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How to Open a Merchant Account: Guide for Small Business Owners

How to Open a Merchant Account: Guide for Small Business Owners

by Dale Erling | Oct 21, 2025 | Small Business Payments & Operations

Executive Summary Opening a merchant account is a crucial step for any small business ready to accept card payments and grow online or in-store. This guide covers the basics, common fees, essential documents, and tips for choosing a payment processor—especially for...
Why Are You Holding My Funds? – Merchant Account Reserves

Why Are You Holding My Funds? – Merchant Account Reserves

by Dale Erling | Sep 13, 2025 | Small Business Payments & Operations

Why Are My Funds Being Held? A Small Business Owner’s Guide to Merchant Account Holds and Reserves Summary Few things frustrate small business owners more than seeing their hard-earned money suddenly held, reserved, or missing from their bank account. Payment...
Small Business Guide to Merchant Services 

Small Business Guide to Merchant Services 

by Dale Erling | Aug 18, 2025 | Small Business Payments & Operations

Small Business Guide to Merchant Services Today, small and medium-sized enterprises (SMBs) increasingly recognize the value of tailored solutions. This trend to payment processing. Merchant Services: A Cornerstone of Business Success Payment processing is provided by...
Optimize Your E-commerce Checkout for Maximum Conversions

Optimize Your E-commerce Checkout for Maximum Conversions

by Dale Erling | Jul 10, 2025 | Small Business Payments & Operations

How to Optimize Your E-commerce Checkout for Maximum Conversions: 11 Proven Strategies for Small Business Owners   Why Your Checkout Process Is Costing You Sales (And Money) Picture this: A customer spends 20 minutes browsing your online store, adds $150 worth of...
Understanding ACH Return Codes: Why R10 and R11 Matter for Your Business

Understanding ACH Return Codes: Why R10 and R11 Matter for Your Business

by Dale Erling | Jun 12, 2025 | Small Business Payments & Operations

Quick Answer: R10 vs R11 Return Codes The R10 return code indicates unauthorized ACH transactions, while the R11 code indicates authorized payments with processing errors. R10 returns can trigger NACHA penalties if they exceed 0.5% of transactions, while R11 returns...
Electronic Check Processing: Reduce Fees & Improve Payments for Your Business in 2025

Electronic Check Processing: Reduce Fees & Improve Payments for Your Business in 2025

by Dale Erling | May 29, 2025 | Small Business Payments & Operations

Electronic Check Processing: Reduce Fees & Improve Payments for Your Business in 2025 Expert eCheck Processing Analysis from IntelliPay | Updated May 2025 How Do Electronic Checks Work and Can They Save Your Business Money? Quick Answer for Business Owners:...
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