Payment Processing Resources
Articles
Glossary of Payment Processing Terms
Terms and definitions used by payment processors and the payment processing industry.
The Real Cost of Card Payments
Do merchants really pay much more than interchange to accept cards?
From Zero to Online Payments
The small business guide to getting started with online credit and debit card payments.
Cleaning and Disinfecting Credit Card Terminals
Step-by-step Guide: How to properly clean and disinfect card terminals.
Protect Your Online Bill Payments from Fraud
How to protect your business from theft and fraud
Small Business Owners Surcharging FAQ’s
We break down surcharging for business owners and how to start
Are You Overpaying Your Payment Processor?
A look at what payment processors really charge you per transaction.
Merchant Accounts – What You Need to Know
The essential guide to SMB Owners’ Guide to Merchant Accounts.
Governments Chargeback Guide
How to prevent them for government agencies.
SMB Guide to Surcharging – 2025
A small business owner’s guide to surcharging
State-by-State Guide to Surcharging – 2025
Surcharging requirements by state-updated October 2025
Fee-Based Payment Models Compliance Guide
Dual Pricing, Service Fee, Surcharging, Convenience Fee
FAQs & Support
Surcharging FAQs
All the most frequently asked questions about surcharging.
Dual Pricing FAQs
Your dual pricing questions answered
Convenience Fee FAQs
Answers to Convenience Fee questions
How to Choose a Fee Program
Comparison of fee-based options
CAPTCHA Accessibility
How CAPTCHAs safeguard online experiences.
WooCommerce Plugin
Download the IntelliPay WooCommerce plugin
ACH
How ACH Payments Work
How the ACH Network actually works, and what happens between the moment a payment is initiated and when funds settle.
ACH Web Validation Explanation
Explains IntelliPay’s ACH WEB debit account validation process and first-use account verification.
ACH SEC Code Chart
A complete listing of all of ACH SEC codes, including definitions, and how they are used in payment processing.
ACH Reject-Return Codes
A merchant guide to ACH reject-return codes including descriptions, account types and in some cases suggestions on how to correct.
ACH Fraud Monitoring 2026
Turn Nacha 2026 ACH fraud mandates into measurable risk, revenue, and efficiency gains.
ACH for Businesses and Government in 2026
Record $93T ACH volume in 2025 reshapes 2026 strategy for businesses/government.
2026 Nacha Risk Rules Explained
Explain Nacha 2026 risk rules, phased fraud monitoring, and operational readiness steps
Next-Day ACH Funding vs 3–5 Day
Next-day ACH funding accelerates deposits versus standard 3-5 day ACH
Merchant Funding
Why Are My Funds Being Held? Top Three Reasons Explained
We review the top three reasons processors hold merchant funds and outline practical steps merchants can take to resolve and prevent holds.
Why Are My Funds Being Held? Part 2 TIN Mismatch
TIN mismatches can cause IRS backup withholding of merchant funds; this guide explains mismatches and practical steps merchants take to prevent withholding.
Why Are My Funds Being Held? Part 3 Merchant Reserve Accounts
Merchant reserve accounts can trigger fund holds; this guide explains reserve purposes, reserve types, and how merchants can get funds released.
Cybersecurity & PCI Compliance
Getting Started with Cybersecurity
The NIST Cybersecurity Framework can help an organization begin or improve their cybersecurity program. Built off of practices that are known to be effective, it can help organizations improve their cybersecurity posture.
Guide to Safe Payments
A PCI guide for merchants on protecting your business with PCI’s recommended security basics.
PCI Level 1 for Public Entities
What does PCI Level 1 actually mean for a city, county, utility, or school?
Presentations & Videos
Podcast- CEO discusses Payment Trends
Our CEO talks about how he got started with IntelliPay and payment trends.
Reseller Resources
Sales & Marketing
Consumer Portal
Customer Portal Flyer
IntelliPay’s online consumer payment processing portal is easy and secure for consumers to pay single or multiple bills online.
Integrations
IntelliPay Integrations Flyer
A listing of all current IntelliPay integrations
Mobile Application
Mobile Application Flyer
IntelliPay’s mobile application enables merchants to accept credit and debit card payments anywhere. iOS and Android.
One Terminal
One Terminal Flyer
IntelliPay’s turns any device into a secure virtual payment processing terminal.
Online Payment Page
Online Payment Page Flyer
IntelliPay’s online line payment page quickly and easily adds payment processing to virtually any website.
Reporting
IntelliPay Reporting Master Portal Flyer
An overview of the parent and child hierarchy reporting in IntelliPay’s payment suite.
Service Fee
IntelliPay Service Fee Payment Model Flyer
This flyer reviews IntelliPay’s Government Service Fee payment processing option.
Solutions
Front-End Solutions Flyer
IntelliPay offers a front-end payment acceptance solution for any use case.
Presentations & Videos
Presentations & Videos
Why Fee-Based Payments?
Our CEO talks about fee-based payment models
Want to Learn More?
Start empowering your payments with customer-centric interfaces, traditional and reduced cost options, level 2/3 processing, and time-saving integrations in one cloud-based platform.