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Visa’s January 24 Small Business Card Rate Change: Now What

Visa’s January 24 Small Business Card Rate Change: Now What

by Dale Erling | Jan 23, 2026 | Small Business Payments & Operations

What Visa’s January 24 Small Business Card Rate Change Means Now By Dale Erling | 15+ Years in Payment Processing and Fintech | Originally Published: January 23, 2026 | Last Updated: April 2026 April 2026 Update: This article was originally published the day...
Why Your Processor Views You as a Risk Score

Why Your Processor Views You as a Risk Score

by Dale Erling | Jan 9, 2026 | Small Business Payments & Operations

 Written by Dale Erling | Digital Payment Strategist, IntelliPay Quick Summary: Payment processors assign every merchant a risk score based on chargeback rate, industry type, business age, transaction patterns, and owner credit history. A higher score leads to rolling...
NACHA 2026: Moving Beyond Account Validation to Proactive Fraud Monitoring

NACHA 2026: Moving Beyond Account Validation to Proactive Fraud Monitoring

by Dale Erling | Jan 9, 2026 | Small Business Payments & Operations

NACHA 2026: Moving Beyond Account Validation to Proactive Fraud Monitoring By Dale Erling | 15+ Year Payments Strategist & Compliance Expert Fact-Checked & Reviewed By: Jess Hunt, AAP | Risk Manager, IntelliPay Last Updated: January 9, 2026 | 6 Minute Read...
The Anatomy of a Merchant Statement: Beyond Total Due

The Anatomy of a Merchant Statement: Beyond Total Due

by Dale Erling | Dec 24, 2025 | Small Business Payments & Operations

The Anatomy of a Merchant Statement: A Merchant’s Guide to Transparency By Dale Erling | 15+ Year Payments Strategist | Reviewed by Jess Hunt, Risk Manager Last Updated: January 9, 2026 | 5 Minute Read Quick Answer: How to Audit Your Statement in 60 Seconds To quickly...
Stop Overpaying for Payment Processing – Cut Costs by 20% or More

Stop Overpaying for Payment Processing – Cut Costs by 20% or More

by Dale Erling | Dec 23, 2025 | Small Business Payments & Operations

Last Updated: April 2026 — Updated to reflect 2026 merchant fee increases, current interchange-plus vs. flat-rate benchmarks, Visa’s CEDP Product 3 transition, and the latest Nilson Report and JD Power merchant satisfaction data. Quick Answer: Most U.S....
What Every Merchant Needs to Know About VAMP Before April 2026

What Every Merchant Needs to Know About VAMP Before April 2026

by IntelliPay Compliance | Dec 22, 2025 | Small Business Payments & Operations

Small Business Guide to Visa VAMP (2026 Update) Last Updated: April 2026 — This article has been updated to reflect Visa’s April 1, 2026, threshold change from 2.2% to 1.5% and current enforcement status Quick Answer:  Visa’s VAMP (Visa Acquirer Monitoring...
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2026 Compliance Alert

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