Category: Payment Processing

Signature Debit vs Pin Debit – What Smart Business Owners Know

by Dale Erling | Oct 22, 2025 | Payment Processing

Signature Debit and PIN Debit Cards: What’s the Difference? By Dale Erling | 15+ Year Payments Strategist & Compliance Expert | 5 Minute Read Last Updated January 2026 When a customer swipes, dips, or taps a debit card at your terminal, you are presented with a...

Is Surcharging Right for Used Car Sales?

by Dale Erling | Aug 10, 2025 | Payment Processing

Introduction In the world of used car sales, card transaction fees can be a constant concern for dealership management. Major card networks (Visa, Mastercard, etc.) charge non-negotiable processing fees for every card transaction. Did you know that your margins are...

Are Payment Processing Fees Eating Into Your Bottom Line?

by Dale Erling | May 1, 2023 | Convenience Fee, Credit Cards, Debit Cards, Interchange Fees, Payment Processing, Surcharge

If you currently accept credit cards for payment, and who isn’t, payment processing fees are eating into your bottom line! How big of a bite? For many businesses, payment processing is typically one of the five largest expense items on a P&L. And costs keep...

Why Your Books Need Some TLC

by Dale Erling | Feb 17, 2023 | Credit Cards, Merchant Account, Payment Processing, Uncategorized

As a business owner in this currently unstable economy, you are tracking every cost and monitoring every revenue stream. One area that can be easily overlooked is attempted payments. To understand attempted payments, we first need to know how payment processing...

No-Cost Solutions That Are Perfect for Your Business

by Dale Erling | May 19, 2022 | Card Payments, Debit Cards, Digital Transactions, Payment Processing, Uncategorized

Having a business of your own can be stressful as you’re managing a variety of tasks day to day. The last thing you need to worry about is limited and costly payment options that inhibit your business’s growth. At IntelliPay, we provide you with no-cost...

Credit Card Fees and Merchant Margins Part 2

by Dale Erling | May 13, 2022 | Card Payments, Convenience Fee, Credit Cards, Fee Based Models, Payment Processing

Card Payments In part one, you learned a lot about payment processing costs and how to calculate a net effective rate. In part 2 of this two part series, we look at credit card fees and merchant margins. Part 2 Check to See if You Are Getting A Good Deal Now, you can...

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