Credit Card Processing

Are you curious about how payment processing works and what exactly happens when a customer swipes a card? When it comes to operating a business in the modern world, understanding everything you need to know about processing credit cards and other types of payments is vital.

Not sure where to start? Build a solid foundation by learning about merchant accounts, payment gateways, and virtual terminals.

If you’re thinking of working with a payment service provider, check out our article on its pros and cons, and the alternative that may work better for your business.

An important aspect to consider when shopping around for the lowest credit card processing fees includes interchange fees vs flat-rate pricing. Contrary to popular belief, flat-rate pricing may not always be the best choice for your business.

Most Recent Credit Card Processing Articles

Prorated Billing: A Comprehensive Guide

Whether you're a small startup or a large corporation, billing is an essential aspect of any business. However, today's businesses often feature unique pricing plans,…

A calculator on a prorated bill.

How to Accept Apple Pay in Your Business: A Guide for 2024

As most business owners know, smooth transactions can significantly impact customer conversion and loyalty. That's why accepting Apple Pay, a leading form of contactless mobile…

A payment successful screen after using apple pay on an iPhone

How to Increase Authorization Rates & Decrease Card Decline Ratio

Using online payment gateways and other tools to process payments can help streamline the sales process for your business. However, credit card processors have security…

A merchant completing a transaction with a customer to decrease credit card decline rate.

Virtual Terminal vs Payment Gateway: A Comparative Guide

Understanding payment processing systems can be a challenge due to technical jargon and terms that even experts in the field can't wrap their heads around.…

A payment being made through a virtual terminal and a payment gateway.

Stripe Test Credit Card Numbers: Comprehensive List for 2024

More than 1.1 million eCommerce websites use Stripe worldwide, with many employing Stripe test cards to guarantee uninterrupted transactions. [footnote]Finmasters. "15+ Stripe Statistics for 2023:…

Stripe test credit cards

Top 10 Stripe Alternatives and Competitors in 2024

While Stripe has gained significant popularity in the payment industry, it may not be the best platform for every business in every circumstance. Many Stripe…

A customer using their credit card on a stripe alternative payment processor.

What Is an ISO? Independent Sales Organization Explained

With the ratio of US consumers preferring cash as a payment method down to less than 20%, it's clear businesses must accept credit and debit…

An accountant goes over ISO options with a client

How to Choose a Merchant Service Provider

As an entrepreneur or business owner, choosing the right merchant service provider (MSP) is an integral piece of the puzzle when building your business. A…

A man using a credit card on his laptop while searching for a merchant service provider

How to Accept Gift Cards for Payment at Your Small Business

Gift cards have become a go-to solution for those seeking the perfect present, which is why businesses tend to keep them readily available. Not to…

Three gift cards for a small business on a red background next to two gift packages.

How to Accept Recurring Payments in Your Business

Every merchant knows accepting recurring payments can ease the frustration of dealing with delayed or missed payments. It hinders cash flow, financial plans, and customer…

A merchant circling a date on a calendar while setting up recurring payment processing.
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