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A payment processor is the company that moves card transactions from your customer’s bank to your business bank account, handling authorization, clearin…
A retail POS (point of sale) system is the combination of hardware and software a store uses to ring up sales, accept Visa and Mastercard payments, trac…
Katy is the fastest-growing suburban submarket in the Houston metro area, home to 350,000+ residents, 18,000+ active small businesses, and the largest Asian-American population of
Every US merchant accepting credit cards will face chargebacks. Knowing the exact reason code, the time window, the win rate, and the documentation you need
Houston is one of the largest, most diverse, and most underserved small business markets in the United States. With 285,000+ SMBs across the 9-county Houston
If you process more than $5,000 a month in card volume, your pricing model matters more than your processor. Interchange-plus and flat-rate are the two
Most US merchants pay 0.5 to 1.5 percent more than they should on credit card processing. The reason is simple: their merchant statement is intentionally
Dual pricing is the cleanest way for a US merchant to recover credit card processing costs in 2026. It is legal in all 50 states,
Complete US merchant guide to credit card surcharging in 2026: federal framework, Visa/Mastercard/Amex/Discover rules, all 50 states plus DC, implementation steps, and the three legal alternatives (dual pricing, cash discount, convenience fee). From a Katy TX merchant services provider with 30+ years experience.
Dual pricing and cash discount are often confused. The compliance rules, the receipt language, and how Visa/Mastercard treat each are different. Here is how a US merchant decides which model actually fits — and which one will trip a network audit.
