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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.
Payment facilitator vs merchant account: learn how PayFacs and dedicated merchant accounts differ on onboarding, pricing, fund holds, and control, and when to switch.
Learn what a chargeback ratio is, how Visa (VAMP) and Mastercard calculate it, the 2026 thresholds U.S. merchants face, and a monthly checklist to keep yours low.
A merchant category code (MCC) is the four-digit code that tells card networks what your business does. Learn how MCCs are assigned, how they affect rates and risk review, and how to check yours.
Learn how to accept recurring payments for a subscription business: the merchant account and gateway setup, card vs. ACH rules, Visa trial requirements, and a launch checklist.
E-check vs ACH explained: an e-check is one type of ACH debit. Learn the SEC codes, Nacha rules, return windows, and a setup checklist for accepting bank payments.
Merchant account underwriting is the bank's risk review before you can accept cards. Learn what underwriters check, the step-by-step process, documents to prepare, and how to avoid delays.
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