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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 | Oct 22, 2025 | Small Business Payments & Operations

By Dale Erling 15+ Year Payments & fintech experience | Updated March 2026 | 12-15 Minute read Executive Summary Credit card processing fees are eating into small business margins more than ever. In 2026, the average small business pays somewhere between 2.5% and...
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...
How Will Executive Order 14247 Affect Local Government Payments?

How Will Executive Order 14247 Affect Local Government Payments?

by Dale Erling | Oct 7, 2025 | Government & Private Sector

The Executive Challenge: Beyond Patchwork Systems Executive Summary Federal Executive Order 14247 requires a transition to 100% electronic payments by September 30, 2025. This guide outlines how local Treasurers and Finance Directors can modernize their...
Is Surcharging Right for Used Car Sales?

Is Surcharging Right for Used Car Sales?

by Dale Erling | Aug 10, 2025 | Payment Processing

Introduction In the world of used car sales, card transaction fees can be a constant concern for dealership management. Major card networks (Visa, Mastercard, etc.) charge non-negotiable processing fees for every card transaction. Did you know that your margins are...
What PCI PTS 6.x SRED: Means for Your Business

What PCI PTS 6.x SRED: Means for Your Business

by Dale Erling | Jun 12, 2025 | Security, Fraud & Compliance

Executive Summary What This Means for Your Business: PCI PTS 6.x SRED (Secure Reading and Exchange of Data ) is a security feature in modern payment terminals that automatically encrypts customer credit card information the moment it’s read. This encryption...
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