Plain-English breakdowns of fees, pricing models, and industry practices so you can make smarter decisions for your business.
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One merchant agreement. Three different clocks. What starts each one, and what happens when it runs out 1. The processor raises its own fee Notice arrives (often 30 days ahead) Window to leave without a penalty Effective date New fee is part of the deal Miss the date and the exit right, in guides that […]
Read Article →Risk & Fraud Prevention The MAC List, the MATCH List, and the One Nobody Names Most merchants who get turned down for a merchant account and go looking for an explanation find the same answer: the MATCH list. Some are told something vaguer — that they are on a MAC list, or that an alert […]
Read Article →Fees & Interchange Your Software Chose Your Processor for You Whether you can bring your own processor is not a question most merchants ever get asked. Almost nobody sits down and picks a payment processor any more. They pick software. They pick the thing that schedules the jobs, books the appointments, prints the tickets, or […]
Read Article →Where a card fee can actually be passed on Same merchant. Same processor. The channel decides. CLOSED Shopify storefront checkout Prices are set in the catalogue. Payment method is chosen last. So the page cannot know which price to show. Leaving Shopify Payments also triggers Shopify’s own fee on every order — 2.0% on Basic, […]
Read Article →WHO THE $20,000 THRESHOLD ACTUALLY COVERS Payment apps and marketplaces Third party settlement organizations $20,000 and more than 200 transactions Below both numbers, no form is issued. A merchant account Merchant acquiring entities No threshold no transaction count either Every dollar you run is reported to the IRS. Source: IRS Instructions for Form 1099-K, rev. […]
Read Article →Legal & Compliance The Debit Interchange Cap Is One Court Ruling From Changing The debit interchange cap is the reason accepting a debit card costs you a few cents instead of a few percent — and for the first time since 2011, it is genuinely in play. In August 2025 a federal court struck the […]
Read Article →Legal & Compliance The Oklahoma Credit Card Surcharge Is Legal Now: And Capped Below What Acceptance Costs On November 1, 2025, the Oklahoma credit card surcharge became legal. Senate Bill 677 repealed the statute that had prohibited them since 1977, and it became law without the governor’s signature. For a merchant who had spent years […]
Read Article →FLORIDA HB 967 — CHAPTER 2026-169 One word changed in s. 215.322 THROUGH DEC 31, 2026 MAY accept Card acceptance is optional. No online requirement. FROM JAN 1, 2027 SHALL accept Card acceptance is required. Online method also required. EVERY UNIT OF LOCAL GOVERNMENT NAMED IN THE STATUTE Municipalities · Special districts · County commissions […]
Read Article →Adding a peptide to the 503A list takes five steps The July 2026 advisory vote was the second one. YOU ARE HERE Nominated for review Advisory vote 6 of 7, July 2026 FDA reviews 2,000+ comments Proposed rule public comment Final rule compounding legal still ahead — a year or more Nothing an underwriter checks […]
Read Article →The Number Nobody Runs The State’s Own Accountants Said Swipe Fee Savings Would Cost More Than They Save When a state proposes to stop the card networks from charging interchange on the sales-tax portion of a purchase, the pitch is always the same: merchants are overpaying, and this gives some of it back. It sounds […]
Read Article →The Pattern Nobody Names Interchange Fee Legislation Keeps Clearing Committee: And Dying Anyway Every year for the better part of two decades, a version of the same bill has moved through a statehouse somewhere: a proposal to stop the card networks from charging interchange on the sales-tax and tip portion of a purchase. More than […]
Read Article →Page 10 of a Public PDF Small Business Interchange Rates Are Published. They Are Lower. And You May Not Be Getting Them. Small business interchange rates are not the same as everyone else’s — Visa publishes a separate, lower schedule for merchants under $280,000 in annual Visa consumer credit sales. It is called the Small […]
Read Article →Two Published Numbers Software Payment Processing Fees Are Published. So Is Interchange. Nobody Puts Them Side By Side. Software payment processing fees are not a secret. Jobber publishes its rate. So do Mindbody, Vagaro, Dentrix, ServiceTitan, QuickBooks and every other platform that bundles payments into the software you already run your business on. You can […]
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