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Small Business Guide to Merchant Services 

Small Business Guide to Merchant Services 

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

Updated September 2026 Originally published August 15, 2025 Quick read Merchant services are everything you need to take card, wallet and ACH payments and get the money into your bank account. Most small businesses pay 1.5% to 3.5% per card sale. Your effective rate...
How the Right Payment Options Reduce Checkout Abandonment (2026)

How the Right Payment Options Reduce Checkout Abandonment (2026)

by Dale Erling | Aug 17, 2025 | Government & Private Sector, Small Business Payments & Operations

Updated October 2026 IntelliPay is a PCI DSS Level 1 certified payment processor working with businesses, utilities, schools, and government agencies nationwide. This guide covers which payment options to offer, why customers really leave checkout, and how to fix the...
Is Surcharging Right for Used Car Sales?

Is Surcharging Right for Used Car Sales?

by Dale Erling | Aug 10, 2025 | Government & Private Sector, Small Business Payments & Operations

Updated October 2026 IntelliPay is a PCI DSS Level 1 certified payment processor and AutoManager’s integrated payment partner for dealerships. This guide covers the card network rules and state laws that decide whether, and how, your dealership can surcharge....
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 2026

Electronic Check Processing: Reduce Fees & Improve Payments for Your Business in 2026

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

IntelliPay is a PCI DSS Level 1 payment processor serving government agencies, healthcare providers, and businesses across the United States. This guide explains how eCheck processing works, where it can lower acceptance costs, what affects settlement and returns, and...
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....
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