Revolving Utilization and Its Impact on Your Credit Score
If you have an open line of credit, you have a revolving credit utilization ratio. Business debt comes in many forms: lines of credit, credit…
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 a High-Risk Merchant Account?
Top 10 Online Shopping Cart Solutions
How to Get the Cheapest Credit Card Processing & Lower Fees
Using Venmo for Business: Is It a Good Idea?
What is an FFL and How Can You Get a Federal Firearm License?
The Complete List of ACH Return Codes
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.
Which Credit Card Reader is Right For You?
The Ultimate Guide to eCheck Payment Processing
How to Start a Business in 2024: 12 Steps to Success
Chargeback Insurance: What Is It and Do Merchants Need It?
Considering chargeback insurance? In this article, we cover how chargeback insurance works, what is covered, and how to secure it. But before we dive in,…
American Express Chargebacks: How to Handle Amex Disputes
Chargebacks can be a challenge for any business, and American Express chargebacks are no exception. In this article, we explain the American Express chargeback process,…
What Is NACHA? Regulations, Compliance, and Benefits
If your business accepts or issues Automated Clearing House (ACH) payments, you should have an understanding of NACHA regulations. Businesses of all sizes rely on…
How to Handle Mastercard Chargebacks & Disputes
Being that Mastercard is the second leading card network in the United States, merchants everywhere have experienced their fair share of Mastercard chargebacks. Mastercard or…
How to Dispute a Wells Fargo Chargeback: A guide for Merchants
If you're a merchant utilizing business banking services at Wells Fargo, it's imperative you understand how to dispute a chargeback with Wells Fargo—because they will…
How to Fight and Win a Credit Card Chargeback Dispute in 6 Steps
If left unchecked, chargeback disputes can damage your business's reputation, even putting your merchant account at risk of termination. And chargebacks are becoming an ever-increasing…
Fair Credit Billing Act: What Is It and Who Does It Protect?
The Fair Credit Billing Act (FCBA) is known for providing a range of consumer protections, including the ability to file chargebacks on unauthorized charges. However,…
What Is a Chargeback? The Ultimate Chargeback Guide for Merchants
There is a range of risks associated with accepting credit card payments at your business, a major one of which is the event of chargebacks.…
A Complete Guide to Chargeback Reason Codes for Merchants
Card networks—the most notable of which are American Express, Discover, Mastercard, and Visa—notify merchants of chargebacks by issuing corresponding chargeback reason codes. These codes outline…
