Plain-English breakdowns of fees, pricing models, and industry practices so you can make smarter decisions for your business.
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Industry Insights Roofing Gets Paid Three Different Ways Through One Merchant Account Roofing payment processing looks like a rate problem and is really a three-stream problem. A roofing company collects money three structurally different ways through the same account: an insurance restoration job, where a carrier pays most of the bill in staged checks and […]
Read Article →Industry Insights A Cleaning Business Runs Almost Entirely Card-Not-Present Cleaning service payment processing looks like a rate problem and is really a card-not-present problem. A maid service almost never touches a customer’s card: the job is booked on a website form, the card goes on file, and every clean after that is billed from that […]
Read Article →Industry Insights Pool Service Runs Two Businesses on One Merchant Account Pool service payment processing looks like a rate problem and is really a two-ticket problem. A pool company runs two very different businesses through the same account: a recurring maintenance route, where dozens of small charges hit cards on file every month, and a […]
Read Article →Industry Insights Pest Control Is a Subscription Business That Doesn’t Bill Like One Pest control payment processing looks like a rate problem and is really a recurring-revenue problem. A pest control company doesn’t charge cards the way a retail shop does — the bulk of the money arrives as recurring autopay on quarterly and monthly […]
Read Article →Industry Insights Funeral Home Surcharging: Legal Is the Easy Part Funeral home surcharging is one of the few payment decisions where the law is the simple half of the problem. In most states a funeral home can legally pass its card-processing cost to the family, within clear rules — but a funeral bill is the […]
Read Article →Industry Insights Pre-Need Funeral Payment Processing: You’re Paying Card Fees on Money You Can’t Keep Pre-need funeral payment processing is the one place in the business where the money you collect today isn’t really yours. When a family pre-pays for a funeral, state law usually requires most of that money to be deposited into a […]
Read Article →Industry Insights Med Spa Payment Processing Isn’t a Salon Problem or a Doctor’s-Office Problem Med spa payment processing is hard for one reason: a med spa lives between two worlds the card industry treats very differently. For the non-medical, relaxation side of that world, see day spa payment processing. Half of what you do looks […]
Read Article →Industry Insights Funeral Home Payment Processing Isn’t About the Swipe Rate Funeral home payment processing looks like a rate problem and is really a structure problem. A funeral home doesn’t charge cards the way a restaurant or a retail shop does — it collects a single large at-need payment at the worst moment in a […]
Read Article →Industry Insights Pharmacy Payment Processing Has a Rule No Other Retailer Has Pharmacy payment processing looks like ordinary retail and runs on rules ordinary retail never touches. A drugstore takes money in three different ways at the same counter — an insurance copay, a cash sale on the front-end shelf, and a patient paying out […]
Read Article →Industry Insights Hotel Payment Processing Isn’t About the Swipe Rate Hotel payment processing looks like a rate problem and is really a workflow problem. Most lodging owners shop the headline percentage their software quotes them and stop there, but a hotel charges cards in ways a restaurant or retail shop never does: a deposit taken […]
Read Article →A Business With Two Seasons One Rate Can’t Fit a $15k January and an $80k June Landscaping payment processing has a problem most processors are built to ignore: the business has two completely different seasons, and a single flat rate optimizes for neither. Card volume that sits at $15,000 in January can climb past $80,000 […]
Read Article →Two Businesses Under One Roof An Optical Shop Billed at a Medical-Software Rate Optometry payment processing is unusual because the practice is really two businesses wearing one set of books. There’s the clinical side — the exam, billed to vision and medical plans — and there’s the optical side, a retail store selling frames and […]
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