Credit Card Processing

  by Chai Jagarlamudi What Merchants Need to Know: 2026 Credit Card Surcharge Laws Across the U.S. Navigating the complex landscape of credit card surcharge laws is essential for businesses aiming to comply with state regulations while managing transaction costs. As of March 2025, the legality and limitations of surcharging vary across the United States. … Read more

If you’re a business owner trying to navigate the maze of credit card processing fees, chances are you’ve come across two main pricing models: interchange plus and flat rate. Both have their perks. Both have their drawbacks. And both can make or break your monthly margins if you’re not careful. So, which one should you … Read more

Credit card payments have become the standard for both in-person and online transactions, offering convenience and flexibility for customers and businesses alike. Understanding what credit card processing is and how it works is crucial for any business looking to optimize its payment solutions and manage costs effectively. At its core, credit card processing is the … Read more

The World of Swipe Fees is Under Scrutiny, How Do You Protect Your Business? In the modern era of digital transactions, where the swipe of a card or the tap of a smartphone can seamlessly complete a purchase, there’s a behind-the-scenes player that often goes unnoticed by the average consumer. Enter- swipe fees. Also known … Read more

Key Takeaways Understanding credit card processing terms directly impacts your fees, approval rates, and cash flow. Merchants who know the terminology negotiate better contracts and avoid hidden costs. Core concepts include how transactions move through authorization, batching, and settlement, who gets paid through interchange, assessments, and processor markups, and what risks exist around fraud, chargebacks, … Read more