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Merchant Processing Optimization: How to Reduce Transaction Fees in 2026

Merchant Processing Optimization: How to Reduce Transaction Fees in 2026

by Dale Erling | Apr 23, 2026 | Card Network Rules & Interchange, Merchant Services

IntelliPay is a PCI DSS Level 1 payment processor that helps businesses and government agencies manage card acceptance, interchange-plus pricing, and enhanced transaction-data submission. This guide walks through where processing fees actually come from and what to do...
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...
Surcharge & Interchange Fee Laws 2026: State-by-State Guide | IntelliPay

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

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

Updated October 2026 IntelliPay is a PCI DSS Level 1 certified payment processor working with businesses, utilities, schools, and government agencies nationwide. This guide covers where surcharging is banned or restricted, which interchange laws are actually in...
You Decided to Surcharge. Here Are the 7 Mistakes That Still Get Merchants Fined

You Decided to Surcharge. Here Are the 7 Mistakes That Still Get Merchants Fined

by Dale Erling | Mar 10, 2026 | Card Network Rules & Interchange, Security, Fraud & Compliance

Updated October 2026 IntelliPay is a PCI DSS Level 1 certified payment processor working with businesses, utilities, schools, and government agencies nationwide. This guide covers the surcharge mistakes that still get merchants fined after launch, and how to avoid...
Visa CEDP & Product 3 Explained: The Complete Merchant Guide

Visa CEDP & Product 3 Explained: The Complete Merchant Guide

by IntelliPay Compliance | Dec 17, 2025 | Card Network Rules & Interchange, Small Business Payments & Operations

Visa CEDP & Product 3 Explained: The Complete Merchant Guide By Dale Erling | 15+ Year Payment Strategist | ~12 Minute Read Last Updated: April 2026  Correction Notice (April 2026): This article has been updated to reflect Visa’s January 24, 2026 rate...

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