The PaymentCloud Blog

Our merchants are important to us, that’s why we go out of our way to educate and inform them on the ins and outs of the payment processing industry. We understand merchant services can be a confusing space for new businesses (and old companies too!). So please continue reading for an insightful blog on the industries we serve best.

Top Content

Reviewing our top content is the best place to begin when navigating business ownership for high risk, mid risk, and low risk businesses. Here, we strive to inform and give you the tools to grow your business- No matter if you’re a small company or a large enterprise.

What is an EIN Number? Everything You Need to Know

22 Product Ideas Worth Considering for Your Business in 2022

What is an FFL and How Can You Get a Federal Firearm License?

The Complete List of ACH Return Codes

Top 8 Accounting Software to Use in Your Business

How to Qualify for a Business Line of Credit: List of Requirements


Where To Start

Still figuring out where to start? We can help. If you’re just beginning a business, you may be wondering how to set yourself up for success. Well, we have tailored information to help you with your business plan, marketing initiatives, and go to market strategy.

What Are Merchant Services?

How to Accept Payments

What Is a Merchant Account?

Which Credit Card Reader is Right For You?

The Ultimate Guide to eCheck Payment Processing

How to Start a Business in 2022: 12 Steps to Success



Does Zelle Charge a Fee for Business? All Fees Explained

Does Zelle charge a fee? Almost every financial solution worth noting does and for a reason. In today’s competitive market, making it easy for consumers…

Magnifying glass over a stack of coins in front of blue background to discover if zelle charges a fee for business.

How Long Does an eCheck Take to Clear?

Though paper checks haven't been entirely replaced yet, in an era where speed, security, and convenience rule, eCheck payment processing has become a necessity in…

A timeclock in front of a yellow background to show how long does it take for an eCheck to clear.

How to Deposit an eCheck: A Brief Guide

Thanks to today's technology, both a check payer and payee can conveniently process a check electronically and through their banks without having to make a…

A man at a desk holding a smartphone and depositing an eCheck without printing.

Braintree Payment Solutions Review: Features, Pricing, and More

Braintree is a big name in the payment processing industry, and for good reason—it offers businesses a comprehensive platform for seamless transactions. With a focus…

A BrainTree customer makes a purchase online.

What Is Split Funding? Types, Benefits & Use Cases

Every day, businesses are actively seeking methods to maximize their budget. One strategy businesses are adopting is split funding. Split funding refers to the practice…

A merchant finding out what is split funding and placing two piggy banks next to blue paper.

Payment Optimization: A Guide to Enhancing Your Payment Strategy

As a business owner, optimized payment infrastructure is crucial for your cash flow. But how can you make this process as easy and convenient as…

A customer pays with a credit card in an optimized payment system.

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.

NMI Test Cards: A Helpful Guide 

New Merchants, Inc. (NMI) is a payment gateway platform that offers a “test mode” for merchants who want to give their setup a try before…

A merchant using a magnifying glass to look at a quality control cetificate after using NMI test cards.

Using Stripe for Nonprofits: The Complete Guide

More than 1.5 million nonprofits operating in the United States help Americans access essential services and benefits.[footnote]Zippia. "26 Incredible Nonprofit Statistics [2023]: How Many Nonprofits…

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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.
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