Credit Card Processing 101

Are Instant Payments For Businesses Worth the Hype?

In today’s fast-paced payment landscape, instant payments move money in seconds—not days—giving business owners the speed, certainty, and cash flow they need to stay competitive.

Credit Card Processing 101

TeacherZone + ECS Payments: All-in-One for Lessons and Billing

Tired of chasing payments and juggling apps? TeacherZone, powered by ECS Payments, streamlines scheduling and payments so teachers and coaches can focus less on admin—and more on what they love.

Credit Card Processing 101

What is vPOS, and Is it the Right Solution For Your Business?

The most efficient businesses aren’t using outdated registers—they’re thriving with VPOS systems that make payments seamless across in-store, phone, and online checkouts.

Credit Card Processing 101

Navigating the New “Click to Cancel” Law: What Merchants Need to Know in 2025

Running a subscription-based business? The FTC’s new Click to Cancel Rule could impact how you retain trust, stay compliant, and avoid costly penalties

Credit Card Processing 101

Understanding Payment Processor Fees and How to Optimize Them

Credit card fees eating into your profits? Learn how to cut costs, avoid hidden charges, and keep great service—all without the confusion.

Credit Card Processing 101

Recession vs Depression: How To Protect Your Business

knowing the key differences and outcomes of a depression and a recession can better help prepare your business to succeed no matter the economic climate.

Credit Card Processing 101

Charging Credit Card Fees: Understanding the Legality and Best Practices

Charging credit card fees to customers is a great way to avoid extra costs for your business. However, surcharges have regulations you must follow.

Credit Card Processing 101

ECS Merchant 101: Credit Card Authorization Explained

A credit card authorization protects both the merchant and the cardholder. The merchant can ensure funds are available before delivering goods or services and

Credit Card Processing 101

Fraud Management Solutions: Does Your Business Need One?

Layered fraud management solutions use various advanced methods to prevent fraud losses that can significantly affect businesses.

Credit Card Processing 101

How To Accept Digital Wallet Payments

Digital wallets provide secure mobile payments, boost sales, expedite checkout, enhance security, and attract customers. Businesses can accept them with an NFC card reader.

Credit Card Processing 101

ACH Reversals vs. ACH Returns

ACH reversals correct transactions that may have errors, while ACH returns occur when a transaction fails or is rejected before funds are transferred.

Credit Card Processing 101

Understanding High-Risk Payment Processing Gateways: A Comprehensive Guide

High-risk payment processing gateways cater to high-risk businesses. They specialize in handling larger transaction volumes & international transactions.

Credit Card Processing 101

Mastering High-Risk Payment Processing: Strategies, Challenges, and Solutions for Businesses

To navigate the challenges that come along with high-risk payment processing such as chargebacks, fraud, and fees, you need to understand how payment processing works.

Credit Card Processing 101

EdTech Payment Processing: Overcoming Risks and Enhancing Accessibility

How can EdTech companies seamlessly integrate and efficiently manage edTech payments? ECS Payment shows you the best payment solutions.

Credit Card Processing 101

Why NACHA API Standardization Matters For Your Business

NACHA API Standardization in the ACH network facilitates the translation process between systems of the payment ecosystem.

Credit Card Processing 101

How to Upgrade Your Payment Processing Equipment

Upgrade Your Payment Processing Equipment to Stay Ahead of the Tech Curve With Modern POS Solutions. Boost Security, Efficiency, and Customer Experience.

Credit Card Processing 101

Pre-Authorization Charges: What are they?

Preauthorization charges can be a great tool for merchants to protect their high-dollar transactions.

Credit Card Processing 101

9 Signs You Have a High-risk Business

9 signs that say your business is high-risk and will need high-risk payment processing solutions including the products you sell.

Credit Card Processing 101

Magnetic Stripe Card vs. EMV Chip Card

EMV Chip Card technology makes the transfer of credit card data safer than magnetic stripe cards. Mag stripes will be eliminated completely by 2024.

Credit Card Processing 101

Payment Processing Gateways 101

You need the right payment processing gateway to run your business. Learn everything you need to know about what to look for when selecting the right gateway.

Credit Card Processing 101

POS Debit, Descriptors, Disputes, and Point of Sale Charges 101

Learn how to properly navigate POS debit, optimize bank descriptors, and minimize chargebacks with our point-of-sale guide.

Credit Card Processing 101

Understanding B2B Payments

Explore efficient B2B payment processing solutions, including tailored integration for streamlined operations and enhanced customer experiences.

Credit Card Processing 101

SaaS Payment Processing

SaaS payment processing involves recurring payments. The recurring billing cycle is handled by the payment gateway or the subscription management software.

Credit Card Processing 101

Do I Need To Be PCI Compliant?

Do I Need to be PCI Compliant? See what the Payment Card Industry has to say about merchants who are PCI compliant.

Credit Card Processing 101

ECS Payments: Credit Card Processing Solutions

The best merchant service provider is ECS Payments credit card processing solutions. Offering 1. credit and debit card processing 2. In-house support 3.Integrated gateways.

Credit Card Processing 101

Online Payment Processing 101

ECS specializes in online payment processing and high-risk payment solutions for every type of eCommerce business.

Credit Card Processing 101

How the NMI and ECS Payments Partnership Can Benefit Your Business 

Access diverse features like multi-currency acceptance, virtual terminals, subscription management, and more with the NMI and ECS Payments partnership.

Credit Card Processing 101

POS Best Practices For Transaction Security

POS Best Practices For Transaction Security 1. Use The Most Up To Date POS Hardware 2. Do Not Leave Your POS Unattended 3. Monitor Activity.

Credit Card Processing 101

What Does PCI Stand For and What Is PCI Compliance?

PCI compliance is when a merchant follows standardized regulations for credit card security put forth by the PCI Security Standards Council.

Credit Card Processing 101

Retail Payment Processing 101

Without the right retail payment processing systems, services, and pricing structures, your business is missing out on savings that could multiply your revenue.

Credit Card Processing 101

What Is Straight Through Processing And How Can It Benefit Your Business?

Merchants using straight through processing can enjoy the benefits of seamless automated electronic data transfers.

Credit Card Processing 101

How Instant Bank Verification Can Help High-Risk Merchant Accounts

Instant Bank Verification helps high-risk merchants not only receive merchant account approval faster but if implemented in their ACH transaction flow.

Credit Card Processing 101

Signing Credit Card Receipts: Is it still Required?

Signing credit card receipts is now optional if you have an EMV-compliant credit card reader. EMV-compliant checkout carries many benefits.

Credit Card Processing 101

What is Authorize.net? A Payment Gateway Explained

Authorize.net is a gateway solution for traditional and high-risk merchant transaction processing. It offers many different tools for merchants to use.

Credit Card Processing 101

Why You Should Avoid Signing Up For Merchant Bank Credit Card Processing

Merchant Bank Credit Card Processing may not be the best solution for your business…and here’s why!

Credit Card Processing 101

5 Signs It’s Time to Switch Payment Processors Before the Holidays

5 signs it’s time to switch payment processors before the busy holiday season. 1. high fees or wrong payment structure 2. poor customer service.

Credit Card Processing 101

6 Red Flags Indicating That It’s Time To Switch Payment Processors

Red flags that you need to switch payment processors for your business include 1) expensive pricing structures 2) Hard-to-reach customer support.

Credit Card Processing 101

Temporary Merchant Accounts For Seasonal Businesses

Temporary Merchant Accounts could be an option for seasonal businesses, however, companies like ECS offer permanent merchant accounts for a better cost.

Credit Card Processing 101

What is a Merchant Services Provider?

A merchant service provider provides services to businesses that eneable digital payment collection for their products and services from their customers.

Credit Card Processing 101

Merchant Account Limits: A Guide

Merchant account limits are set in place to protect businesses, cardholders, and the financial institutions involved in the process.

Credit Card Processing 101

Everything Your Small Business Should Know About PCI Compliance

What is PCI Compliance? All things your small business needs to know about PCI compliance and how it affects you are answered here.

Credit Card Processing 101

How Payment Request APIs Work

Revolutionary payment request APIs have changed the way businesses accept online payments and has created a secure and seamless customer experience.

Credit Card Processing 101

ACH Processing Fees and The Hidden Costs Of Checks

ACH processing fees are typically less than one dollar. Flat rates can run between 2-4% of the entire transaction which could be hundreds.

Credit Card Processing 101

A Guide on How To Fight eCommerce Chargebacks

There are some best business practices you can implement to limit eCommerce chargebacks, like delivery verification & staying in touch

Credit Card Processing 101

Credit Card Processing 101: Understanding the Key Players, the Process, the Fees, and More

In this article: Credit Card Processing 101 we go over everything you need to know about credit card payments, solutions, and more

Credit Card Processing 101

Everything You Need to Know About Merchant Fees

With confusion surrounding merchant credit card fees, we easily explain everything you need to know about processing costs.

Credit Card Processing 101

Discover the Impact of Federal Reserve Interest Rates on Businesses

The impact of interest rates on business means that as interest rates rise, spending slows, profits decrease, accessible funds deminish, and business struggle

Credit Card Processing 101

Know the Difference: EMV Chip Cards Vs. Magnetic Stripe Cards

EMV Chip Cards Vs. Magnetic Stripe Cards: EMV chip cards offer reduced credit card fraud which means less liability and chargeback risk for merchants

Credit Card Processing 101

My Credit Card Processor Raised My Rates – Now What?

Finding the best credit card processor in 2023 can be a challenge, especially if your current one has raised your rates

Credit Card Processing 101

14 Tips To Lower Your Credit Card Processing Fees

14 Tips To Lower Your Credit Card Processing Fees 1. Do your Research 2. Understand the Difference Between a Payment Service Provider vs a Dedicated merchant

Credit Card Processing 101

Should My Business Accept American Express Credit Cards?

There’s a number of merchants that do not accept American Express. But if you’re wondering “should my business accept American Express?”

Credit Card Processing 101

Understanding Credit Card Processing Interchange Fees For Merchants 

Discover what hidden interchange fees you’re paying as a merchant to process credit card transactions. Learn what to do and how to better assess your contract.

Credit Card Processing 101

Understanding CVV Codes and Credit Card Security 

CVV codes are an excellent tool for preventing card-not-present fraud, but vigilance in protecting cardholder security is key.

Credit Card Processing 101

How to Start a Small Business in 2024: The Ultimate Guide

It’s necessary to learn the 12 key steps on how to start a successful small business in 2024 and bring your dreams to life.

Credit Card Processing 101

How to: Secure Your Business With Two-Factor Authentication

Two-factor authentication is an extra layer of security that involves multiple authentication methods: knowledge, possession, and inherence

Credit Card Processing 101

4 Steps to Take if You Are the Victim of Credit Card Fraud 

Credit card fraud impacts both cardholders and business owners. Discover how and ways to protect and recover yourself if you’re a victim of fraud

Credit Card Processing 101

How to Detect And Prevent Fraudulent Transactions

Discover key tools to prevent transaction fraud at your business, minimizing the risk that fraudulent transactions pose and their impact your business.

Credit Card Processing 101

Direct Marketing Continuity Subscriptions 101

Utilize our strategies to find the right payment processor for your direct marketing continuity subscriptions business

Credit Card Processing 101

Must-know Surcharging Rules To Protect Your Business

Surcharges at the point-of-sale can significantly reduce a merchant’s credit card fees. But it’s imperative to know surcharge rules to keep your business out of trouble

Credit Card Processing 101

6 Incredible Tips To Make Your Business Profitable During a Recession

Did you know you can actually use the recession to become a profitable small business? here’s some helpful tips

Credit Card Processing 101

The Simple Solution to Boost Your Sales Up to 30% in 2024

A powerful guide to help you increase sales in 2024, creativity and convenience is the new sales hack to increasing revenue

Credit Card Processing 101

Bank Chargeback: 6 Common Chargeback Reasons Merchants Should Be Aware of

Bank chargebacks can negatively affect merchants. There are 6 chargeback reasons your customers may be using to file disputes against you

Credit Card Processing 101

5 Simple Tips To Help Your Business Handle A Credit Card Processing Outage Like a Pro

Credit card processing outages can significantly disrupt a business. Learn the top 5 tips that will help you handle these occurrences like a pro

Credit Card Processing 101

8 Financial Tips All Small Business Owners Should Know

Financial tips all small business owners should know, or your most anticipated dream could become a nightmare.

Credit Card Processing 101

What Every Merchant Should Know About Securing Credit Card Information

Are you protecting your business and customers with secure online transactions? Everything you need to know about protecting credit card information online.

Credit Card Processing 101

4 Ways to Pass on Credit Card Fees to Your Customers Successfully

merchant credit card fees can really add up. Learn 4 different ways to successfully pass on credit card fees to customers with ease.

Credit Card Processing 101

Everything You Need to Know About Payment Reversal

Payment reversals can significantly impact a business. earn everything you need to know about how to minimize your risk and keep your customers happy

Credit Card Processing 101

How Will Holiday Consumer Spending Habits in 2024 Affect Merchants?

With 2023 coming to a close and inflation continuing to plague global consumers, how will the 2024 holiday consumer spending habits affect merchants

Credit Card Processing 101

Credit Card Fraud On The Rise: Is Your Business Protected?

Credit card fraud can severely wreck your personal credit and create a huge headache to clean up. We are offering advanced insight on fraud prevention.

Credit Card Processing 101

Become a Retail Inventory Expert: Learn The Difference Between UPC, SKU, and PLU

This guide is aimed at making you a product code expert. Learn the difference between UPC, SKU, and PLU, to streamline your business.

Credit Card Processing 101

Stop Wasting Money! Why Merchants Are Choosing Interchange Fee vs a Flat Fee

Interchange fee vs a flat fee, what’s best? All your questions answered when it comes to choosing the best processor pricing for your business.

Credit Card Processing 101

How Recession Affects the Economy? 8 Concepts You Need to Know

Gaining a better understanding of how recessions affect the economy and your business ensures healthy equipment for your financial future.

Credit Card Processing 101

Devastating Effects of Rising Gas Prices on Small Businesses

The pump’s impact weighs heavily on Americans. Strapping them with costly expenses that affect the economic machine as a whole.

Credit Card Processing 101

Battle Royale: Small Businesses vs Inflation

The small business community is undoubtedly creative and remarkably resilient. See how small businesses are fighting inflation.

Credit Card Processing 101

The Benefits of Contactless Payment Adoption

Adoption of contactless payments is the new era of consumer transaction trends. The benefits it offers consumers are sure to set your business apart.

Credit Card Processing 101

Why Interest Rates Are Going Up and How It Affects Your Business

A brief explanation of why are interest rates going up will better help you understand how the future of your business will be affected.

Credit Card Processing 101

How Inflationary Changes will Affect Small Businesses in 2024

The inflation of 2023 at 9.1%, was the highest in over 40 years. What does this dramatic influx mean for daily life and small businesses.

Credit Card Processing 101

Credit Card Processing for Tobacco Merchants

High-risk merchants selling tobacco products need a specialized payment processor to offer more ways to pay to increase sales and customers.

Credit Card Processing 101

What is a Money Service Business?

A money service business is any person, entity, partnership, or financial institution that handles the conversion or transfer of money.

Credit Card Processing 101

Payment Processing for New Business Owners

New business owner? Ready to accept card payments but don’t know where to start? Follow along for the 101 on all things payment processing.

Credit Card Processing 101

QR Codes: Payments Made Easy

Stand out as an innovative merchant with little effort. Optimize your point-of-sale with QR codes for payments. Your customers will love.

Credit Card Processing 101

Mobile and Contactless Payments

Everything you need to know about why your business should offer convenient and secure contactless payment options to your customers.