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Passing Credit Card Fees to Customers – 2025

Passing Credit Card Fees to Customers – 2025

by Dale Erling | Oct 28, 2025 | Payment Optimization

Passing Credit Card Fees to Customers: Dual Pricing, Cash Discounts, and Surcharging Explained Key Takeaways Most states now allow credit card surcharging or dual pricing, but local rules vary. A few—California, Connecticut, Maine, and Massachusetts—still prohibit or...
Reduce Cart Abandonment, Boost Conversions

Reduce Cart Abandonment, Boost Conversions

by Dale Erling | Oct 27, 2025 | Small Business Payments & Operations

Improving Online Payment Experiences: Reduce Cart Abandonment, Boost Conversions Executive Summary Online payment experience is a core driver of e-commerce success in 2025. Businesses that prioritize frictionless checkouts, clear pricing, and trust-building signals...
Chargebacks What Agencies Need to Know 2025 Update

Chargebacks What Agencies Need to Know 2025 Update

by Dale Erling | Oct 26, 2025 | Government & Private Sector

Chargebacks: What Agencies Need to Know (2025 Update) Executive Summary Chargebacks are card payment reversals initiated by constituents and processed by their bank or card issuer. While government agencies see fewer chargebacks than private merchants, understanding...
IntelliPay Merchant Guide: PCI DSS 4.0.1 Made Simple

IntelliPay Merchant Guide: PCI DSS 4.0.1 Made Simple

by Dale Erling | Oct 24, 2025 | Payment Optimization, PCI & Data Security, Security, Fraud & Compliance

PCI DSS 4.0.1 Requirements for Merchants: What Changed and What You Must Do Now Updated March 2026 PCI DSS 4.0.1 is the current mandatory version of the Payment Card Industry Data Security Standard, effective March 31, 2025. It applies to every business that stores,...
How to Lower Credit Card Processing Fees and Increase Margins – 2025

How to Lower Credit Card Processing Fees and Increase Margins – 2025

by Dale Erling | Oct 24, 2025 | Payment Optimization

The True Cost of Credit Card Processing in 2025: How to Lower Fees and Increase Margins Key Takeaways Average processing rates in 2025 range from 2.0%–3.5%, with interchange fees driving most costs. The three main components of processing fees are interchange,...
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