Cost Analysis of Payment Systems for Small Retailers (heise.de)

• Evaluation of seven payment providers for SMEs
• Identification of hidden costs like hardware leases
• Risk assessment of opaque pricing models

"A comparative study of seven payment service providers for small merchants reveals how transaction fees, hardware leasing, and hidden contract clauses impact profitability. The report warns against simplistic price comparisons, highlighting the necessity of a granular cost-benefit analysis for digital financial infrastructure."