Derrick Malone

Payment Processing March 20, 2026 9 min read

Credit Card Surcharge and Cash Discount Programs: Legal Ways to Offset Card Fees

Electronic payments have become the standard for many businesses across industries. Customers increasingly prefer to pay using credit cards, debit cards, and digital wallets because these methods are fast and convenient. While...

Merchant Services March 16, 2026 10 min read

Negotiating Better Merchant Fees: What Small Businesses Need to Ask For

Payment processing has become an essential part of modern business operations. Most customers today expect to pay using credit cards, debit cards, or digital wallets rather than cash. While these payment options...

Payment Processing March 13, 2026 10 min read

Payments for Nonprofits & Churches: Recurring Giving, Text-to-Donate, and Compliant Donor Receipts

Nonprofits and churches increasingly rely on digital payment tools to support their missions. In today’s world, it has become essential for nonprofit organizations to offer donors ease, flexibility, and transparency in making donations...

March 10, 2026 12 min read

Flat Rate Processing vs Tiered Pricing: Which Processing Model Saves More Money?

Payment processing costs are a significant expense for many businesses. Every time a customer pays with a credit card, debit card, or digital wallet, the merchant pays a fee to the payment...

Payment Processing March 4, 2026 10 min read

Interchange Fees Explained: How They Impact Small Business Profit Margins

For many small business owners, credit card payments are a necessity rather than a choice. Customers expect to swipe, dip, or tap their cards without hesitation. While card acceptance boosts sales, it...

Payment Processing February 24, 2026 10 min read

Practical Strategies to Reduce Credit Card Fees Without Switching Providers

For many businesses, credit card payments are essential to daily operations. Customers expect the convenience of swiping or tapping their cards, whether shopping online or in person. However, processing those transactions comes...

Payment Processing February 18, 2026 13 min read

Breaking Down Credit Card Processing Fees: What Small Businesses Are Really Paying

For most small businesses today, accepting card payments is not optional. Customers expect to pay with debit cards, credit cards, mobile wallets, and contactless tap systems. While this convenience helps drive sales,...

Merchant Services February 14, 2026 13 min read

Why Settlement Delays Happen: Factors That Impact Merchant Funding Speed

For most businesses, cash flow matters as much as sales. Completing a transaction is only part of the journey. The next critical step is receiving the funds in the merchant’s bank account....

Merchant Services February 10, 2026 11 min read

Chargebacks and Retrievals: What Merchants Should Understand Early On

For many merchants, accepting card payments is seen as a simple exchange. A customer pays, the transaction is approved, and the sale feels complete. In reality, a payment can remain open to...

Payment Processing February 2, 2026 11 min read

Payment Reconciliation: How Merchants Match Batches Deposits and Statements

For many merchants, accepting payments feels straightforward on the surface. A customer pays, the transaction is approved, and funds appear in the bank account days later. Behind the scenes, however, payment processing...

Derrick Malone

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