Clearly Payments

JULY 23, 2025

PCI DSS and Secure Card Handling If your business accepts credit or debit cards, you must comply with the Payment Card Industry Data Security Standard (PCI DSS). Best practices: Use a clear, recognizable business name and billing descriptor. These are global rules designed to keep cardholder data secure.

Compliance

The Payments Association

JUNE 24, 2025

Why sustainability in payments matters We know that simply using a payment card has an environmental cost. According to the Dutch Central Bank , a single debit card transaction emits as much as leaving an 8-watt light bulb on for 90 minutes.

Innovation

Stax

MAY 7, 2025

The session covers topics including current regulations, changes to state laws, proper signage requirements, practical implementation strategies, and clarification on areas of industry confusion. He emphasized that offering alternative payment methods is not just a compliance requirement but also a customer service best practice.

ISVS

Payments Dive

JUNE 12, 2025

senators are proposing legislation that would create a task force to study payment scams and suggest ways for lawmakers and regulators to combat them , along with formulating industry best practices. The task force would also suggest best practices to coordinate anti-fraud efforts at the state, federal and local levels.

Law Enforcement

EBizCharge

JUNE 30, 2025

These surcharges are credit cards only, which means they generally can’t be applied to debit or prepaid cards. The purpose behind surcharging is simple: offset the fees businesses pay to process credit cards. Surcharges are applied to credit cards only; surcharging is not applied to debit cards.”

Credit Cards

Cardfellow

JUNE 7, 2025

Issuing Refunds When you process a refund for a customer who paid with a credit or debit card, your credit card processor reverses the sale and the customer is credited for the original purchase price. I’ll get into best practices to minimize refunds later in this article.

Accounts

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. This saves your customers valuable time at the point of sale by not needing to enter their card details manually. Apple Pay, Google Pay), or ACH transfers.

Use Case

EBizCharge

JUNE 24, 2025

First, your point-of-sale (POS) system must be able to apply a separate surcharge line item only to credit card transactions. You’ll also need to ensure your hardware can support this setup without applying the fee to debit cards or other non-credit payments. Second, clear signage is key. Stay within limits.

Credit Cards

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

EBizCharge

JUNE 26, 2025

Do You Need a Credit Card Surcharge Notice? Not every business adds a surcharge to credit card payments, but if you do, you may need to notify your customers, not just as best practice but by law. Charging debit cards. Know the difference between debit and credit. Many places don’t allow this.

Credit Cards

EBizCharge

JUNE 24, 2025

How to Add a Surcharge to Credit Card Transactions Once you understand the rules and decide that surcharging makes sense for your business, the next step is setting it up correctly. Best Practices for Communicating with Customers Being upfront with your customers makes a big difference. This prevents accidental violations.

Credit Cards

EBizCharge

APRIL 22, 2025

In addition to understanding the integration process, its important to understand best practices for managing Salesforce payments to ensure seamless payment operations. In addition to these best practices, businesses should consider various factors when choosing a payment provider for their Salesforce integration.

Payment APIs and Integration

Stax

APRIL 17, 2025

If the customer prefers credit/debit card payments, the cashier selects that payment option in the POS and prompts the customer to tap, swipe, or dip their card using the card reader. Implementation and Best Practices for Using a POS System Successful POS system implementation goes beyond software installation.

Online and Mobile Banking

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. It’s also worth distinguishing between surcharges, convenience fees, and cash discounting.

B2B

EBizCharge

MAY 22, 2025

Thankfully, this article will guide you through best practices for streamlining invoicing and billing processes to transform financial management and operations. Providing various options, such as credit and debit cards, Automated Clearing House (ACH) /eChecks, digital wallets, and more, can encourage timely payments.

Process

EBizCharge

JUNE 23, 2025

That means the system should: Apply the fee only to credit card transactions (not debit cards). Transparency is not just a best practice—it’s mandatory. Update your point-of-sale (POS) system. Your point-of-sale (POS)or eCommerce platform needs to support surcharges properly. Train your team. Test and monitor.

Credit Cards

Stax

FEBRUARY 19, 2025

Customers dont expect anything less than instant support these days (especially for debit card and credit card payments) and your team may not have the time and resources to offer that level of service as quickly as they need it. (Plus a stronger cash flow.)

Payments

Clearly Payments

OCTOBER 22, 2024

As a merchant, understanding how a PIN (Personal Identification Number) works with credit and debit card transactions is essential for running a secure and efficient payment process. This guide explains how a PIN functions in credit and debit card payments and its importance for merchants. What is a PIN?

Debit Card

VISTA InfoSec

FEBRUARY 25, 2024

Payment Information This encompasses full credit/debit card numbers, card verification codes, expiration dates, billing addresses, bank/routing account details, wire transfer logs, and other payment information. Partner with cybersecurity experts and put proven best practices into action this quarter.

Data Breach

Stax

DECEMBER 20, 2023

In the complicated world of payment processing, understanding the nuances of debit card and credit card payments, along with associated processing fees, is essential for businesses. TL;DR Card brands such as Visa and MasterCard along with state and federal laws prohibit debit card surcharging.

Debit Card

Stax

FEBRUARY 26, 2024

Updating customer payment information As customers may change their payment methods or card information over time, it’s crucial for businesses to have mechanisms in place to easily update this information to avoid disruptions in the payment process.

Best Practices

Stax

MARCH 6, 2024

By the end of this guide, you’ll have `a clear overview of its operational framework, strategic benefits, best practices, and advanced strategies to maximize this powerful, rapidly rising payment tool. TL;DR Recurring billing is a powerful solution to streamline processes and enhance revenue generation and customer engagement.

Best Practices

Stax

DECEMBER 20, 2023

Interchange fees vary significantly depending on the card issuer, the issuing bank, type of transaction and/or merchant type. Memorizing all of the nuances is impossible, but understanding the interchange rate range most common for your business is a good best practice.

Credit Cards

EBizCharge

JULY 25, 2024

These signs inform customers about the additional charges associated with using credit cards for payments. The signage is crucial because it clearly communicates to customers before they commit to a credit and debit card transaction. Compliance mandates clear visibility and legibility of such information at the point of sale.

Best Practices

Payment Savvy

MAY 10, 2024

Below are 7 best practices on how to reduce cart abandonment, thus increasing sales and profit for your ecommerce business. Common payment options to include in your checkout are: Credit and debit card Bank transfer Digital wallets (PayPal, Apple Pay, etc.) This guide contains those steps – and much more!

Best Practices

Stax

SEPTEMBER 26, 2024

Visa and Mastercard explicitly forbid surcharging on debit cards and prepaid cards to maintain consistency in processing costs. The amendment caps interchange fees for debit cards to reduce costs for merchants and consumers.

Credit Cards

PYMNTS

JULY 22, 2020

In a report last summer, Policy Genius noted there are a number of affinity credit cards that support the environment. Some credit cards provide a percentage of purchases to charity. Typically, the partner organization will receive donations of 0.08 percent of the purchase.

Credit Cards

Stax

APRIL 2, 2024

Enter credit card surcharging programs, an increasingly-common method that allows merchants to not incur expensive transaction fees from credit card transactions, and to instead pass it on to the consumer. In this article, we’ll cover everything you need to know about credit card surcharge signage to set you up for success.

Credit Cards

Stax

FEBRUARY 28, 2024

Can Credit Card Surcharges Be Passed to Customers Using a Debit Card? Surcharge fees cannot be added to debit card transactions or prepaid cards. This makes debit cards one of the alternative forms of payment your customers could select. It can also not be used on debit card transactions.

Credit Cards

PYMNTS

SEPTEMBER 23, 2020

For instance, online gaming sites’ payments strategies should give consumers a choice in how to pay — credit card, debit card, mobile wallet or even via a physical location where a customer can use cash. As for what makes for a good experience, Connors said it always starts with choice.

Debit Card

Stax

JULY 5, 2024

On the flip side, however, credit card fees can eat away at your profits since a percentage of each credit card transaction goes toward processing fees. A cash discount program offers reduced prices to customers who pay by cash instead of credit or debit cards. Learn More What Are Non Cash Adjustment Fees?

Adjustments

PYMNTS

JANUARY 13, 2021

Small Business Card Use On The Rise. A new survey from Mercator Advisory Group has revealed that small businesses are increasing their use of credit and debit cards, according to a recent press release. According to the report, SMBs increased their use of debit cards from 34 percent in 2019 to 42 percent in 2020.

Office of the Comptroller of the Currency

PYMNTS

NOVEMBER 10, 2020

announced a partnership with Crypto.com’s end-to-end crypto ecosystem, which consists of a Visa crypto debit card and a wallet app to buy and sell crypto and earn cash-back rewards in crypto form. We leverage that information before you get onboarded to get a card. Back in May, i2c Inc.

Cryptocurrency

Stax

AUGUST 22, 2024

Request Quote Why PayFacs Need an Effective Risk Management Strategy Payment facilitators remove the need for businesses to open merchant accounts of their own to accept payments like those from credit cards, debit cards, mobile wallets, etc. Follow these best practices for monitoring risks and dealing with them appropriately.

Risk Management

Stax

JANUARY 15, 2024

PCI DSS compliance, a global framework, mandates specific requirements and best practices for maintaining credit card data security. In the following sections, we’ll delve into the legal framework, compliance standards, and best practices to navigate the complexities of surcharging. Security audits.

Credit Cards

PYMNTS

AUGUST 5, 2019

The trick is find ways to cooperate and collaborate on those goals — even by sharing data and best practices — without compromising proprietary strengths. According to the lawsuit, Eaze allegedly got around that problem by processing payments thru a series of off-shore shell companies. “We

Due Diligence

Stax

DECEMBER 13, 2023

Card companies set the guidelines around credit card surcharge signs and flouting them can lead to your business’s merchant account being terminated. Design Principles for Surcharge Signs When it comes to credit card surcharge signs, there are certain design principles or best practices that you must keep in mind.

Credit Cards