Payment Processing Blog
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Guides About Processing
Practical guides covering merchant accounts, gateways, ACH, chargebacks, POS systems, recurring billing, SaaS payments, card declines, processing fees, rolling reserves, PCI compliance, settlement, card-not-present payments, merchant statements, chargeback prevention, gateway integration, MCCs, reconciliation, refunds, payment tokenization, and authorization holds.
A card-not-present transaction is any card payment made without the physical card at checkout, like online, phone, or recurring charges. Learn how CNP payments work, what they cost, and how to accept them safely.
How long does it take to get a merchant account? See realistic timelines for low-risk and high-risk businesses, what underwriters check, and a checklist to speed up approval.
Learn what a SaaS merchant account is, what underwriters review for subscription software, and the steps and documents you need to apply.
NMI vs Authorize.net compared side by side: features, recurring billing, ACH, fraud tools, and which gateway fits single stores, SaaS platforms, and agencies.
A plain-English breakdown of high-risk merchant account fees: which costs are set by the card networks, which are negotiable, and how to compare quotes.
Credit card processing fees run about 1.5% to 3.5% per sale. See Visa's published interchange rates, the four pricing models, a worked example and seven ways to pay less.
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