Derrick Malone

Payment Processing June 12, 2026 10 min read

EMV Technology Explained: Why Chip Card Security Still Matters

The way people pay for goods and services has changed dramatically over the past two decades. Cash transactions have steadily declined while card payments, digital wallets, and contactless purchases have become part...

Payment Processing June 5, 2026 13 min read

POS Troubleshooting: Common POS Terminal Problems and How Businesses Can Fix Them Quickly

POS systems have become one of the most important parts of modern business operations. Whether it is a retail store, restaurant, salon, supermarket, pharmacy, or service business, a POS terminal plays a...

Payment Processing June 2, 2026 10 min read

POS System Comparison Guide: Choosing the Right Setup for Your Business

The POS system is one of the most operationally consequential technology decisions a business makes, because it shapes how every customer transaction is processed, what operational data the business generates, how staff...

May 22, 2026 11 min read

NFC Payment Terminals: How NFC and Contactless Payments Are Reshaping Modern Checkout Experiences

The checkout moment has always been the final test of a retail or food service experience, the point where everything that happened before it either concludes smoothly or unravels in frustration. For...

May 18, 2026 10 min read

Change Payment Processor: When Should a Small Business Switch Payment Providers? A Cost-Benefit Analysis

The payment processor relationship is one of those business relationships that most small business owners set up once and then largely ignore until something goes wrong. You fill out the application, get...

Merchant Services May 13, 2026 16 min read

Improving Authorization Rates to Prevent Fee Waste and Transaction Loss

Every declined transaction represents a moment where a customer who intended to spend money at your business was prevented from doing so. Sometimes that declination is legitimate and appropriate, catching a genuine...

Payment Processing May 7, 2026 15 min read

Recurring Payment Processing Fees: Subscription and Recurring Billing Optimization to Minimize Payment Fees

Subscription businesses have a payment cost problem that looks small on any individual transaction and enormous when you add it up across the year. The recurring payment processing fees on a ten-dollar...

Payment Processing April 24, 2026 15 min read

Ecommerce Payment Fees: Managing Costs Across Sales Channels

Running a business across both physical and digital sales channels has become the normal operating model for a growing number of retailers, service businesses, and hospitality operators. Customers expect to be able...

Payment Processing April 16, 2026 16 min read

POS Optimization: Optimizing POS Systems to Lower Payment Acceptance Costs

Every business that accepts card payments is paying a cost that most business owners understand only in the vaguest terms. The monthly processing statement arrives, the fees get noted, and life moves...

April 10, 2026 13 min read

Debit vs Credit Card Fees: How Payment Mix Affects Processing Fees

Most small business owners know they are paying fees to accept card payments. Fewer understand that the type of card a customer uses at the register has a direct and sometimes significant...

Derrick Malone

Recent posts by Derrick Malone