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Chai Jagarlamudi

Payments in 2026: Trends Small Businesses Must Know to Stay Ahead

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  TL;DR Payments in 2026 move faster and feel more “invisible,” which changes cash flow and risk. Tap-to-Phone becomes a practical option for starting fast and accepting payments anywhere. AI shopping pushes checkout into chat, links, and embedded experiences—not just websites. Fraud shifts toward social engineering, so layered controls and better dispute proof matter. Privacy … Read more

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Credit Card Decline Codes: What They Mean in 2026 (and How to Fix Them Fast)

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TL;DR Credit card decline codes usually aren’t “random.” They’re signals. In 2026, declines are happening more often because fraud controls are tighter, banks are faster to block suspicious activity, and customers are using more digital wallets and newer card types. If you want fewer declines (and fewer awkward “uhh… it’s not working” moments), you need: … Read more

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Pay by Bank in 2026: Should Your Business Offer It?

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  At some point, every business owner has looked at their processing costs and said:“Wait… I’m paying how much so someone can tap a phone like they’re casting a spell?” That’s exactly why pay by bank for small business is becoming a bigger conversation in 2026. It’s not a magic wand. It’s not going to … Read more

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How to Read Your Credit Card Processing Statement (Without Needing a Finance Degree)

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If you’ve ever opened your monthly statement and thought, “Cool… I’m being billed in hieroglyphics,” you’re in good company. A credit card processing statement is one of the most important documents in your business because it answers three questions that directly impact profit: How much did I run? How much did I pay to accept … Read more

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Checkout Mistakes That Are Costing Small Businesses Money (And How to Fix Them in 2026)

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  Most small business owners focus on marketing, staffing, pricing, and inventory. But there’s one place where profits quietly leak every single day — the checkout. Checkout mistakes don’t always look dramatic. There’s no alarm when a customer walks away. No notification when a card declines unnecessarily. No report that shows how many people didn’t … Read more

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Trump’s Marijuana Schedule III Move: What It Changes (and What It Definitely Doesn’t)

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  On December 18, 2025, President Donald Trump signed an executive order telling federal agencies to expedite and complete the process of moving marijuana from Schedule I to Schedule III under the federal Controlled Substances Act (CSA). That’s the headline. And yes—this is a big deal. But it’s also the part where people sprint past … Read more

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Merchant Account vs Payment Aggregator: What’s the Difference and Which Should You Choose?

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Choosing how your business accepts payments is not just a technical decision—it’s a structural one. One of the most common (and most misunderstood) comparisons business owners face is merchant account vs payment aggregator. At first glance, both options allow you to accept credit and debit cards. But beneath the surface, they operate very differently. Those … Read more

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Clover Dashboard: The 2026-Level Control Panel for Your Business

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Most POS systems get judged by what happens at the register. That’s a mistake. The register is the front door—but the real profit and control live in the back office. That’s where the clover dashboard matters. If you’re using Clover (or considering it), the clover dashboard is the web-based command center where you manage the … Read more

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Credit Card Processing for Churches: A Practical Guide to Modern Giving

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Churches today operate in a very different financial environment than they did even ten years ago. Congregations are more mobile, fewer people carry cash or checks, and donors increasingly expect to give online, by card, or through recurring digital methods. As a result, credit card processing for churches has shifted from a “nice-to-have” option to … Read more

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Why Customers File Chargebacks (and How Businesses Can Prevent Them)

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When customers file chargebacks, it’s rarely because they understand the dispute process or want to harm a business. In most cases, chargebacks are filed because something went wrong—or because the chargeback felt like the fastest path to a refund. For businesses, the cost of chargebacks extends far beyond the transaction amount. Each dispute can include … Read more

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