Stax

DECEMBER 12, 2024

To choose a merchant service provider, compare pricing structures, review contract terms, check system compatibility, and prioritize responsive customer support. Check its scalability and security capabilities too to support your future growth. Check processing. It can also help minimize errors and risks of bounced checks.

Small Business 88

Small Business Online and Mobile Banking Volume Checks 88

EBizCharge

NOVEMBER 12, 2024

A merchant account is a business bank account that allows companies to accept payments, such as debit and credit card transactions, electronic funds transfers (EFTs), and Automated Clearing House (ACH) payments. With these protocols in mind, your business can better understand the importance of merchant accounts.

Accounts 52

Accounts MSPS Online and Mobile Banking Debit Card 52

Stax

MARCH 11, 2025

There are six main payment methods used in online payments, including credit & debit cards, digital wallets, ACH & bank transfers, direct debit, Buy Now, Pay Later (BNPL) services, and cryptocurrencies. It happens over and over again without people thinking much about it.

Online Payment Processing 88

Online Payment Processing Process Payment Gateways Online and Mobile Banking 88

Clearly Payments

JANUARY 21, 2025

Features Government Agencies Should Look For When upgrading payment systems, government agencies should prioritize the following features: Multiple Payment Channels: Support for credit/debit cards, ACH transfers , mobile payments, and alternative methods like cryptocurrencies.

Government Payments 59

Government Payments Governance Government PCI DSS 59

Stax

JUNE 24, 2025

Consumers are increasingly gravitating towards cashless payment options, including debit card and credit card payments, as well as online payments, contactless payments , and mobile credit card processing services. In today’s modern consumer landscape, cash is no longer king. and online payments.

Credit Cards 88

Credit Cards Process Processors Online and Mobile Banking 88

Stax

NOVEMBER 21, 2024

Whether you are starting a new online store or looking to grow your existing brick-and-mortar small business, you must make provisions for accepting credit card payments. A study by the Federal Reserve Bank of San Francisco showed that credit cards account for 31% of all payments, significantly more than cash at 18%, and debit cards at 29%.

Credit Cards 88

Credit Cards Small Business Process Credit Card Payment Processing 88

EBizCharge

JUNE 18, 2025

You must notify customers before they complete a transaction, and debit cards can’t be surcharged—even when processed as credit. This is a core rule across all major card brands and enforced under federal regulation by the Consumer Financial Protection Bureau. No fee applies to ACH or check payments.”

Best Practices 52

Best Practices Credit Cards B2B Alternative Payment Methods 52

Clearly Payments

MARCH 31, 2025

81% of small businesses accept credit and debit cards, while 37% accept digital wallets such as Apple Pay and Google Pay. Larger enterprises, however, are more likely to integrate advanced electronic payment systems, including ACH transfers and custom corporate payment solutions. Debit and credit card acceptance stands at 89%.

Small Business 59

Small Business Electronic Funds Transfer (EFT) Credit Cards Payments 59

EBizCharge

FEBRUARY 24, 2025

NetSuite can seamlessly integrate numerous payment methods like Automated Clearing House or ACH transfers, credit card payments, and other digital payment methods. Four common payment methods in NetSuite include: Credit and debit cards: Credit and debit cards are popular NetSuite payment methods due to their convenience and speed.

Payment Gateways 52

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

Stax

APRIL 3, 2025

They can range from traditional payments, such as credit/debit cards and ACH payments , to modern alternative methods, such as digital wallets, mobile transactions, Buy Now Pay Later (BNPL), and cryptocurrency. You can also add other security preferences like address verification (AVS) or card verification (CVV) checks.

Payment Solutions 88

Payment Solutions Payment APIs and Integration Payment Gateways Gateways 88

Stax

MARCH 5, 2025

How Can Internet Card Payment Processing Help My Business? From accepting credit cards and debit cards online to setting up your customized web store, there are various eCommerce solutions that can assist when in-person payments arent an option. Payment gateways step in when a customer is about to check-out online.

Credit Card Payment Processing 88

Credit Card Payment Processing Credit Cards Process Payment Gateways 88

Clearly Payments

NOVEMBER 6, 2024

Issuing Bank (Cardholder’s Bank) : The issuer is the financial institution that provides the consumer with a payment card (credit, debit, or prepaid). When a transaction request is routed to the issuer, it verifies the cardholder’s credentials, checks for sufficient funds or credit, and approves or declines the transaction.

Process 105

Process ISOs Credit Cards Online and Mobile Banking 105

My Payment Savvy

JUNE 16, 2025

Most gateways accept credit and debit cards, but some also handle electronic payments through digital wallets, ACH direct debit, and alternative payment options. Card Network Checks the Request The processor routes the transaction through the card networks (like Visa, Mastercard, AmEx).

Payment Gateways 52

Payment Gateways Gateways Online and Mobile Banking PCI DSS 52

EBizCharge

JUNE 19, 2025

You must notify customers before they complete a transaction, and debit cards can’t be surcharged—even when processed as credit. This is a core rule across all major card brands and enforced under federal regulation by the Consumer Financial Protection Bureau. No fee applies to ACH or check payments.”

Best Practices 52

Best Practices Credit Cards B2B Legal 52

Stax

MAY 13, 2025

Talk to sales What Are Credit Card Merchant Services? Credit card merchant services are the systems, tools, and agreements that allow businesses to accept payments via credit and debit cards. While all credit card processing companies help you accept credit and debit cards, how they structure fees can vary.

Credit Cards 88

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

EBizCharge

NOVEMBER 27, 2024

An Internet merchant account (IMA) is a type of banking account that allows online businesses to accept credit and debit card payments. Fraud detection and security tools: Merchant accounts often include tools and standards to prevent fraud and enhance security, including Payment Card Industry Data Security Standards (PCI-DSS).

Accounts 52

Accounts Payment Gateways Gateways Payment APIs and Integration 52

Stax

JANUARY 21, 2025

This gives customers maximum flexibility over how they want to paywhether that be ACH (bank account transfers), digital wallets, to credit and debit cards. Depending on how your page has been set up, this could include a field to enter credit card details, ACH information , Apple Pay or Google Pay, etc.

Use Case 88

Use Case Online and Mobile Banking Payments ACH 88

EBizCharge

FEBRUARY 26, 2025

Check if it handles electronic payment methods efficiently. This step checks that everything functions correctly before you go live. Check transaction flow: Verify that payments are correctly authorized, captured, and recorded in NetSuite. Compatibility is key for smooth payment workflows.

Credit Cards 52

Credit Cards Process Payment Gateways Payment APIs and Integration 52

EBizCharge

JUNE 23, 2025

QuickBooks doesn’t stop you from surcharging in states where it’s restricted (like Connecticut or Massachusetts), or from applying fees to debit cards, which isn’t allowed. You either add the fee upfront and hope they don’t choose ACH or wait until payment and scramble to edit. And if they switch to a debit card or ACH?

Credit Cards 52

Credit Cards Debit Card ACH B2B 52

EBizCharge

JUNE 24, 2025

A convenience fee, on the other hand, is charged for using an alternative payment channel—like paying online instead of by check. They’re treated differently under both state laws and card network rules. Before applying a small business credit card surcharge, it’s essential to do your homework. The answer depends on your state.

Credit Cards 52

Credit Cards Small Business Card Network Rules Rules 52

Stax

JUNE 24, 2025

The purpose of interchange fees is to compensate the issuing banks for the risks and costs associated with processing and managing credit card transactions. Interchange fees vary based on factors such as the type of credit card used (personal or business credit card), alternative cards (debit cards, rewards cards, etc.),

Credit Cards 88

Credit Cards Process Processors Laws 88

EBizCharge

MARCH 20, 2025

Enhanced cash flow management: Integrating a gateway into Sage enables real-time processing of credit and debit card payments, helping merchants collect outstanding invoices faster. Increased payment flexibility: Businesses can accept various payment methods, including credit, debit, and Automated Clearing House (ACH) /eCheck payments.

Payment Gateways 52

Payment Gateways Gateways Payment APIs and Integration Payments 52

EBizCharge

MAY 1, 2025

Credit card processing fees are the costs associated with card transactions that businesses must pay to accept and process credit or debit cards from customers. and can cover the costs associated with transferring funds between banks, fraud prevention, and compensating card networks, payment processors, and issuing banks.

Credit Cards 52

Credit Cards Process B2G Processors 52

Stax

NOVEMBER 14, 2024

Interchange rates vary based on the type of card you are running. The more expensive it is for the credit card company to maintain the card–rewards, cashback, perks–the more expensive the interchange. In other words, debit cards are more economical while business credit cards are typically the most expensive.

Credit Cards 88

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

Stax

APRIL 8, 2025

Talk to sales How Credit Card Processing Fees Work Whenever customers swipe, tap, or dip their credit or debit cards at a payment terminal, it sets a complex network in motion, resulting in approval or rejection of the payment. For the latest figures, check with your card network or payment processor. to 3.30%+ $0.10

Credit Cards 88

Credit Cards Process Processors Push-to-Card 88

EBizCharge

JULY 7, 2025

states prohibit surcharges altogether, and the card brands (like Visa and Mastercard) have rules around how they must be disclosed and applied. For example, you typically can’t apply a surcharge to debit card transactions—only credit. No surcharge applies to ACH or check payments.”

B2B 52

B2B Credit Cards Processing Costs Rules 52

EBizCharge

JUNE 16, 2025

8 common features of enterprise merchant services Merchant accounts are specific types of bank accounts that allow enterprise merchants to accept credit, debit, Automated Clearing House (ACH)/eCheck, and other payments. This account holds funds from sales until they’re deposited into a business’s primary bank account.

Payment APIs and Integration 52

Payment APIs and Integration Online and Mobile Banking Volume Transactions 52

The Paypers

JUNE 27, 2025

Its prepaid debit card platform and disbursement management infrastructure make it simple and efficient to launch, scale, and measure the impact of fund distribution initiatives, enabling instant delivery of funds to individuals with no bank account required.

Debit Card 36

Debit Card Payment APIs and Integration BSA Stablecoins 36

EBizCharge

JULY 1, 2025

It also doesn’t ensure you’re staying compliant with card brand rules or state laws. Some Square users also try increasing prices to account for card fees. That can work, but it affects all customers’ cash, check, or credit card, and it might not sit well with your regulars.

Process 52

Process Credit Cards Rules Laws 52

Stax

OCTOBER 14, 2024

Check for Tech Stack Compatibility Compatibility is key when integrating a payment processor into your business systems. While this seems like it may be the most straightforward at face value, it can be a very expensive pricing structure as you will pay the same rate to accept a debit card as a premium rewards credit card.

Processors 88

Processors Small Business Payment APIs and Integration Payments 88

Stax

NOVEMBER 11, 2024

ACH transfers, or payments made through the Automated Clearing House network, account for billions of dollars in payments annually. In fact, NACHA, the nonprofit that governs the ACH payments network reported 6.1% The average consumer commonly uses the ACH network for automated bill payments and larger transactions. in Q4 2021.

ACH 88

ACH Checks Identity Theft Payments 88

Payment Savvy

NOVEMBER 8, 2022

Two of the more common methods are known as ACH and EFT transfers. Time for a deep dive, but first, let’s have a basic, simple-terms introduction to the two services before looking closer at ACH vs. EFT payments and transfers. What Exactly is an ACH? Depending on your end goal, there are a few different types of ACH.

ACH 98

ACH Payments Debit Card Online and Mobile Banking 98

PYMNTS

JULY 28, 2020

Consumers are also changing how they pay for their purchases, with a recent study finding that debit card spend was up 11.7 Consumers today are especially likely to use their debit cards for their eCommerce purchases or to make in-store purchases with mobile wallets, and card-not-present (CNP) transactions represented 43.1

Debit Card 85

Debit Card Online and Mobile Banking Treasury Governance 85

Stax

APRIL 23, 2024

ACH payments are a convenient way for business owners, individuals, and employers to use intuitive automated banking throughout their daily lives. Most small business owners and employers are turning to ACH payments instead paper check payments because of the ease and instant access the ACH network provides.

ACH 88

ACH Direct Deposit ACH Network Wire Transfer 88

PYMNTS

JULY 5, 2017

checks a month in 2015, down from an average of 66 per month in 2000. Meanwhile, ACH payments increased, with businesses sending an average of 29.8 According to the report, the value of ACH transfers and checks combined reached $148.5 According to the report, the value of ACH transfers and checks combined reached $148.5

Fed 51

Fed ACH Checks Federal Reserve 51

PYMNTS

NOVEMBER 21, 2016

Same Day ACH payments are gaining traction right out of the gate, with nearly $5 billion and 3.8 At present, the ACH same-day conduit exists across credit, but the roadmap less than a year out mandates same-day debit transactions. So, this Same Day ACH is going to improve ACH [as a process] dramatically.

ACH 75

ACH Same Day ACH Online and Mobile Banking Payments 75

PYMNTS

JUNE 24, 2019

In B2B payments, corporates’ continued use of paper checks confounds FinTech firms working to give businesses more affordable, faster and more efficient payment options. Yet, for many business payers, the reason for using checks can be quite straightforward: It’s simply the way payments have always been made. and Europe.

ACH 74

ACH Payment APIs and Integration Business Payments Checks 74