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

Credit Card Payment Authorization: A Complete Guide for Merchants

If you've recently opened your first merchant account and started processing payments, you might be curious about credit card authorization and the other mechanisms behind…

A woman holding a credit card used for payment authorization.

Credit Card Processing: A Complete Merchant Guide for 2024

What Is Credit Card Processing? Credit card processing is the process through which businesses accept credit and debit card payments from their customers. If you’ve…

Credit cards lay stacked on each other after a business set up credit card processing.

Braintree vs A Comprehensive Comparison

The online payment gateway landscape, including Braintree and, has a plethora of options for merchants. This variety demands careful consideration of the leading players…

A customer pays online at a business who chose between braintree vs

What Is Plaid and Is It Safe? What You Need to Know

Plaid is an online technology platform that seamlessly shares your financial data with trusted apps, websites, and banking services. The powerful data-transferring application makes it…

A lock with a wooden person questioning is plaid safe.

BTOT Dep Bankcard: What Does It Mean Exactly?

The complexities of payment processing can even baffle the most brainy bankers. Confusing terms and acronyms can clutter your business's bank statement, but signify crucial…

Three deposit slips for BTOT DEP.

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
close icon
card terminal icon

Ask Us About Zero Cost Processing


By submitting this form, you consent to our terms

VeriSign Secured

Your information will not be distributed

close icon


By submitting this form, you consent to our terms

VeriSign Secured

Your information will not be distributed