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Visa Interchange Fee Changes: What Merchants Need to Know in 2026

Visa Interchange Fee Changes: What Merchants Need to Know in 2026

by Dale Erling | Apr 20, 2026 | Card Network Rules & Interchange

What Changed With Visa Interchange Fees in 2026? On January 24, 2026, Visa increased Level 2 interchange rates for small business credit cards by 75 basis points (0.75%), effectively eliminating the pricing incentive merchants historically received for submitting...
VAMP Compliance After April 2026: What Merchants and ISVs Need to Know Now

VAMP Compliance After April 2026: What Merchants and ISVs Need to Know Now

by Dale Erling | Apr 14, 2026 | Security, Fraud & Compliance

2026 Visa VAMP Compliance: Critical Facts Threshold Change: As of April 1, 2026, the 'Excessive' VAMP threshold is 1.5%. Calculation: (TC40 Fraud Reports + TC15 Disputes) / Total Settled CNP Transactions. Grace Period: A three-month grace window is available for...
My Payment Processor Froze My Account — What Now?

My Payment Processor Froze My Account — What Now?

by Dale Erling | Apr 13, 2026 | Merchant Services

My Payment Processor Froze My Account — What Now? By Dale Erling, 15+ years payments & fintech experience | Merchant Resources and Payment Strategy | 12 min read Quick Answer If your payment processor has frozen your merchant account or is holding your funds, act...
Surcharge & Interchange Fee Laws 2025–2026: State-by-State Guide | IntelliPay

Surcharge & Interchange Fee Laws 2025–2026: State-by-State Guide | IntelliPay

by Dale Erling | Apr 7, 2026 | Card Network Rules & Interchange, Government & Private Sector

The 2025–2026 Surcharge and Interchange Fee Legislative Wave: What Government, Utility, and Business Merchants Must Know Now By Dale Erling | 15+ years payment & fintech experience | Published April 7, 2026 Quick Answer A wave of state legislation is reshaping how...
Utility Billing Regulations: What Every Utility Needs to Know in 2025–2026

Utility Billing Regulations: What Every Utility Needs to Know in 2025–2026

by Dale Erling | Apr 6, 2026 | Utilities

 Quick Answer Utility Billing Regulations by State: The Short Version Utility billing is regulated at the state level through public utility commissions (PUCs) and, for municipally owned utilities, by local ordinance. While no single federal law governs utility...
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