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Unique explains an alternative payment program designed to help qualifying businesses reduce the processing fees they pay directly. Availability, rules and savings vary by business.
Dated information with a practical explanation of what merchants should review.
Merchant-services reports published in 2026 say some Toast customers received processing-rate increase notices. No public Toast notice confirming a universal rate or effective date was found, so merchants should use their own written notice, agreement and statements to verify any change.
Read the detailed Unique alert →Beginning October 15, eligible person-to-merchant UPI payments above ₹2,000 will carry a 0.4% merchant fee. Retail groups have raised concerns about pressure on margins. This India-specific change does not apply to U.S. card-processing accounts.
Read the detailed Unique alert →Fiserv’s Fall 2026 card-brand update lists new Visa and Mastercard fees affecting specific transaction types, merchant categories and regions. These are not universal rate increases; merchants should confirm whether their processor passes through any applicable charge.
Read the detailed Unique alert →Reuters reports that SAP-backed Tereina launched payment technology allowing businesses to pay suppliers, employees and affiliates directly inside SAP using traditional currencies or stablecoins. Businesses should review availability, approval controls, reconciliation, currency conversion and total costs before adopting an embedded-payment workflow.
Read the October 6 Reuters report →BILL says eligible multi-entity accounts can now view vendors across linked companies in one list, filter by company, open vendor profiles and manage vendor credits within existing permissions. Businesses should review user access, entity ownership and accounting synchronization before rollout.
Review BILL’s October 6 update →Xero’s new UK report groups supplier payments into 0–30, 31–60, 61–90 and more-than-90-day bands to help businesses monitor payment behavior, cash flow and Fair Payment Code evidence. Merchants elsewhere can use the same discipline to identify delayed-payable bottlenecks.
Read the October 6 report →This alert remains published for 60 calendar days from September 11, 2026. Because Toast pricing can be account-specific, your own written notice and monthly statement are the controlling documents.
Reuters reports that India’s UPI network will introduce a 0.4% merchant discount rate on eligible person-to-merchant payments above ₹2,000 beginning October 15, 2026. Small merchants and person-to-person payments are exempt.
Retail and brokerage groups have objected, warning that the cost could pressure margins or encourage some merchants to prefer cash. This remains an India-specific development and does not change U.S. Visa, Mastercard, American Express or Discover pricing.
This alert remains published for 60 calendar days from October 5, 2026. Fiserv’s merchant update identifies the following new or updated network fees; applicability depends on transaction type, merchant category, card program, region and processor.
Ask your processor for the exact effective date, covered transactions and statement descriptor before estimating the impact on your account.