Derrick Malone

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...

Payment Processing January 27, 2026 11 min read

How Acquirers, Issuers, and Card Networks Connect the Payment Ecosystem

Every time a customer taps a card, shops online, or pays through a mobile wallet, a complex process runs quietly in the background. Money does not move directly from a customer’s bank...

Merchant Services January 21, 2026 12 min read

Common Merchant Services Questions Answered: A Beginner Education Guide

Starting to accept card and digital payments is an important step for any business, but it often comes with confusion and uncertainty. New merchants are quickly introduced to unfamiliar terms, pricing models,...

Merchant Services January 14, 2026 13 min read

Understanding Batch Times and Weekend Holds in Merchant Payouts

For businesses that accept card and digital payments, cash flow does not end when a customer completes a transaction. What happens after the payment is processed plays a major role in how...

Payment Processing January 7, 2026 13 min read

Card Present Payments vs Card Not Present Payments: How Processing Changes

The way people pay for goods and services has changed dramatically over the past two decades. Customers now move easily between shopping in physical stores, ordering online, paying through apps, and completing...

January 1, 2026 12 min read

How Payment Gateways and Processors Work Together

Digital payments have become a normal part of everyday life, whether someone is shopping online, paying a bill through an app, or subscribing to a service. While the payment itself often takes...

Payment Processing December 26, 2025 12 min read

Authorization, Clearing, and Settlement: The Three Stages of a Card Transaction

Every time someone taps a card at a store, enters details online, or pays through a mobile wallet, a complex financial process unfolds in the background. To the customer, the payment feels...

Derrick Malone

Recent posts by Derrick Malone