Adam Moss Many business owners are surprised to learn that credit card processing rates often change twice each year; typically around April and October. These changes are often attributed to updates from the card brands, Visa and Mastercard. While that explanation isn’t entirely wrong, it also doesn’t tell the full story. Understanding how card pricing works can … Read more
Across the country, merchants are being hit with four- and five-figure fines for supposed “violations” of surcharging or dual pricing rules, often with little to no explanation of what went wrong or how to fix it. In this post, we’ll unpack what’s really happening behind these assessments, where most merchants go wrong, and what you can … Read more
Most business owners I meet are sharp, resilient, and focused. You’ve built something real out of grit and vision. You’re serving customers, creating jobs, and keeping your company moving forward every single day. But here’s the catch: sometimes the biggest threats to profitability don’t come from the outside. They’re not always theft, fraud, or a market … Read more
When it comes to credit card processing, there’s one question nearly every business owner asks right away: “What’s your rate?” It’s a natural place to start. After all, your processing fees affect every sale. But here’s the catch: while the rate is important, it’s only one piece of the puzzle. Focusing solely on finding the … Read more
Small business owners are facing a financial squeeze from all directions. Whether you run a local retail shop, a restaurant, or a service-based business, you’ve likely felt the rising cost of doing business over the past few months. A major driver? Tariffs. Tariffs, in essence a tax placed on imported goods, might sound like something … Read more
If you’ve ever looked in your bank account and saw money missing or opened your email to find a message from your payment processor saying a customer has filed a dispute, you’re not alone, and you’re not doing anything “wrong.” But knowing why disputes happen and how to respond the right way can save you … Read more
If you’re a business owner, chances are you don’t think much about your credit card processing company – until there’s a problem. And even then, switching to a new provider probably feels like a hassle for which you don’t have time. After all, you’re busy running your business, managing employees, and keeping customers happy. The … Read more
If you’re a business owner, you’ve likely faced a credit card dispute—or at least the looming threat of one. The reality is businesses are at a disadvantage, with any dispute, leaving them frustrated when they lose the dispute and the money paid when they know and believe in their hearts they are right, So, why … Read more
Let’s talk about something that confuses a lot of business owners: how to avoid paying credit card fees. As a business owner you are acutely aware that every time a customer swipes their card or you manually enter in a transaction, you’re paying a percentage of that sale to Visa, Mastercard and the card issuing … Read more
If you’re a business owner, you’ve probably looked at your credit card processing statement and thought, “Wait… why am I paying so much just to accept payments?” You’re not alone. Credit card processing fees can feel like a hidden tax on your hard-earned revenue, but there’s more to it than just banks and Visa/MasterCard trying … Read more