Clearly Payments

MARCH 4, 2025

Analyzing Payment Processing Costs Many business owners assume they are paying lower fees than they actually are. The effective rate is the total processing cost divided by total sales volume and is the true measure of what a business is paying. We’ve seen some merchants pay 10%.

Small Business 52

Small Business Process EMV Processors 52

Stax

MARCH 11, 2025

The merchant account : this is a special bank account that allows you to accept and process credit and debit card payments. The acquiring bank : the is the financial institution that issued the merchant account and receives the funds from the transaction into that merchant account until the payout date.

Online Payment Processing 88

Online Payment Processing Process Payment Gateways Online and Mobile Banking 88

EBizCharge

JUNE 12, 2025

For Canadian businesses navigating the increasingly complex world of payment processing, having a reliable and efficient merchant account is essential. This article will explore what Canadian merchant accounts are, common challenges they face, and how EBizCharge can alleviate those challenges.

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Process Accounts Payment Gateways Gateways 52

The Fintech Times

MARCH 19, 2025

The research was published in Juniper Research ‘s Global Network Tokenisation Market: 2025-2029 report , and predicts that the growth of network tokens will mean they are better placed to fight fraud, lower processing costs and streamline checkout experiences for users in the future.

Research 71

Research Processors Visa Processing Costs 71

Clearly Payments

JANUARY 21, 2025

Efficiency Gains: Digital payment systems reduce processing costs by an average of 40%, as reported by the Government Finance Officers Association (GFOA). The post Modernizing Government Payment Systems for Efficiency and Trust appeared first on Credit Card Processing and Merchant Account.

Government Payments 59

Government Payments Governance Government PCI DSS 59

Stax

JANUARY 21, 2025

They validate the customers payment details, ensure there are enough funds to complete the transaction, approve the transaction, and transfer money to the merchant account. Two-Factor Authentication (2FA) – 2FA is an additional layer of data security that avoids unauthorized access to customer accounts.

Payment Gateways 88

Payment Gateways Gateways PCI DSS Payment APIs and Integration 88

Stax

MAY 6, 2025

Other businesses may consider a more feature-rich platform to account for the integration of a variety of online and in-store payments into a single payment platform. Field service professionals often use these solutions to accept credit card payments directly into their app accounts. How Are Credit Card Payments Processed?

Credit Cards 88

Credit Cards Online and Mobile Banking Payment APIs and Integration Credit Card Payment Processing 88

Stax

MAY 13, 2025

These services enable you to process credit card payments online, in person, and on the go, and include everything from secure payment gateways to merchant accounts and point of sale (POS) systems. The Components of Payment Processing Behind every transaction is a connected ecosystem that makes it all possible.

Credit Cards 88

Credit Cards Payment APIs and Integration Processors Online and Mobile Banking 88

Fintech Finance

JUNE 5, 2025

Through integrating their respective technologies, Trustly and Point & Pay verifies bank accounts in real-time, using customers’ online banking credentials via single sign-on to confirm routing information and availability of funds. Together, we have set a new standard for the industry.”

Government Payments 59

Government Payments Governance Government CFPB 59

Clearly Payments

FEBRUARY 10, 2025

for every $1 disputed due to fees, lost inventory, and operational costs. Fraud-related chargebacks account for 70% of all disputes. The chargeback rate should stay below 1% going above this can lead to fines or even account termination. Here are some chargeback facts: Small businesses lose an average of $3.75

Small Business 65

Small Business Process Address Verification System (AVS) Cross-Border 65

Evolve Payment

APRIL 3, 2025

We help businesses like yours lower their payment processing costs while keeping things easy and efficient. QuickBooks integration: We sync directly with your accounting software, eliminating manual data entry and errors. Lower fees with the same functionality Reduce costs while keeping your business running smoothly.

Credit Cards 52

Credit Cards Process Processors Processing Costs 52

Stax

NOVEMBER 14, 2024

There are also risk holds—a routine procedure that most companies experience within the first few weeks of processing with a new merchant services account. Credit Card Processing: The Parties Involved There are several parties involved when your customers swipe their cards. Issuing Bank: The cardholder’s bank.

Credit Cards 88

Credit Cards Process Online and Mobile Banking Payment APIs and Integration 88

Stax

JULY 7, 2025

In this post, we’ll explore what surcharging entails and how it helps you tap into zero percent credit card processing. TL;DR Surcharging is a method for businesses to offset credit card processing costs by passing them on to customers. To understand surcharging, you have first to understand credit card processing costs.

Credit Cards 88

Credit Cards Process Processors Debit Card 88

Stax

JUNE 23, 2025

Businesses use ACH API integration to lower payment processing costs, streamline high-volume or recurring payments, and improve payment status visibility. An ACH API is a type of application programming interface that enables businesses to initiate, process, and track ACH payments electronically through the ACH network.

ACH 88

ACH API Payment APIs and Integration ACH Network 88

EBizCharge

MARCH 20, 2025

Integrating a payment gateway into Sage accounting software provides numerous advantages for merchants, including streamlined payment processes, improved cash flow, and enhanced security. The Sage software can also sync with payment gateways to facilitate secure and quick payment processing for various industries and business sizes.

Payment Gateways 52

Payment Gateways Gateways Payment APIs and Integration Payments 52

Cardfellow

APRIL 5, 2025

With its minimal underwriting and fast setup, it lowered the barriers to entry for small businesses seeking credit card processing. Suddenly, business owners could download an app, sign up for an account, and accept credit cards within days or even hours. Its a far cry from the early days of 2.75% flat rate.

Processors 52

Processors Credit Cards Multi-Currency Transactions 52

EBizCharge

FEBRUARY 24, 2025

Credit cards can also be used as stored payment methods for recurring payments to simplify the accounts receivable (AR) process. Electronic funds transfers (EFTs): Like ACH payments , EFTs are commonly used in NetSuite for their efficiency since they enable direct money transfers from one account to another.

Payment Gateways 52

Payment Gateways Gateways Electronic Funds Transfer (EFT) Wire Transfer 52

EBizCharge

JUNE 19, 2025

But with rising credit card processing fees , B2B businesses are caught between convenience and margin protection. That’s where credit card surcharging comes in: a legal and innovative way to offset processing costs. Next Steps: Ready to lower your processing costs?

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Best Practices Credit Cards B2B Legal 52

EBizCharge

JUNE 18, 2025

But with rising credit card processing fees, B2B businesses are caught between convenience and margin protection. That’s where credit card surcharging comes in: a legal and innovative way to offset processing costs. Next Step: Ready to lower your processing costs? How do I calculate the surcharge amount?

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Best Practices Credit Cards B2B Alternative Payment Methods 52

Cardfellow

MAY 19, 2025

So it’s true that there is no initial cost with an equipment lease. Instead, it drains your bank account over a period of two to four years, in the form of that monthly payment. Not to mention that processors usually sell equipment at or near cost with a new credit card processing account.

Credit Cards 69

Credit Cards Processors Agreements ISOs 69

Stax

MARCH 5, 2025

To help you understand the larger advantages of online merchant account services , here is a quick overview of their most common benefits. Learn More Cater to a Large Set of Customers The online payments process allows your business to accept credit card payments in an easy yet efficient way.

Credit Card Payment Processing 88

Credit Card Payment Processing Credit Cards Process Payment Gateways 88

EBizCharge

JULY 7, 2025

Credit card processing fees are one of those line items that quietly eat away at margins. As these payment processing costs continue to rise, companies are looking for practical ways to offset them without overhauling their pricing models. Which fees you’re still absorbing as part of your broader payment processing costs.

B2B 52

B2B Credit Cards Processing Costs Rules 52

Stax

APRIL 10, 2025

You also need a payment services provider that supports your chosen payment methods, but that providers platform must integrate seamlessly with your existing CRM, ERP, payroll, CMS, and accounting software systems. You will need POS terminals to accept and process in-person card payments.

Small Business 88

Small Business Wire Transfer BNPL ACH 88

Cardfellow

JULY 21, 2025

The Starter Plan does not include item variant capabilities, such as listing an item in inventory and accounting for variations (such as size or color) within that record instead of creating multiple records. For reporting, every plan comes with detailed sales and tax reports and can integrate with Xero or QuickBooks for accounting purposes.

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Database Transactions Processors Credit Cards 52

The Payments Association

JUNE 16, 2025

Momentum for open banking solutions will continue growing beyond this year, so merchants need flexible and scalable payment processes that meet consumers' evolving needs for fast and secure payments."

Innovation 88

Innovation Cross-Border Fraud Prevention Payments 88

Clearly Payments

JULY 22, 2025

These businesses face limited access to traditional payment processing, higher fees, and frequent account shutdowns, despite collectively processing billions of dollars annually. Costs of Processing for High-Risk Merchants High-risk merchants pay significantly more to accept payments compared to standard businesses.

Risk 84

Risk Processors Legal Shutdown 84

Stax

MARCH 27, 2025

TL;DR: Electronic Funds Transfer (EFT) is the umbrella term for all electronic payments made between bank accounts. Automated Clearing House (ACH) is one type of EFT that processes payments in batches through the ACH Network. For businesses, a fast and seamless payment process means happy customersand the statistics show it.

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ACH Electronic Funds Transfer (EFT) Wire Transfer Wire 88

EBizCharge

JULY 3, 2025

Rather, it typically refers to providers that don’t charge recurring monthly fees for maintaining your account. The best solution will integrate smoothly with the tools you’re already using—whether that’s a point-of-sale (POS) system, accounting software, or an eCommerce platform.

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Process Credit Cards Payment APIs and Integration Processors 52

Fintech Finance

JUNE 18, 2025

Combined with Checkout.com’s Real-Time Account Updater, which automatically updates a customer’s card details when they change, and Network Tokenization, this has increased transaction-level acceptance rates while reducing processing costs.

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AI Technology Payments CRM 52

Stax

JUNE 24, 2025

TL;DR Credit card processing fees eat into the profits of small businesses. Surcharging offers a way to pass credit card processing costs to the customer, letting businesses keep their earnings. Request a Quote Quick FAQs about Surcharging Q: What is surcharging in credit card processing?

Credit Cards 88

Credit Cards Process Processors Laws 88

Cardfellow

JULY 16, 2025

This business paid about $78 over the real interchange cost. That doesn’t account for other fees that will be paid to the processor. This is strictly the hidden costs of manipulated interchange plus pricing. We then also include what the business was actually charged and calculated the overage.

Credit Cards 64

Credit Cards Process Processors Small Business 64

Stax

MAY 23, 2025

This involves: Merchant onboarding: Collecting business details and verifying accounts so your users can start accepting payments. Payment processing: Authorizing and settling transactions in real time. Payouts and reporting: Ensuring funds reach the merchants bank account and offering tools to track and manage transactions.

ISVS 88

ISVS Best Practices Payment APIs and Integration Enrollments 88

Cardfellow

APRIL 20, 2025

Looking to lower your processing costs? Start with a free CardFellow account to compare real pricing from processors side by side, with independent expert guidance. The post Mastercard Commercial Interchange – Data Rate 1 and 2 appeared first on CardFellow Credit Card Processing Blog. Try it now !

Visa 52

Visa Commercial Card Processors Credit Cards 52

EBizCharge

MAY 1, 2025

If the dispute is resolved in favor of the customer, the merchant is charged a fee to cover the processing cost of reversing the transaction. As a result, businesses that qualify for level 2 and 3 processing can significantly lower their credit card processing costs, improving their margins on high-ticket or frequent transactions.

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Credit Cards Process Processors B2G 52

EBizCharge

JUNE 19, 2025

If you’re a business owner looking for ways to cut down on credit card processing costs, adding a surcharge might be one option worth considering. The goal is simple: to help offset the credit card processing fees you’re already paying to accept those cards.

Credit Cards 52

Credit Cards Debit Card Card Network Rules Processors 52

EBizCharge

JUNE 17, 2025

As payment processing costs continue to rise, many businesses are looking for ways to offset these fees. Two popular options—credit card surcharges and convenience fees —can help recover some of these costs. Used by merchants who want to keep prices competitive without absorbing card processing costs.

Credit Cards 52

Credit Cards Legal Rules Debit Card 52

Nanonets

MAY 23, 2025

Automated document processing Automated email import workflow Getting invoices and purchase orders into your accounting system is often the first bottleneck.   These efficiency gains translate directly to bottom-line benefits: lower processing costs, better cash flow management, and more time for strategic financial activities.

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Automation AI Duplicate Process 52