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Understanding Card-Not-Present (CNP) Fees and How to Lower Them Running an e-commerce store or accepting phone orders comes with a common challenge: higher processing costs compared to in-person transactions. These costs are known as Card-Not-Present (CNP) fees. Many business owners don’t understand why these fees exist or how to reduce them. This guide explains CNP
What Is a Merchant Account? A Beginner’s Guide for New Businesses When you start a new business, one of the first things you think about is how to take payments. Most customers no longer carry cash, and many prefer tapping or inserting their card. If your business cannot accept cards, you lose sales. That’s why
By | October 26, 2025 As credit card processing fees continue to rise, more business owners are looking for ways to offset these costs without raising their overall prices. Two popular methods have emerged: surcharging and dual pricing. While both can help you reduce or eliminate your processing fees, they are fundamentally different programs with
By | October 19, 2025 Your monthly merchant statement should be a simple tool for financial reconciliation. Instead, for most business owners, it’s a source of frustration and confusion. Opaque pricing models, bundled rates, and a laundry list of jargon make it nearly impossible to verify your charges. This confusion is often by design, allowing
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