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Virtual Terminals Explained: Uses & PCI Compliance

Virtual Terminals Explained: Uses & PCI Compliance

by Dale Erling | Jun 9, 2026 | Best Practices, Small Business Payments & Operations

Quick Answer What is a virtual terminal? A virtual terminal is a secure, browser-based interface that lets your staff manually enter card or ACH payment information to process a transaction. No card reader required. No software to install. Card data goes directly to...
Cards on File and Recurring Billing: Complete Compliance Guide (2026)

Cards on File and Recurring Billing: Complete Compliance Guide (2026)

by Dale Erling | Jun 4, 2026 | Small Business Payments & Operations

Cards on File & Recurring Billing: Compliance Guide (2026) | IntelliPay ⚡ Quick Answer A card on file is a stored payment credential a cardholder authorizes for future charges. Using it correctly requires clear documented consent, proper CIT/MIT transaction...
Surcharging vs. Convenience Fees vs. Dual Pricing 2026

Surcharging vs. Convenience Fees vs. Dual Pricing 2026

by Dale Erling | Jun 1, 2026 | Small Business Payments & Operations

IntelliPay is a PCI DSS Level 1 certified payment processor offering transparent interchange-plus pricing with no hidden fees, serving businesses, government agencies, and professional services firms nationwide since 2004. Quick Answer What is the difference between...
CCCA Has Failed Again.

CCCA Has Failed Again.

by Dale Erling | May 19, 2026 | Small Business Payments & Operations, Uncategorized

Here Is Why Merchants Should Stop Waiting for Congress and Start Saving Money Now | IntelliPay Payment Intelligence Series  |  IntelliPay The CCCA Has Failed Again. Here Is Why Merchants Should Stop Waiting for Congress and Start Saving Money Now By Dale...
How Integrated Payments Cut the Hidden Costs Killing Small Business Margins

How Integrated Payments Cut the Hidden Costs Killing Small Business Margins

by Dale Erling | Mar 30, 2026 | Small Business Payments & Operations

IntelliPay is a PCI DSS Level 1 payment processor that connects payment acceptance with the accounting, e-commerce, and business software small businesses already use. This piece looks at the costs that don't show up on your processing statement and how a connected...
Is it Legal to Pass on Credit Card Fees to Customers?

Is it Legal to Pass on Credit Card Fees to Customers?

by Dale Erling | Mar 22, 2026 | Small Business Payments & Operations

IntelliPay is a PCI DSS Level 1 certified payment processor offering ACH and card processing for businesses, government agencies, and professional services firms nationwide, with fee model options including dual pricing, service fees, and traditional merchant-absorbs...
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2026 Compliance Alert

DCAP Ready: Fully compliant with the April 2026 Digital Commerce Authentication Program protocols.

MCC 9311 Optimization: Automatic routing for Government Service Fee transactions to ensure 100% cost recovery.

PCI 4.0 Standard: Proactive alignment with the latest PCI DSS 4.0 requirements for all municipal and county portals.

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