The High Cost of Free: What Cheap Card Processing Rates REALLY Cost You

Tips for Small Businesses

Business owners see a lot of costs in a lot of areas.  One that seems to aggravate more than most though, is the cost to process a credit card transaction.   It s...

A Merchant’s Guide to Taking Control of Chargebacks

Why They Happen. How to Stop Them.

It’s critical that all merchants who accept credit cards – or are thinking about adding this convenience for their customers – fully understand what chargeback...

Wireless Card Processing Terminals: What You Need to Know

It's MORE than just a hardware decision!

We live in a largely wireless world. Phones went cordless decades ago. Laptops are no longer tied to an ethernet cable. Tablets and cell phones allow us to wander pr...

Big Change in Card Transaction Signature Requirements

Good news for those of you running credit card sales on EMV-accepting terminals.  In April of this year, the four major card brands (Visa, MasterCard, American Expr...

Pros & Cons of Cash Discount Programs

Are They an Alternative to Credit Card Surcharging?

The public loves their credit cards!  A 2017 survey showed that we prefer our credit cards nearly 3:1 vs cash.  Of course, accepting cards means paying card proces...

Accounting for Credit Card Processing Fees

We are nearing the time when cash-only small businesses will be making their final curtain call. For years, some small businesses dealt in cash or checks because get...

What is EMV Non-Compliance?

And why am I being charged for it?!?

Maybe you haven’t switched because you’re afraid of costs. Maybe you’re worried about training your staff. Or maybe you just think that changing will be a hass...

Cash Discounts & Credit Card Surcharges Explained

Beware the Hidden Cost of Doing a Cash-Only Business

It makes good business sense to accept credit cards. Not only do many people pay exclusively with credit cards, but those paying with a card tend to spend more. (Itâ...

Payment Processor vs. Payment Gateway — Any Difference?

If you’re a small business owner, you may sometimes feel overwhelmed by all of the details of running your own business, not to mention the new vocabulary that com...

Credit Card Declined – Error Code Guide

It’s hard on a customer when their credit card is declined during a purchase. Frequently they feel embarrassed or get angry and, in a brick and mortar store, it's...