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Competitor & industry watch
Pricing, fee and product changes merchants should know
Updated September 11, 2026. We monitor Toast, Square, Clover,
Lightspeed, Stripe and other payment platforms, using dated
sources so you can review changes for yourself.
Merchant-industry reports flag another Toast processing-rate
increase
Public merchant-services posts report that Toast notified many
customers of a 0.20 percentage-point card-present processing
increase beginning in September 2026. If you use Toast, check
your own email, agreement and statements—pricing and affected
card types may differ by account.
Payment networks continue investing in fraud prevention
Visa’s planned acquisition of BioCatch highlights growing
investment in behavioral fraud detection as scams and account
takeovers become more sophisticated.
AI assistants are moving closer to making payments
New AI assistants that can act across apps—including payment
tasks—make permission controls, transaction confirmation and
account security more important for businesses.
What this means for merchants: secure payments, integrated
business tools and flexible checkout options are becoming more
important. Unique Payment Technologies can help you review your
current setup and compare available options.
Competitor pricing alert · Published September 11, 2026
Reported Toast processing-rate increase for September 2026
Public merchant-services reports say Toast notified many customers about a 0.20 percentage-point increase on certain card-present processing rates beginning in September 2026. This report has not been independently confirmed through a public Toast pricing notice, and individual merchant pricing may differ.
What could this mean for a merchant?
A 0.20 percentage-point increase equals approximately $20 more for every $10,000 in affected card volume. At $50,000 in affected monthly volume, that is approximately $100 more per month—or $1,200 per year—before considering other rates, fixed transaction charges or account fees.
What should Toast merchants review?
Check your email notices, processing agreement and recent monthly statements. Compare the effective rate, card-present pricing, fixed transaction fees, software charges and any contract requirements. Your own written notice and statement are the controlling documents.
How Unique Payment Technologies can help
Our team can review a recent processing statement, explain the major charges in plain language and compare available payment and POS options for your business. A review does not require you to change providers.
Why payment networks are investing in behavioral fraud detection
Reuters reported that Visa agreed to acquire BioCatch, a company that uses behavioral signals to help detect account takeovers and scams. The announcement reflects continued investment in fraud tools as criminals use increasingly sophisticated methods.
What merchants should review
Confirm that staff use individual logins and multi-factor authentication, review unusual refunds and account changes, and know how to contact support when a transaction or login appears suspicious.
AI tools that can initiate payments raise new control questions
Reuters reported on a new AI assistant designed to act across connected apps, including payment-related tasks. The broader development shows why businesses should understand exactly what permissions automated tools receive before connecting financial accounts.
What merchants should review
Use the least access required, require human confirmation for transfers or refunds, protect administrator accounts with multi-factor authentication, and review connected applications regularly.