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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:...
Payment Processing Questions: Complete Answers for Merchants in 2026

Payment Processing Questions: Complete Answers for Merchants in 2026

by Dale Erling | May 27, 2025 | Small Business Payments & Operations

Payment Processing Questions: Complete Answers for Merchants in 2026 Last updated: March 2026 | 12-minute read Quick Answer Payment processing is the system that moves money from your customer’s bank account to yours whenever a card or digital payment is made....
Why ACH is Right For Your Business

Why ACH is Right For Your Business

by Dale Erling | May 16, 2025 | Small Business Payments & Operations

Why ACH Payments Are Right for Your Business (2026 Guide) By Dale Erling | Updated May 2026 | 12-minute read If you’re still paying 2–3% per transaction on credit card fees for recurring billing or worse, chasing paper checks you’re leaving real money on...
Protect Your Business from the Rising Chargeback Threat

Protect Your Business from the Rising Chargeback Threat

by Dale Erling | May 15, 2025 | Small Business Payments & Operations

As a small business owner, few things can be as frustrating and costly as chargebacks. According to Mastercard’s 2025 global report on chargeback trends, this problem is only growing, with global chargeback volume predicted to reach 324 million transactions by...
Understanding ACH Payments: A Business Owners Guide March 2025

Understanding ACH Payments: A Business Owners Guide March 2025

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

Understanding ACH Payments: A Business Owner’s Guide Updated October 2025 Executive Summary ACH (Automated Clearing House) payments are electronic bank-to-bank transfers that offer small businesses a cost-effective alternative to credit card processing and wire...
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