The real cost of card processing for Shopify merchants
See what card processing really costs Shopify merchants — domestic and international — and how much Quidkey Pay by Bank can save at A$50k to A$500k a month.
18 articles
Australia Is Banning Card Surcharges from October 2026. Here Is What Every Australian Merchant Needs to Know.
From 1 October 2026, Australian merchants can no longer surcharge Visa, Mastercard or eftpos. Here's what changes, what it costs, and how to prepare.
7 min read·Read article→
PayTo Explained: The Complete Guide for Australian Merchants Ready to Cut Card Fees
PayTo is Australia's real-time bank payment system. Learn how it works, the fee savings, how it handles fraud, and how to add Pay by Bank to your store.
5 min read·Read article→
The Missing Primitive in the Agent Economy
AI agents can do real work but can’t safely spend money. Bounded financial authority is the last missing primitive — and it’s hiding in plain sight.
5 min read·Read article→
Payment Links are live. Get paid instantly from anyone, with just a link.
Quidkey Payment Links let businesses request instant Pay by Bank payments with a shareable link, real-time tracking, and no integration required.
4 min read·Read article→
Open Finance in the US Part 3: Building a Pay By Bank in the US
Part 3 of our US open finance series explains what it actually takes to build Pay By Bank in the US, from ACH risk and reversals to cross-border acceptance.
12 min read·Read article→
Quidkey is Live on the Shopify App Store
Quidkey is now an approved Shopify payment partner. Add Pay by Bank to your checkout in a few clicks — lower fees, faster settlement, and one-click refunds.
4 min read·Read article→
Open Finance in the US: The Status of CFPB Rule 1033
The CFPB issued Rule 1033 to make consumer financial data access a legal right. Learn its current status and how Quidkey simplifies open finance.
11 min read·Read article→
We launched a new website in a day. Here's everything you need to know.
How we built and shipped the new Quidkey website in a single day using Claude Code and Cursor — and how our team now maintains it directly from Slack.
4 min read·Read article→
Open Finance in the US: How User Control Over Financial Data Benefits Both Businesses and Consumers
Learn how open finance in the US works, how it differs from EU/UK open banking, and how Quidkey solves fragmentation for global A2A payments.
8 min read·Read article→
Pay by Bank Refunds at Quidkey: Everything You Need to Know
Quidkey launches Pay by Bank refunds for Shopify merchants. Issue instant refunds from a dedicated balance without manual bank transfers or extra steps.
4 min read·Read article→
Quidkey Achieves SOC 2 Type II Compliance, Strengthening Security for Global Payments
Quidkey completes SOC 2 Type II audit by Sensiba LLP, validating enterprise-grade security for API-driven global payments infrastructure.
4 min read·Read article→
Quidkey: A Global Clearing House for Modern Payments
COO Bhavna Saraf explains how Quidkey uses APIs and AI to transform open banking into merchant-ready A2A payment solutions.
4 min read·Read article→
Quidkey Announces Strategic Partnership with Tryp.com to Power Next-Generation "Pay by Bank" Travel Payments
Quidkey and Tryp.com partner to deliver instant settlement and 3x lower payment costs for travel bookings using Pay by Bank.
4 min read·Read article→
Refunds, Rewards, and Real-Time Settlement: Unlocking Merchant Payments
Learn how Open Banking enables real-time settlement, seamless refunds, and loyalty rewards to improve merchant cash flow by 15-30%.
4 min read·Read article→
Quidkey and TransferMate Drive Down Card Costs for Merchants
Quidkey partners with TransferMate to offer merchants a faster, cheaper alternative to card payments using global A2A infrastructure.
4 min read·Read article→
Pay by Bank: The Future of Payments
Pay by Bank lets customers pay directly from their bank. Lower fees, instant settlement, no chargebacks. Learn how it works globally.
4 min read·Read article→
Open Banking Payments in the UK
Accept Open Banking payments in the UK with instant settlement, no chargebacks, and lower fees. Complete guide for UK merchants.
4 min read·Read article→
A2A Payments Explained: Why Traditional Payment Fees Hurt Merchants Profit Margins and How to Fix It
A2A payments offer 70% lower fees than cards, instant settlement, and zero chargebacks. Learn why UK merchants are switching.
4 min read·Read article→