Credit Card Processing Blog
7 Best Virtual Terminal Solutions for Merchants [2023 Edition]

7 Best Virtual Terminal Solutions for Merchants [2023 Edition]

As payment processing becomes increasingly digital, both emerging and established businesses need to make sure they keep up with the latest payment trends.  With 83% of Americans now owning at least one credit card, virtual payment processing has taken on a new significance. A virtual terminal allows businesses to easily process transactions from any internet-capable […]

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PIN vs Signature Debit Cards: Similarities, Differences, and Fees

PIN vs Signature Debit Cards: Similarities, Differences, and Fees

Many small businesses don’t realize that although PIN and signature debit transactions may seem similar, they are actually quite different. In fact, a customer using the same debit card at a retail outlet—for the same amount—may translate to different transaction fees for the merchant, depending on the verification method they choose.  As such, merchants may […]

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Credit Card Convenience Fee Wording: Some Useful Scripts and Templates for Small Businesses

Credit Card Convenience Fee Wording: Some Useful Scripts and Templates for Small Businesses

The world may prefer cards, but for many merchants, the fees for accepting them eat into critical profit margins. Sadly, cash use is down year on year, and no credit card transaction is free. In 2021, cash payments accounted for 20% of all transactions, falling 6% from 2019. But it’s not consumers who automatically pay […]

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The Essential Guide to Provisional Credit: Everything You Need to Know

The Essential Guide to Provisional Credit: Everything You Need to Know

The United States payment processing solutions market continues its increasingly rapid growth. In May 2022, market research firm ReportLinker cited a market size of $90.9 billion for the year. By 2027, the payment processing solutions market is projected to reach $147.4 billion. This represents a 10.1% Compound Annual Growth Rate for the period. These impressive […]

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How to Implement Payment by Text in Your Small Business

How to Implement Payment by Text in Your Small Business

The payments industry’s continued evolution has brought new payment options like payment by text to the global marketplace. SMS or text messages are now utilized worldwide to make payments to different types of small businesses. In 2020, technology services provider Weave conducted a study of 350 small business owners and 380 customers. The company found […]

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