Disclaimer
This page sets out the general disclosures that apply to all content published on the Brookside Payments website — including blog posts, pricing pages, calculators, comparison guides, glossary entries, and statement-review materials. By using this website, you acknowledge the terms below. For questions about anything on this page, email hello@brooksidepayments.com.
Not legal, tax, or accounting advice
All content on this website is provided for general informational and educational purposes only. It is not legal advice, tax advice, accounting advice, or financial advice, and no attorney-client, accountant-client, or fiduciary relationship is created by reading this site, contacting us through it, or requesting a statement review. Payment processing rules, state laws, card brand rules, and tax treatment can vary by jurisdiction and change over time. Before acting on any information on this site, you should consult an attorney, CPA, or other qualified professional licensed in your state regarding your specific facts and circumstances.
Pricing examples and savings estimates
Calculator outputs, savings ranges, comparison tables, and any specific dollar figures or percentages cited on this website are illustrative estimates only. They are not a quote, an offer to enter into a merchant services agreement, or a guarantee of the rates, fees, or savings your business will actually receive. Actual processing costs and savings depend on card mix, transaction volume, average ticket size, acceptance method (in-person chip and tap, keyed-in, e-commerce), industry classification, risk profile, processor underwriting, and the specific terms of any agreement you ultimately sign. Past results, customer examples, and case studies referenced on this site do not predict or guarantee future results for any other business.
Statement review scope
If you request a statement review or cost analysis from Brookside Payments, our analysis is based solely on the documents and information you provide. We will produce a written summary that includes effective rate calculations, line-item observations, and general recommendations. A statement review is not an offer to provide processing services, a binding quote, or a guarantee of approval. Whether Brookside can place your account, the rates we can offer, and the program structure available to your business are subject to underwriting review and may require additional documentation. Underwriting decisions are made by the sponsoring acquirer, not by Brookside.
Cost-offset programs and compliance
Cost-offset programs such as dual pricing, surcharging, and cash discount carry program-specific compliance requirements that include — but are not limited to — disclosure signage, receipt formatting, point-of-sale configuration, card brand notification or registration, and surcharge caps. Rules vary by state and by card brand (Visa, Mastercard, Discover, American Express) and are subject to change. State surcharging laws have changed materially in recent years and may continue to change. Before implementing any cost-offset program, you should confirm current requirements with your processor, your card brand contacts, and qualified legal counsel in your state. References to specific state laws on this website may not reflect the most recent legislative or judicial developments.
Third-party brands, processors, and comparisons
This website discusses, compares, and at times critiques third-party payment processors, point-of-sale systems, payment gateways, software platforms, and card networks (for example, but not limited to, Square, Stripe, PayPal, Toast, Clover, Lightspeed, Heartland, Worldpay, Global Payments, Helcim, Visa, Mastercard, Discover, and American Express). Any such mention is for comparison, educational, and analytical purposes only. All product names, logos, brand names, and trademarks referenced on this site are the property of their respective owners. Reference to a third-party brand does not imply endorsement of Brookside Payments by that company, partnership with that company, or affiliation with that company except where explicitly stated.
External links
This website contains links to third-party websites operated by organizations such as the Consumer Financial Protection Bureau, the Federal Reserve, the PCI Security Standards Council, and various card brands, government agencies, and industry sources. Brookside Payments does not control these third-party websites and is not responsible for their content, accuracy, security, or availability. Inclusion of an external link is not an endorsement of the linked organization or its content, and external content is not warranted by Brookside Payments.
Forward-looking statements and time-sensitive information
Payment processing is a rapidly evolving industry. Interchange rates, card brand rules, regulatory programs (including Visa’s Commercial Enhanced Data Program and similar initiatives), and processor pricing structures change regularly — sometimes with minimal advance notice. Statistical citations, adoption-trend data, and references to industry reports (including, where cited, J.D. Power U.S. Merchant Services Satisfaction Studies) reflect data available at the time of publication and may be superseded by later reporting. Forward-looking statements about industry trends, regulatory direction, or processor behavior are opinions and predictions, not statements of fact, and should not be relied upon as guarantees of future outcomes.
Errors, omissions, and corrections
Brookside Payments makes a good-faith effort to publish accurate information, but typographical errors, data-entry mistakes, citation errors, and outdated information do occur. If you identify an error on this website, please email hello@brooksidepayments.com and we will review the issue. Brookside Payments makes no warranty, express or implied, regarding the accuracy, completeness, reliability, or fitness for a particular purpose of any content on this website.
Jurisdiction
Brookside Payments is a United States entity serving merchants nationally. Brookside Payments and its principals are not licensed as attorneys, certified public accountants, financial advisors, or insurance professionals in any state. Information on this website may reference market conditions or examples specific to particular states; out-of-state readers should verify that the information applies to their jurisdiction.
Limitation of liability
To the maximum extent permitted by applicable law, Brookside Payments, its principals, contractors, and affiliates are not liable for any direct, indirect, incidental, consequential, special, or punitive damages arising out of or relating to your use of, or reliance on, any information published on this website — including without limitation any pricing comparisons, savings estimates, calculator outputs, program recommendations, or third-party comparisons. Use of this website is at your own risk and discretion.