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Signature Debit vs Pin Debit – What Smart Business Owners Know

Signature Debit vs Pin Debit – What Smart Business Owners Know

by Dale Erling | Oct 22, 2025 | Payment Processing

By Dale Erling  |  15+ Year Payments Strategist & Compliance Expert  |  ~6 minute read  |  Updated April 2026 ⚡ Quick Answer PIN debit routes through regional EFT networks (Star, NYCE, Pulse) and settles in ~24 hours — best for...
Is Surcharging Right for Used Car Sales?

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?

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...

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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