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The Inconvenient Truth About Convenience Fees for Utilities

The Inconvenient Truth About Convenience Fees for Utilities

by Dale Erling | Jan 30, 2026 | Utilities

The Inconvenient Truth About Convenience Fees for Utilities A Practical Guide for Utility Financial Leaders | By Dale Erling | Originally Published: January 30, 2026 | Last Updated: April 2026 Key Terms: A service fee is a separate, disclosed charge that utility...
Visa’s January 24 Small Business Card Rate Change: Now What

Visa’s January 24 Small Business Card Rate Change: Now What

by Dale Erling | Jan 23, 2026 | Small Business Payments & Operations

What Visa’s January 24 Small Business Card Rate Change Means Now By Dale Erling | 15+ Years in Payment Processing and Fintech | Originally Published: January 23, 2026 | Last Updated: April 2026 April 2026 Update: This article was originally published the day...
Why Your Processor Views You as a Risk Score

Why Your Processor Views You as a Risk Score

by Dale Erling | Jan 9, 2026 | Small Business Payments & Operations

 Written by Dale Erling | Digital Payment Strategist, IntelliPay Quick Summary: Payment processors assign every merchant a risk score based on chargeback rate, industry type, business age, transaction patterns, and owner credit history. A higher score leads to rolling...
NACHA 2026: Moving Beyond Account Validation to Proactive Fraud Monitoring

NACHA 2026: Moving Beyond Account Validation to Proactive Fraud Monitoring

by Dale Erling | Jan 9, 2026 | Small Business Payments & Operations

NACHA 2026: Moving Beyond Account Validation to Proactive Fraud Monitoring By Dale Erling | 15+ Year Payments Strategist & Compliance Expert Fact-Checked & Reviewed By: Jess Hunt, AAP | Risk Manager, IntelliPay Last Updated: January 9, 2026 | 6 Minute Read...

2026 Compliance Alert

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MCC 9311 Optimization: Automatic routing for Government Service Fee transactions to ensure 100% cost recovery.

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