],
      "input_source_urls": [
        "https://squareup.com/us/en/payments/our-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#square-ach-100-effective"
    },
    {
      "stat_id": "paypal-card-100-fee",
      "claim": "PayPal Invoicing · standard card: modeled processing fee on a USD 100 payment: $3.48 (Public pricing checked September 12, 2026).",
      "value": 3.48,
      "unit": "USD",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Payment USD 100 × 2.99% + USD 0.49  ; no published cap applied; round to cents per transaction.",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Payment USD 100 × 2.99% + USD 0.49  ; no published cap applied; round to cents per transaction.",
      "input_stat_ids": [
        "paypal-card-rate",
        "paypal-card-fixed"
      ],
      "input_source_urls": [
        "https://www.paypal.com/us/business/paypal-business-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#paypal-card-100-fee"
    },
    {
      "stat_id": "paypal-card-100-effective",
      "claim": "PayPal Invoicing · standard card: modeled effective fee rate on a USD 100 payment: 3.48% (Public pricing checked September 12, 2026).",
      "value": 3.48,
      "unit": "percent",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Rounded processing fee ÷ payment USD 100 × 100",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Rounded processing fee ÷ payment USD 100 × 100",
      "input_stat_ids": [
        "paypal-card-100-fee"
      ],
      "input_source_urls": [
        "https://www.paypal.com/us/business/paypal-business-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#paypal-card-100-effective"
    },
    {
      "stat_id": "paypal-ach-100-fee",
      "claim": "PayPal Invoicing · Pay by Bank: modeled processing fee on a USD 100 payment: $1.00 (Public pricing checked September 12, 2026).",
      "value": 1,
      "unit": "USD",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Payment USD 100 × 1%  ; capped at USD 10; round to cents per transaction.",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Payment USD 100 × 1%  ; capped at USD 10; round to cents per transaction.",
      "input_stat_ids": [
        "paypal-ach-rate",
        "paypal-ach-cap"
      ],
      "input_source_urls": [
        "https://www.paypal.com/us/business/paypal-business-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#paypal-ach-100-fee"
    },
    {
      "stat_id": "paypal-ach-100-effective",
      "claim": "PayPal Invoicing · Pay by Bank: modeled effective fee rate on a USD 100 payment: 1% (Public pricing checked September 12, 2026).",
      "value": 1,
      "unit": "percent",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Rounded processing fee ÷ payment USD 100 × 100",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Rounded processing fee ÷ payment USD 100 × 100",
      "input_stat_ids": [
        "paypal-ach-100-fee"
      ],
      "input_source_urls": [
        "https://www.paypal.com/us/business/paypal-business-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#paypal-ach-100-effective"
    },
    {
      "stat_id": "stripe-card-250-fee",
      "claim": "Stripe Payments · online card: modeled processing fee on a USD 250 payment: $7.55 (Public pricing checked September 12, 2026).",
      "value": 7.55,
      "unit": "USD",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Payment USD 250 × 2.9% + USD 0.3  ; no published cap applied; round to cents per transaction.",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Payment USD 250 × 2.9% + USD 0.3  ; no published cap applied; round to cents per transaction.",
      "input_stat_ids": [
        "stripe-card-rate",
        "stripe-card-fixed"
      ],
      "input_source_urls": [
        "https://stripe.com/pricing"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#stripe-card-250-fee"
    },
    {
      "stat_id": "stripe-card-250-effective",
      "claim": "Stripe Payments · online card: modeled effective fee rate on a USD 250 payment: 3.02% (Public pricing checked September 12, 2026).",
      "value": 3.02,
      "unit": "percent",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Rounded processing fee ÷ payment USD 250 × 100",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Rounded processing fee ÷ payment USD 250 × 100",
      "input_stat_ids": [
        "stripe-card-250-fee"
      ],
      "input_source_urls": [
        "https://stripe.com/pricing"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#stripe-card-250-effective"
    },
    {
      "stat_id": "stripe-ach-250-fee",
      "claim": "Stripe Payments · ACH Direct Debit: modeled processing fee on a USD 250 payment: $2.00 (Public pricing checked September 12, 2026).",
      "value": 2,
      "unit": "USD",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Payment USD 250 × 0.8%  ; capped at USD 5; round to cents per transaction.",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Payment USD 250 × 0.8%  ; capped at USD 5; round to cents per transaction.",
      "input_stat_ids": [
        "stripe-ach-rate",
        "stripe-ach-cap"
      ],
      "input_source_urls": [
        "https://stripe.com/pricing"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#stripe-ach-250-fee"
    },
    {
      "stat_id": "stripe-ach-250-effective",
      "claim": "Stripe Payments · ACH Direct Debit: modeled effective fee rate on a USD 250 payment: 0.8% (Public pricing checked September 12, 2026).",
      "value": 0.8,
      "unit": "percent",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Rounded processing fee ÷ payment USD 250 × 100",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Rounded processing fee ÷ payment USD 250 × 100",
      "input_stat_ids": [
        "stripe-ach-250-fee"
      ],
      "input_source_urls": [
        "https://stripe.com/pricing"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#stripe-ach-250-effective"
    },
    {
      "stat_id": "square-card-250-fee",
      "claim": "Square Free · invoice card: modeled processing fee on a USD 250 payment: $8.55 (Public pricing checked September 12, 2026).",
      "value": 8.55,
      "unit": "USD",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Payment USD 250 × 3.3% + USD 0.3  ; no published cap applied; round to cents per transaction.",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Payment USD 250 × 3.3% + USD 0.3  ; no published cap applied; round to cents per transaction.",
      "input_stat_ids": [
        "square-card-rate",
        "square-card-fixed"
      ],
      "input_source_urls": [
        "https://squareup.com/us/en/payments/our-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#square-card-250-fee"
    },
    {
      "stat_id": "square-card-250-effective",
      "claim": "Square Free · invoice card: modeled effective fee rate on a USD 250 payment: 3.42% (Public pricing checked September 12, 2026).",
      "value": 3.42,
      "unit": "percent",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Rounded processing fee ÷ payment USD 250 × 100",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Rounded processing fee ÷ payment USD 250 × 100",
      "input_stat_ids": [
        "square-card-250-fee"
      ],
      "input_source_urls": [
        "https://squareup.com/us/en/payments/our-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#square-card-250-effective"
    },
    {
      "stat_id": "square-ach-250-fee",
      "claim": "Square Free · invoice ACH: modeled processing fee on a USD 250 payment: $2.50 (Public pricing checked September 12, 2026).",
      "value": 2.5,
      "unit": "USD",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Payment USD 250 × 1% ; minimum USD 1 ; no published cap applied; round to cents per transaction.",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Payment USD 250 × 1% ; minimum USD 1 ; no published cap applied; round to cents per transaction.",
      "input_stat_ids": [
        "square-ach-rate",
        "square-ach-minimum"
      ],
      "input_source_urls": [
        "https://squareup.com/us/en/payments/our-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#square-ach-250-fee"
    },
    {
      "stat_id": "square-ach-250-effective",
      "claim": "Square Free · invoice ACH: modeled effective fee rate on a USD 250 payment: 1% (Public pricing checked September 12, 2026).",
      "value": 1,
      "unit": "percent",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Rounded processing fee ÷ payment USD 250 × 100",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Rounded processing fee ÷ payment USD 250 × 100",
      "input_stat_ids": [
        "square-ach-250-fee"
      ],
      "input_source_urls": [
        "https://squareup.com/us/en/payments/our-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#square-ach-250-effective"
    },
    {
      "stat_id": "paypal-card-250-fee",
      "claim": "PayPal Invoicing · standard card: modeled processing fee on a USD 250 payment: $7.97 (Public pricing checked September 12, 2026).",
      "value": 7.97,
      "unit": "USD",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Payment USD 250 × 2.99% + USD 0.49  ; no published cap applied; round to cents per transaction.",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Payment USD 250 × 2.99% + USD 0.49  ; no published cap applied; round to cents per transaction.",
      "input_stat_ids": [
        "paypal-card-rate",
        "paypal-card-fixed"
      ],
      "input_source_urls": [
        "https://www.paypal.com/us/business/paypal-business-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#paypal-card-250-fee"
    },
    {
      "stat_id": "paypal-card-250-effective",
      "claim": "PayPal Invoicing · standard card: modeled effective fee rate on a USD 250 payment: 3.19% (Public pricing checked September 12, 2026).",
      "value": 3.19,
      "unit": "percent",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Rounded processing fee ÷ payment USD 250 × 100",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Rounded processing fee ÷ payment USD 250 × 100",
      "input_stat_ids": [
        "paypal-card-250-fee"
      ],
      "input_source_urls": [
        "https://www.paypal.com/us/business/paypal-business-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#paypal-card-250-effective"
    },
    {
      "stat_id": "paypal-ach-250-fee",
      "claim": "PayPal Invoicing · Pay by Bank: modeled processing fee on a USD 250 payment: $2.50 (Public pricing checked September 12, 2026).",
      "value": 2.5,
      "unit": "USD",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Payment USD 250 × 1%  ; capped at USD 10; round to cents per transaction.",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Payment USD 250 × 1%  ; capped at USD 10; round to cents per transaction.",
      "input_stat_ids": [
        "paypal-ach-rate",
        "paypal-ach-cap"
      ],
      "input_source_urls": [
        "https://www.paypal.com/us/business/paypal-business-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#paypal-ach-250-fee"
    },
    {
      "stat_id": "paypal-ach-250-effective",
      "claim": "PayPal Invoicing · Pay by Bank: modeled effective fee rate on a USD 250 payment: 1% (Public pricing checked September 12, 2026).",
      "value": 1,
      "unit": "percent",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Rounded processing fee ÷ payment USD 250 × 100",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Rounded processing fee ÷ payment USD 250 × 100",
      "input_stat_ids": [
        "paypal-ach-250-fee"
      ],
      "input_source_urls": [
        "https://www.paypal.com/us/business/paypal-business-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#paypal-ach-250-effective"
    },
    {
      "stat_id": "stripe-card-500-fee",
      "claim": "Stripe Payments · online card: modeled processing fee on a USD 500 payment: $14.80 (Public pricing checked September 12, 2026).",
      "value": 14.8,
      "unit": "USD",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Payment USD 500 × 2.9% + USD 0.3  ; no published cap applied; round to cents per transaction.",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Payment USD 500 × 2.9% + USD 0.3  ; no published cap applied; round to cents per transaction.",
      "input_stat_ids": [
        "stripe-card-rate",
        "stripe-card-fixed"
      ],
      "input_source_urls": [
        "https://stripe.com/pricing"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#stripe-card-500-fee"
    },
    {
      "stat_id": "stripe-card-500-effective",
      "claim": "Stripe Payments · online card: modeled effective fee rate on a USD 500 payment: 2.96% (Public pricing checked September 12, 2026).",
      "value": 2.96,
      "unit": "percent",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Rounded processing fee ÷ payment USD 500 × 100",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Rounded processing fee ÷ payment USD 500 × 100",
      "input_stat_ids": [
        "stripe-card-500-fee"
      ],
      "input_source_urls": [
        "https://stripe.com/pricing"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#stripe-card-500-effective"
    },
    {
      "stat_id": "stripe-ach-500-fee",
      "claim": "Stripe Payments · ACH Direct Debit: modeled processing fee on a USD 500 payment: $4.00 (Public pricing checked September 12, 2026).",
      "value": 4,
      "unit": "USD",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Payment USD 500 × 0.8%  ; capped at USD 5; round to cents per transaction.",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Payment USD 500 × 0.8%  ; capped at USD 5; round to cents per transaction.",
      "input_stat_ids": [
        "stripe-ach-rate",
        "stripe-ach-cap"
      ],
      "input_source_urls": [
        "https://stripe.com/pricing"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#stripe-ach-500-fee"
    },
    {
      "stat_id": "stripe-ach-500-effective",
      "claim": "Stripe Payments · ACH Direct Debit: modeled effective fee rate on a USD 500 payment: 0.8% (Public pricing checked September 12, 2026).",
      "value": 0.8,
      "unit": "percent",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Rounded processing fee ÷ payment USD 500 × 100",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Rounded processing fee ÷ payment USD 500 × 100",
      "input_stat_ids": [
        "stripe-ach-500-fee"
      ],
      "input_source_urls": [
        "https://stripe.com/pricing"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#stripe-ach-500-effective"
    },
    {
      "stat_id": "square-card-500-fee",
      "claim": "Square Free · invoice card: modeled processing fee on a USD 500 payment: $16.80 (Public pricing checked September 12, 2026).",
      "value": 16.8,
      "unit": "USD",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Payment USD 500 × 3.3% + USD 0.3  ; no published cap applied; round to cents per transaction.",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Payment USD 500 × 3.3% + USD 0.3  ; no published cap applied; round to cents per transaction.",
      "input_stat_ids": [
        "square-card-rate",
        "square-card-fixed"
      ],
      "input_source_urls": [
        "https://squareup.com/us/en/payments/our-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#square-card-500-fee"
    },
    {
      "stat_id": "square-card-500-effective",
      "claim": "Square Free · invoice card: modeled effective fee rate on a USD 500 payment: 3.36% (Public pricing checked September 12, 2026).",
      "value": 3.36,
      "unit": "percent",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Rounded processing fee ÷ payment USD 500 × 100",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Rounded processing fee ÷ payment USD 500 × 100",
      "input_stat_ids": [
        "square-card-500-fee"
      ],
      "input_source_urls": [
        "https://squareup.com/us/en/payments/our-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#square-card-500-effective"
    },
    {
      "stat_id": "square-ach-500-fee",
      "claim": "Square Free · invoice ACH: modeled processing fee on a USD 500 payment: $5.00 (Public pricing checked September 12, 2026).",
      "value": 5,
      "unit": "USD",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Payment USD 500 × 1% ; minimum USD 1 ; no published cap applied; round to cents per transaction.",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Payment USD 500 × 1% ; minimum USD 1 ; no published cap applied; round to cents per transaction.",
      "input_stat_ids": [
        "square-ach-rate",
        "square-ach-minimum"
      ],
      "input_source_urls": [
        "https://squareup.com/us/en/payments/our-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#square-ach-500-fee"
    },
    {
      "stat_id": "square-ach-500-effective",
      "claim": "Square Free · invoice ACH: modeled effective fee rate on a USD 500 payment: 1% (Public pricing checked September 12, 2026).",
      "value": 1,
      "unit": "percent",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Rounded processing fee ÷ payment USD 500 × 100",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Rounded processing fee ÷ payment USD 500 × 100",
      "input_stat_ids": [
        "square-ach-500-fee"
      ],
      "input_source_urls": [
        "https://squareup.com/us/en/payments/our-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#square-ach-500-effective"
    },
    {
      "stat_id": "paypal-card-500-fee",
      "claim": "PayPal Invoicing · standard card: modeled processing fee on a USD 500 payment: $15.44 (Public pricing checked September 12, 2026).",
      "value": 15.44,
      "unit": "USD",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Payment USD 500 × 2.99% + USD 0.49  ; no published cap applied; round to cents per transaction.",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Payment USD 500 × 2.99% + USD 0.49  ; no published cap applied; round to cents per transaction.",
      "input_stat_ids": [
        "paypal-card-rate",
        "paypal-card-fixed"
      ],
      "input_source_urls": [
        "https://www.paypal.com/us/business/paypal-business-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#paypal-card-500-fee"
    },
    {
      "stat_id": "paypal-card-500-effective",
      "claim": "PayPal Invoicing · standard card: modeled effective fee rate on a USD 500 payment: 3.09% (Public pricing checked September 12, 2026).",
      "value": 3.09,
      "unit": "percent",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Rounded processing fee ÷ payment USD 500 × 100",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Rounded processing fee ÷ payment USD 500 × 100",
      "input_stat_ids": [
        "paypal-card-500-fee"
      ],
      "input_source_urls": [
        "https://www.paypal.com/us/business/paypal-business-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#paypal-card-500-effective"
    },
    {
      "stat_id": "paypal-ach-500-fee",
      "claim": "PayPal Invoicing · Pay by Bank: modeled processing fee on a USD 500 payment: $5.00 (Public pricing checked September 12, 2026).",
      "value": 5,
      "unit": "USD",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Payment USD 500 × 1%  ; capped at USD 10; round to cents per transaction.",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Payment USD 500 × 1%  ; capped at USD 10; round to cents per transaction.",
      "input_stat_ids": [
        "paypal-ach-rate",
        "paypal-ach-cap"
      ],
      "input_source_urls": [
        "https://www.paypal.com/us/business/paypal-business-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#paypal-ach-500-fee"
    },
    {
      "stat_id": "paypal-ach-500-effective",
      "claim": "PayPal Invoicing · Pay by Bank: modeled effective fee rate on a USD 500 payment: 1% (Public pricing checked September 12, 2026).",
      "value": 1,
      "unit": "percent",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Rounded processing fee ÷ payment USD 500 × 100",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Rounded processing fee ÷ payment USD 500 × 100",
      "input_stat_ids": [
        "paypal-ach-500-fee"
      ],
      "input_source_urls": [
        "https://www.paypal.com/us/business/paypal-business-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#paypal-ach-500-effective"
    },
    {
      "stat_id": "stripe-card-1000-fee",
      "claim": "Stripe Payments · online card: modeled processing fee on a USD 1000 payment: $29.30 (Public pricing checked September 12, 2026).",
      "value": 29.3,
      "unit": "USD",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Payment USD 1000 × 2.9% + USD 0.3  ; no published cap applied; round to cents per transaction.",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Payment USD 1000 × 2.9% + USD 0.3  ; no published cap applied; round to cents per transaction.",
      "input_stat_ids": [
        "stripe-card-rate",
        "stripe-card-fixed"
      ],
      "input_source_urls": [
        "https://stripe.com/pricing"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#stripe-card-1000-fee"
    },
    {
      "stat_id": "stripe-card-1000-effective",
      "claim": "Stripe Payments · online card: modeled effective fee rate on a USD 1000 payment: 2.93% (Public pricing checked September 12, 2026).",
      "value": 2.93,
      "unit": "percent",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Rounded processing fee ÷ payment USD 1000 × 100",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Rounded processing fee ÷ payment USD 1000 × 100",
      "input_stat_ids": [
        "stripe-card-1000-fee"
      ],
      "input_source_urls": [
        "https://stripe.com/pricing"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#stripe-card-1000-effective"
    },
    {
      "stat_id": "stripe-ach-1000-fee",
      "claim": "Stripe Payments · ACH Direct Debit: modeled processing fee on a USD 1000 payment: $5.00 (Public pricing checked September 12, 2026).",
      "value": 5,
      "unit": "USD",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Payment USD 1000 × 0.8%  ; capped at USD 5; round to cents per transaction.",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Payment USD 1000 × 0.8%  ; capped at USD 5; round to cents per transaction.",
      "input_stat_ids": [
        "stripe-ach-rate",
        "stripe-ach-cap"
      ],
      "input_source_urls": [
        "https://stripe.com/pricing"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#stripe-ach-1000-fee"
    },
    {
      "stat_id": "stripe-ach-1000-effective",
      "claim": "Stripe Payments · ACH Direct Debit: modeled effective fee rate on a USD 1000 payment: 0.5% (Public pricing checked September 12, 2026).",
      "value": 0.5,
      "unit": "percent",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Rounded processing fee ÷ payment USD 1000 × 100",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Rounded processing fee ÷ payment USD 1000 × 100",
      "input_stat_ids": [
        "stripe-ach-1000-fee"
      ],
      "input_source_urls": [
        "https://stripe.com/pricing"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#stripe-ach-1000-effective"
    },
    {
      "stat_id": "square-card-1000-fee",
      "claim": "Square Free · invoice card: modeled processing fee on a USD 1000 payment: $33.30 (Public pricing checked September 12, 2026).",
      "value": 33.3,
      "unit": "USD",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Payment USD 1000 × 3.3% + USD 0.3  ; no published cap applied; round to cents per transaction.",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Payment USD 1000 × 3.3% + USD 0.3  ; no published cap applied; round to cents per transaction.",
      "input_stat_ids": [
        "square-card-rate",
        "square-card-fixed"
      ],
      "input_source_urls": [
        "https://squareup.com/us/en/payments/our-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#square-card-1000-fee"
    },
    {
      "stat_id": "square-card-1000-effective",
      "claim": "Square Free · invoice card: modeled effective fee rate on a USD 1000 payment: 3.33% (Public pricing checked September 12, 2026).",
      "value": 3.33,
      "unit": "percent",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Rounded processing fee ÷ payment USD 1000 × 100",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Rounded processing fee ÷ payment USD 1000 × 100",
      "input_stat_ids": [
        "square-card-1000-fee"
      ],
      "input_source_urls": [
        "https://squareup.com/us/en/payments/our-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#square-card-1000-effective"
    },
    {
      "stat_id": "square-ach-1000-fee",
      "claim": "Square Free · invoice ACH: modeled processing fee on a USD 1000 payment: $10.00 (Public pricing checked September 12, 2026).",
      "value": 10,
      "unit": "USD",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Payment USD 1000 × 1% ; minimum USD 1 ; no published cap applied; round to cents per transaction.",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Payment USD 1000 × 1% ; minimum USD 1 ; no published cap applied; round to cents per transaction.",
      "input_stat_ids": [
        "square-ach-rate",
        "square-ach-minimum"
      ],
      "input_source_urls": [
        "https://squareup.com/us/en/payments/our-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#square-ach-1000-fee"
    },
    {
      "stat_id": "square-ach-1000-effective",
      "claim": "Square Free · invoice ACH: modeled effective fee rate on a USD 1000 payment: 1% (Public pricing checked September 12, 2026).",
      "value": 1,
      "unit": "percent",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Rounded processing fee ÷ payment USD 1000 × 100",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Rounded processing fee ÷ payment USD 1000 × 100",
      "input_stat_ids": [
        "square-ach-1000-fee"
      ],
      "input_source_urls": [
        "https://squareup.com/us/en/payments/our-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#square-ach-1000-effective"
    },
    {
      "stat_id": "paypal-card-1000-fee",
      "claim": "PayPal Invoicing · standard card: modeled processing fee on a USD 1000 payment: $30.39 (Public pricing checked September 12, 2026).",
      "value": 30.39,
      "unit": "USD",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Payment USD 1000 × 2.99% + USD 0.49  ; no published cap applied; round to cents per transaction.",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Payment USD 1000 × 2.99% + USD 0.49  ; no published cap applied; round to cents per transaction.",
      "input_stat_ids": [
        "paypal-card-rate",
        "paypal-card-fixed"
      ],
      "input_source_urls": [
        "https://www.paypal.com/us/business/paypal-business-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#paypal-card-1000-fee"
    },
    {
      "stat_id": "paypal-card-1000-effective",
      "claim": "PayPal Invoicing · standard card: modeled effective fee rate on a USD 1000 payment: 3.04% (Public pricing checked September 12, 2026).",
      "value": 3.04,
      "unit": "percent",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Rounded processing fee ÷ payment USD 1000 × 100",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Rounded processing fee ÷ payment USD 1000 × 100",
      "input_stat_ids": [
        "paypal-card-1000-fee"
      ],
      "input_source_urls": [
        "https://www.paypal.com/us/business/paypal-business-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#paypal-card-1000-effective"
    },
    {
      "stat_id": "paypal-ach-1000-fee",
      "claim": "PayPal Invoicing · Pay by Bank: modeled processing fee on a USD 1000 payment: $10.00 (Public pricing checked September 12, 2026).",
      "value": 10,
      "unit": "USD",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Payment USD 1000 × 1%  ; capped at USD 10; round to cents per transaction.",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Payment USD 1000 × 1%  ; capped at USD 10; round to cents per transaction.",
      "input_stat_ids": [
        "paypal-ach-rate",
        "paypal-ach-cap"
      ],
      "input_source_urls": [
        "https://www.paypal.com/us/business/paypal-business-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#paypal-ach-1000-fee"
    },
    {
      "stat_id": "paypal-ach-1000-effective",
      "claim": "PayPal Invoicing · Pay by Bank: modeled effective fee rate on a USD 1000 payment: 1% (Public pricing checked September 12, 2026).",
      "value": 1,
      "unit": "percent",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Rounded processing fee ÷ payment USD 1000 × 100",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Rounded processing fee ÷ payment USD 1000 × 100",
      "input_stat_ids": [
        "paypal-ach-1000-fee"
      ],
      "input_source_urls": [
        "https://www.paypal.com/us/business/paypal-business-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#paypal-ach-1000-effective"
    },
    {
      "stat_id": "stripe-card-2500-fee",
      "claim": "Stripe Payments · online card: modeled processing fee on a USD 2500 payment: $72.80 (Public pricing checked September 12, 2026).",
      "value": 72.8,
      "unit": "USD",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Payment USD 2500 × 2.9% + USD 0.3  ; no published cap applied; round to cents per transaction.",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Payment USD 2500 × 2.9% + USD 0.3  ; no published cap applied; round to cents per transaction.",
      "input_stat_ids": [
        "stripe-card-rate",
        "stripe-card-fixed"
      ],
      "input_source_urls": [
        "https://stripe.com/pricing"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#stripe-card-2500-fee"
    },
    {
      "stat_id": "stripe-card-2500-effective",
      "claim": "Stripe Payments · online card: modeled effective fee rate on a USD 2500 payment: 2.91% (Public pricing checked September 12, 2026).",
      "value": 2.91,
      "unit": "percent",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Rounded processing fee ÷ payment USD 2500 × 100",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Rounded processing fee ÷ payment USD 2500 × 100",
      "input_stat_ids": [
        "stripe-card-2500-fee"
      ],
      "input_source_urls": [
        "https://stripe.com/pricing"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#stripe-card-2500-effective"
    },
    {
      "stat_id": "stripe-ach-2500-fee",
      "claim": "Stripe Payments · ACH Direct Debit: modeled processing fee on a USD 2500 payment: $5.00 (Public pricing checked September 12, 2026).",
      "value": 5,
      "unit": "USD",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Payment USD 2500 × 0.8%  ; capped at USD 5; round to cents per transaction.",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Payment USD 2500 × 0.8%  ; capped at USD 5; round to cents per transaction.",
      "input_stat_ids": [
        "stripe-ach-rate",
        "stripe-ach-cap"
      ],
      "input_source_urls": [
        "https://stripe.com/pricing"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#stripe-ach-2500-fee"
    },
    {
      "stat_id": "stripe-ach-2500-effective",
      "claim": "Stripe Payments · ACH Direct Debit: modeled effective fee rate on a USD 2500 payment: 0.2% (Public pricing checked September 12, 2026).",
      "value": 0.2,
      "unit": "percent",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Rounded processing fee ÷ payment USD 2500 × 100",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Rounded processing fee ÷ payment USD 2500 × 100",
      "input_stat_ids": [
        "stripe-ach-2500-fee"
      ],
      "input_source_urls": [
        "https://stripe.com/pricing"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#stripe-ach-2500-effective"
    },
    {
      "stat_id": "square-card-2500-fee",
      "claim": "Square Free · invoice card: modeled processing fee on a USD 2500 payment: $82.80 (Public pricing checked September 12, 2026).",
      "value": 82.8,
      "unit": "USD",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Payment USD 2500 × 3.3% + USD 0.3  ; no published cap applied; round to cents per transaction.",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Payment USD 2500 × 3.3% + USD 0.3  ; no published cap applied; round to cents per transaction.",
      "input_stat_ids": [
        "square-card-rate",
        "square-card-fixed"
      ],
      "input_source_urls": [
        "https://squareup.com/us/en/payments/our-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#square-card-2500-fee"
    },
    {
      "stat_id": "square-card-2500-effective",
      "claim": "Square Free · invoice card: modeled effective fee rate on a USD 2500 payment: 3.31% (Public pricing checked September 12, 2026).",
      "value": 3.31,
      "unit": "percent",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Rounded processing fee ÷ payment USD 2500 × 100",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Rounded processing fee ÷ payment USD 2500 × 100",
      "input_stat_ids": [
        "square-card-2500-fee"
      ],
      "input_source_urls": [
        "https://squareup.com/us/en/payments/our-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#square-card-2500-effective"
    },
    {
      "stat_id": "square-ach-2500-fee",
      "claim": "Square Free · invoice ACH: modeled processing fee on a USD 2500 payment: $25.00 (Public pricing checked September 12, 2026).",
      "value": 25,
      "unit": "USD",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Payment USD 2500 × 1% ; minimum USD 1 ; no published cap applied; round to cents per transaction.",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Payment USD 2500 × 1% ; minimum USD 1 ; no published cap applied; round to cents per transaction.",
      "input_stat_ids": [
        "square-ach-rate",
        "square-ach-minimum"
      ],
      "input_source_urls": [
        "https://squareup.com/us/en/payments/our-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#square-ach-2500-fee"
    },
    {
      "stat_id": "square-ach-2500-effective",
      "claim": "Square Free · invoice ACH: modeled effective fee rate on a USD 2500 payment: 1% (Public pricing checked September 12, 2026).",
      "value": 1,
      "unit": "percent",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Rounded processing fee ÷ payment USD 2500 × 100",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Rounded processing fee ÷ payment USD 2500 × 100",
      "input_stat_ids": [
        "square-ach-2500-fee"
      ],
      "input_source_urls": [
        "https://squareup.com/us/en/payments/our-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#square-ach-2500-effective"
    },
    {
      "stat_id": "paypal-card-2500-fee",
      "claim": "PayPal Invoicing · standard card: modeled processing fee on a USD 2500 payment: $75.24 (Public pricing checked September 12, 2026).",
      "value": 75.24,
      "unit": "USD",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Payment USD 2500 × 2.99% + USD 0.49  ; no published cap applied; round to cents per transaction.",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Payment USD 2500 × 2.99% + USD 0.49  ; no published cap applied; round to cents per transaction.",
      "input_stat_ids": [
        "paypal-card-rate",
        "paypal-card-fixed"
      ],
      "input_source_urls": [
        "https://www.paypal.com/us/business/paypal-business-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#paypal-card-2500-fee"
    },
    {
      "stat_id": "paypal-card-2500-effective",
      "claim": "PayPal Invoicing · standard card: modeled effective fee rate on a USD 2500 payment: 3.01% (Public pricing checked September 12, 2026).",
      "value": 3.01,
      "unit": "percent",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Rounded processing fee ÷ payment USD 2500 × 100",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Rounded processing fee ÷ payment USD 2500 × 100",
      "input_stat_ids": [
        "paypal-card-2500-fee"
      ],
      "input_source_urls": [
        "https://www.paypal.com/us/business/paypal-business-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#paypal-card-2500-effective"
    },
    {
      "stat_id": "paypal-ach-2500-fee",
      "claim": "PayPal Invoicing · Pay by Bank: modeled processing fee on a USD 2500 payment: $10.00 (Public pricing checked September 12, 2026).",
      "value": 10,
      "unit": "USD",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Payment USD 2500 × 1%  ; capped at USD 10; round to cents per transaction.",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Payment USD 2500 × 1%  ; capped at USD 10; round to cents per transaction.",
      "input_stat_ids": [
        "paypal-ach-rate",
        "paypal-ach-cap"
      ],
      "input_source_urls": [
        "https://www.paypal.com/us/business/paypal-business-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#paypal-ach-2500-fee"
    },
    {
      "stat_id": "paypal-ach-2500-effective",
      "claim": "PayPal Invoicing · Pay by Bank: modeled effective fee rate on a USD 2500 payment: 0.4% (Public pricing checked September 12, 2026).",
      "value": 0.4,
      "unit": "percent",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Rounded processing fee ÷ payment USD 2500 × 100",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Rounded processing fee ÷ payment USD 2500 × 100",
      "input_stat_ids": [
        "paypal-ach-2500-fee"
      ],
      "input_source_urls": [
        "https://www.paypal.com/us/business/paypal-business-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#paypal-ach-2500-effective"
    },
    {
      "stat_id": "stripe-card-5000-fee",
      "claim": "Stripe Payments · online card: modeled processing fee on a USD 5000 payment: $145.30 (Public pricing checked September 12, 2026).",
      "value": 145.3,
      "unit": "USD",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Payment USD 5000 × 2.9% + USD 0.3  ; no published cap applied; round to cents per transaction.",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Payment USD 5000 × 2.9% + USD 0.3  ; no published cap applied; round to cents per transaction.",
      "input_stat_ids": [
        "stripe-card-rate",
        "stripe-card-fixed"
      ],
      "input_source_urls": [
        "https://stripe.com/pricing"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#stripe-card-5000-fee"
    },
    {
      "stat_id": "stripe-card-5000-effective",
      "claim": "Stripe Payments · online card: modeled effective fee rate on a USD 5000 payment: 2.91% (Public pricing checked September 12, 2026).",
      "value": 2.91,
      "unit": "percent",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Rounded processing fee ÷ payment USD 5000 × 100",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Rounded processing fee ÷ payment USD 5000 × 100",
      "input_stat_ids": [
        "stripe-card-5000-fee"
      ],
      "input_source_urls": [
        "https://stripe.com/pricing"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#stripe-card-5000-effective"
    },
    {
      "stat_id": "stripe-ach-5000-fee",
      "claim": "Stripe Payments · ACH Direct Debit: modeled processing fee on a USD 5000 payment: $5.00 (Public pricing checked September 12, 2026).",
      "value": 5,
      "unit": "USD",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Payment USD 5000 × 0.8%  ; capped at USD 5; round to cents per transaction.",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Payment USD 5000 × 0.8%  ; capped at USD 5; round to cents per transaction.",
      "input_stat_ids": [
        "stripe-ach-rate",
        "stripe-ach-cap"
      ],
      "input_source_urls": [
        "https://stripe.com/pricing"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#stripe-ach-5000-fee"
    },
    {
      "stat_id": "stripe-ach-5000-effective",
      "claim": "Stripe Payments · ACH Direct Debit: modeled effective fee rate on a USD 5000 payment: 0.1% (Public pricing checked September 12, 2026).",
      "value": 0.1,
      "unit": "percent",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Rounded processing fee ÷ payment USD 5000 × 100",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Rounded processing fee ÷ payment USD 5000 × 100",
      "input_stat_ids": [
        "stripe-ach-5000-fee"
      ],
      "input_source_urls": [
        "https://stripe.com/pricing"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#stripe-ach-5000-effective"
    },
    {
      "stat_id": "square-card-5000-fee",
      "claim": "Square Free · invoice card: modeled processing fee on a USD 5000 payment: $165.30 (Public pricing checked September 12, 2026).",
      "value": 165.3,
      "unit": "USD",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Payment USD 5000 × 3.3% + USD 0.3  ; no published cap applied; round to cents per transaction.",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Payment USD 5000 × 3.3% + USD 0.3  ; no published cap applied; round to cents per transaction.",
      "input_stat_ids": [
        "square-card-rate",
        "square-card-fixed"
      ],
      "input_source_urls": [
        "https://squareup.com/us/en/payments/our-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#square-card-5000-fee"
    },
    {
      "stat_id": "square-card-5000-effective",
      "claim": "Square Free · invoice card: modeled effective fee rate on a USD 5000 payment: 3.31% (Public pricing checked September 12, 2026).",
      "value": 3.31,
      "unit": "percent",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Rounded processing fee ÷ payment USD 5000 × 100",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Rounded processing fee ÷ payment USD 5000 × 100",
      "input_stat_ids": [
        "square-card-5000-fee"
      ],
      "input_source_urls": [
        "https://squareup.com/us/en/payments/our-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#square-card-5000-effective"
    },
    {
      "stat_id": "square-ach-5000-fee",
      "claim": "Square Free · invoice ACH: modeled processing fee on a USD 5000 payment: $50.00 (Public pricing checked September 12, 2026).",
      "value": 50,
      "unit": "USD",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Payment USD 5000 × 1% ; minimum USD 1 ; no published cap applied; round to cents per transaction.",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Payment USD 5000 × 1% ; minimum USD 1 ; no published cap applied; round to cents per transaction.",
      "input_stat_ids": [
        "square-ach-rate",
        "square-ach-minimum"
      ],
      "input_source_urls": [
        "https://squareup.com/us/en/payments/our-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#square-ach-5000-fee"
    },
    {
      "stat_id": "square-ach-5000-effective",
      "claim": "Square Free · invoice ACH: modeled effective fee rate on a USD 5000 payment: 1% (Public pricing checked September 12, 2026).",
      "value": 1,
      "unit": "percent",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Rounded processing fee ÷ payment USD 5000 × 100",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Rounded processing fee ÷ payment USD 5000 × 100",
      "input_stat_ids": [
        "square-ach-5000-fee"
      ],
      "input_source_urls": [
        "https://squareup.com/us/en/payments/our-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#square-ach-5000-effective"
    },
    {
      "stat_id": "paypal-card-5000-fee",
      "claim": "PayPal Invoicing · standard card: modeled processing fee on a USD 5000 payment: $149.99 (Public pricing checked September 12, 2026).",
      "value": 149.99,
      "unit": "USD",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Payment USD 5000 × 2.99% + USD 0.49  ; no published cap applied; round to cents per transaction.",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Payment USD 5000 × 2.99% + USD 0.49  ; no published cap applied; round to cents per transaction.",
      "input_stat_ids": [
        "paypal-card-rate",
        "paypal-card-fixed"
      ],
      "input_source_urls": [
        "https://www.paypal.com/us/business/paypal-business-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#paypal-card-5000-fee"
    },
    {
      "stat_id": "paypal-card-5000-effective",
      "claim": "PayPal Invoicing · standard card: modeled effective fee rate on a USD 5000 payment: 3% (Public pricing checked September 12, 2026).",
      "value": 3,
      "unit": "percent",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Rounded processing fee ÷ payment USD 5000 × 100",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Rounded processing fee ÷ payment USD 5000 × 100",
      "input_stat_ids": [
        "paypal-card-5000-fee"
      ],
      "input_source_urls": [
        "https://www.paypal.com/us/business/paypal-business-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#paypal-card-5000-effective"
    },
    {
      "stat_id": "paypal-ach-5000-fee",
      "claim": "PayPal Invoicing · Pay by Bank: modeled processing fee on a USD 5000 payment: $10.00 (Public pricing checked September 12, 2026).",
      "value": 10,
      "unit": "USD",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Payment USD 5000 × 1%  ; capped at USD 10; round to cents per transaction.",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Payment USD 5000 × 1%  ; capped at USD 10; round to cents per transaction.",
      "input_stat_ids": [
        "paypal-ach-rate",
        "paypal-ach-cap"
      ],
      "input_source_urls": [
        "https://www.paypal.com/us/business/paypal-business-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#paypal-ach-5000-fee"
    },
    {
      "stat_id": "paypal-ach-5000-effective",
      "claim": "PayPal Invoicing · Pay by Bank: modeled effective fee rate on a USD 5000 payment: 0.2% (Public pricing checked September 12, 2026).",
      "value": 0.2,
      "unit": "percent",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Rounded processing fee ÷ payment USD 5000 × 100",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Rounded processing fee ÷ payment USD 5000 × 100",
      "input_stat_ids": [
        "paypal-ach-5000-fee"
      ],
      "input_source_urls": [
        "https://www.paypal.com/us/business/paypal-business-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#paypal-ach-5000-effective"
    },
    {
      "stat_id": "stripe-card-10000-fee",
      "claim": "Stripe Payments · online card: modeled processing fee on a USD 10000 payment: $290.30 (Public pricing checked September 12, 2026).",
      "value": 290.3,
      "unit": "USD",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Payment USD 10000 × 2.9% + USD 0.3  ; no published cap applied; round to cents per transaction.",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Payment USD 10000 × 2.9% + USD 0.3  ; no published cap applied; round to cents per transaction.",
      "input_stat_ids": [
        "stripe-card-rate",
        "stripe-card-fixed"
      ],
      "input_source_urls": [
        "https://stripe.com/pricing"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#stripe-card-10000-fee"
    },
    {
      "stat_id": "stripe-card-10000-effective",
      "claim": "Stripe Payments · online card: modeled effective fee rate on a USD 10000 payment: 2.9% (Public pricing checked September 12, 2026).",
      "value": 2.9,
      "unit": "percent",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Rounded processing fee ÷ payment USD 10000 × 100",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Rounded processing fee ÷ payment USD 10000 × 100",
      "input_stat_ids": [
        "stripe-card-10000-fee"
      ],
      "input_source_urls": [
        "https://stripe.com/pricing"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#stripe-card-10000-effective"
    },
    {
      "stat_id": "stripe-ach-10000-fee",
      "claim": "Stripe Payments · ACH Direct Debit: modeled processing fee on a USD 10000 payment: $5.00 (Public pricing checked September 12, 2026).",
      "value": 5,
      "unit": "USD",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Payment USD 10000 × 0.8%  ; capped at USD 5; round to cents per transaction.",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Payment USD 10000 × 0.8%  ; capped at USD 5; round to cents per transaction.",
      "input_stat_ids": [
        "stripe-ach-rate",
        "stripe-ach-cap"
      ],
      "input_source_urls": [
        "https://stripe.com/pricing"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#stripe-ach-10000-fee"
    },
    {
      "stat_id": "stripe-ach-10000-effective",
      "claim": "Stripe Payments · ACH Direct Debit: modeled effective fee rate on a USD 10000 payment: 0.05% (Public pricing checked September 12, 2026).",
      "value": 0.05,
      "unit": "percent",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Rounded processing fee ÷ payment USD 10000 × 100",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Rounded processing fee ÷ payment USD 10000 × 100",
      "input_stat_ids": [
        "stripe-ach-10000-fee"
      ],
      "input_source_urls": [
        "https://stripe.com/pricing"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#stripe-ach-10000-effective"
    },
    {
      "stat_id": "square-card-10000-fee",
      "claim": "Square Free · invoice card: modeled processing fee on a USD 10000 payment: $330.30 (Public pricing checked September 12, 2026).",
      "value": 330.3,
      "unit": "USD",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Payment USD 10000 × 3.3% + USD 0.3  ; no published cap applied; round to cents per transaction.",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Payment USD 10000 × 3.3% + USD 0.3  ; no published cap applied; round to cents per transaction.",
      "input_stat_ids": [
        "square-card-rate",
        "square-card-fixed"
      ],
      "input_source_urls": [
        "https://squareup.com/us/en/payments/our-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#square-card-10000-fee"
    },
    {
      "stat_id": "square-card-10000-effective",
      "claim": "Square Free · invoice card: modeled effective fee rate on a USD 10000 payment: 3.3% (Public pricing checked September 12, 2026).",
      "value": 3.3,
      "unit": "percent",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Rounded processing fee ÷ payment USD 10000 × 100",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Rounded processing fee ÷ payment USD 10000 × 100",
      "input_stat_ids": [
        "square-card-10000-fee"
      ],
      "input_source_urls": [
        "https://squareup.com/us/en/payments/our-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#square-card-10000-effective"
    },
    {
      "stat_id": "square-ach-10000-fee",
      "claim": "Square Free · invoice ACH: modeled processing fee on a USD 10000 payment: $100.00 (Public pricing checked September 12, 2026).",
      "value": 100,
      "unit": "USD",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Payment USD 10000 × 1% ; minimum USD 1 ; no published cap applied; round to cents per transaction.",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Payment USD 10000 × 1% ; minimum USD 1 ; no published cap applied; round to cents per transaction.",
      "input_stat_ids": [
        "square-ach-rate",
        "square-ach-minimum"
      ],
      "input_source_urls": [
        "https://squareup.com/us/en/payments/our-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#square-ach-10000-fee"
    },
    {
      "stat_id": "square-ach-10000-effective",
      "claim": "Square Free · invoice ACH: modeled effective fee rate on a USD 10000 payment: 1% (Public pricing checked September 12, 2026).",
      "value": 1,
      "unit": "percent",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Rounded processing fee ÷ payment USD 10000 × 100",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Rounded processing fee ÷ payment USD 10000 × 100",
      "input_stat_ids": [
        "square-ach-10000-fee"
      ],
      "input_source_urls": [
        "https://squareup.com/us/en/payments/our-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#square-ach-10000-effective"
    },
    {
      "stat_id": "paypal-card-10000-fee",
      "claim": "PayPal Invoicing · standard card: modeled processing fee on a USD 10000 payment: $299.49 (Public pricing checked September 12, 2026).",
      "value": 299.49,
      "unit": "USD",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Payment USD 10000 × 2.99% + USD 0.49  ; no published cap applied; round to cents per transaction.",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Payment USD 10000 × 2.99% + USD 0.49  ; no published cap applied; round to cents per transaction.",
      "input_stat_ids": [
        "paypal-card-rate",
        "paypal-card-fixed"
      ],
      "input_source_urls": [
        "https://www.paypal.com/us/business/paypal-business-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#paypal-card-10000-fee"
    },
    {
      "stat_id": "paypal-card-10000-effective",
      "claim": "PayPal Invoicing · standard card: modeled effective fee rate on a USD 10000 payment: 2.99% (Public pricing checked September 12, 2026).",
      "value": 2.99,
      "unit": "percent",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Rounded processing fee ÷ payment USD 10000 × 100",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Rounded processing fee ÷ payment USD 10000 × 100",
      "input_stat_ids": [
        "paypal-card-10000-fee"
      ],
      "input_source_urls": [
        "https://www.paypal.com/us/business/paypal-business-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#paypal-card-10000-effective"
    },
    {
      "stat_id": "paypal-ach-10000-fee",
      "claim": "PayPal Invoicing · Pay by Bank: modeled processing fee on a USD 10000 payment: $10.00 (Public pricing checked September 12, 2026).",
      "value": 10,
      "unit": "USD",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Payment USD 10000 × 1%  ; capped at USD 10; round to cents per transaction.",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Payment USD 10000 × 1%  ; capped at USD 10; round to cents per transaction.",
      "input_stat_ids": [
        "paypal-ach-rate",
        "paypal-ach-cap"
      ],
      "input_source_urls": [
        "https://www.paypal.com/us/business/paypal-business-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#paypal-ach-10000-fee"
    },
    {
      "stat_id": "paypal-ach-10000-effective",
      "claim": "PayPal Invoicing · Pay by Bank: modeled effective fee rate on a USD 10000 payment: 0.1% (Public pricing checked September 12, 2026).",
      "value": 0.1,
      "unit": "percent",
      "population": "Illustrative single domestic payment; not an observed merchant charge",
      "geography": "United States; USD",
      "observation_period": "Public pricing checked September 12, 2026",
      "publisher": "Workspace369 (calculation from cited primary inputs)",
      "source_title": "Payment Processing Cost Benchmarks 2026: Cards vs ACH: Workspace369 model",
      "source_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/",
      "source_locator": "Workspace369 calculation; see formula and input IDs in the download",
      "publication_date": "2026-09-12",
      "accessed_date": "2026-09-12",
      "primary_source": false,
      "method_notes": "Rounded processing fee ÷ payment USD 10000 × 100",
      "license_notes": "Attribute Workspace369 calculations; original input source rights remain with their producers.",
      "status": "verified",
      "kind": "calculated",
      "formula": "Rounded processing fee ÷ payment USD 10000 × 100",
      "input_stat_ids": [
        "paypal-ach-10000-fee"
      ],
      "input_source_urls": [
        "https://www.paypal.com/us/business/paypal-business-fees"
      ],
      "standard_error_percentage_points": null,
      "standard_error_locator": null,
      "cohort": null,
      "age_years": null,
      "surviving_establishments": null,
      "canonical_url": "https://workspace369.com/research/payment-processing-cost-benchmarks/#paypal-ach-10000-effective"
    }
  ]
}