Marcus Bennett, Payments Risk & Compliance Analyst

Articles by Marcus Bennett

Low-angle view of a store aisle with shelves stocked with packaged products, reflected in a glossy floor

Oct 23, 20269 min read

When a 7-OH Ban Hits: Refunds, Open Orders, and Pulled Stock

A 7-OH ban checklist: what to do with inventory, open orders, autoships, gift cards, and refunds so you wind down cleanly and protect your merchant account.

Marcus Bennett

Close-up of a seated man in a dark gray blazer and brown trousers tapping the screen of a white tablet

Oct 23, 20269 min read

Taking Cards at Gun Shows: A Mobile Setup for FFL Dealers

Set up gun show credit card processing that works with bad signal, big tickets and transfer paperwork. Hardware, offline mode, fraud checks and a checklist.

Marcus Bennett

Toy minifigure with a worried expression sitting at a miniature office desk with a computer monitor and lamp

Oct 23, 20268 min read

Shopify Payments Suspended? Why It Happens and Your Next Steps

Shopify Payments account suspended? Learn why stores get shut down, how to answer a review, what happens to held payouts, and how to keep selling.

Marcus Bennett

Bright loft office with grey sectional sofa, white meeting table and chairs, wall-mounted TV and tall industrial windows

Oct 23, 20269 min read

Selling Delta-8 and THCA Online: Payment Processing Options

Delta 8 payment processing explained: why THCA and delta-8 face stricter underwriting than CBD, and how online stores keep their processor.

Marcus Bennett

Three shotgun shells beside an engraved side-by-side shotgun resting on camouflage fabric

Oct 23, 20268 min read

Selling Ammo Online: Age Checks and State Shipping Limits

Selling ammo online: age verification, state shipping limits and the checkout controls processors expect, so you're prepared for underwriting review.

Marcus Bennett

Woman in burgundy jeans and black ankle boots sits in a tan armchair by a cafe window, using a smartphone

Oct 23, 20268 min read

Online Age Verification for Vape Stores: What Underwriters Expect

Learn why a popup age gate falls short and how vape age verification online works, from database checks to ID scans, without losing sales.

Marcus Bennett

Overhead view of a green tea bowl on a stone plate with bamboo whisks, a bowl of green powder and dried herbs

Oct 23, 20269 min read

Kratom Autoship: Recurring Billing Without Getting Shut Down

Run a kratom subscription or autoship program that processors accept: consent language, pause options, banned-state handling and smart retry rules.

Marcus Bennett

Empty cafe bar interior with wood floors, black-and-white checkered tile, patterned chairs and exposed ductwork

Oct 23, 20268 min read

Kava and Kratom Bar POS: Tabs, Shells, and Card Readers

Choosing a kratom bar POS system? See which features handle open tabs, shell rounds, age checks, and retail shelves, and how to vet a processor.

Marcus Bennett

Hemp leaves behind a small bowl of hemp seeds and an amber spray bottle of hemp oil on burlap, with seeds scattered

Oct 23, 20268 min read

Hemp THC Excise Taxes by State: Setting up Your Register Right

Learn how a hemp THC excise tax stacks with sales tax and how to set up your POS and online checkout to collect, show, and report it correctly.

Marcus Bennett

Woman with a black bob in a pink striped shirt typing on a laptop at a white desk in a bright office

Oct 23, 20268 min read

Excessive Chargeback Programs: What Happens If You're Enrolled

Enrolled in an excessive chargeback program? Learn what Visa and Mastercard enrollment triggers, from fines to remediation plans, and how to exit in time.

Marcus Bennett

Smartphone in a dashboard mount showing GPS navigation, with a steering wheel and blurred traffic lights ahead

Oct 23, 20269 min read

Cannabis Delivery Payments: Cash Limits and Driver Safety

How licensed services handle cannabis delivery payment within vehicle cash limits, verify ID at the door, and protect drivers with prepaid ACH.

Marcus Bennett

Black vape pen with clear tank standing upright against a dark background, lit by a narrow side light

Oct 23, 20268 min read

Best Vape Shop POS: Nicotine Strengths, mL Tax, and Age Checks

Find the best POS system for vape shop owners: compare flavor and nicotine variants, per-mL tax, ID scanning, and high-risk processor compatibility.

Marcus Bennett

Close-up of a glass dropper releasing a thin stream of golden CBD oil onto a dark surface with a blurred light behind

Oct 23, 20269 min read

Best POS for CBD and Delta 8 Shops: Age Checks, Potency, Taxes

Choosing a CBD store POS system? Use this checklist for ID scanning, batch and COA tracking, hemp taxes, and terminals that work with high-risk processors.

Marcus Bennett

Smartphone, tablet, monitor and laptop showing shopping cart icons, linked to a router beside a globe

Oct 23, 20268 min read

3-D Secure 2 Explained: Fewer Fraud Chargebacks, Less Friction

Learn how 3D Secure 2 works, when the liability shift applies, and how to trigger it selectively to cut fraud chargebacks with less checkout friction.

Marcus Bennett

Woman at an office desk holds up a printed report of charts and points to it with a pen, beside a calculator and folders

Oct 22, 20268 min read

Visa Dispute Monitoring Programs: What Triggers Enrollment

Learn how the Visa chargeback monitoring program measures disputes and fraud, what happens if you're flagged, and how to build a remediation plan.

Marcus Bennett

Man in a maroon beanie sketching a flowchart with barcode and price steps on a whiteboard with a marker

Oct 22, 20269 min read

Vape Taxes by State: Per-mL vs. Wholesale Tax at the Register

Learn how vape tax by state works, from per-mL to wholesale and retail models, and how to set each up correctly in your POS and online checkout.

Marcus Bennett

Black vape mod with red damask panel and tank beside eyeglasses, an open lined notebook and a pen on a wooden desk

Oct 22, 20269 min read

Vape Shop Merchant Accounts: Federal Rules, Age Checks, and Approval

Learn how federal remote-sale duties, age verification, and state shipping laws affect a vape merchant account, plus what to expect on rates and reserves.

Marcus Bennett

Close-up of a silver vape pen with a clear glass tank, black drip tip and fire button on a white fabric surface

Oct 22, 20268 min read

State Vape Registry Laws: Selling Only Listed Products

Learn what a state vape registry law requires, how to check inventory against the list, and how to block non-listed SKUs in your POS and online store.

Marcus Bennett

Close-up of worn round number keys on an antique metal cash register, including red-topped keys and fractions

Oct 22, 20269 min read

State Gun and Ammo Excise Taxes: Setting up Your Register

Learn how firearm and ammunition excise tax by state differs from federal excise tax, and how to set up your POS and checkout to collect it correctly.

Marcus Bennett

Dried cannabis buds with orange hairs overflowing an open glass jar on a white background

Oct 22, 20268 min read

Putting an ATM in Your Dispensary: Fees, Placement, and Rules

Thinking about an ATM for dispensary customers? Compare owning, leasing and placement deals, surcharge revenue math, self-loading and placement rules.

Marcus Bennett

Close-up of two hands holding a white smartphone with a blank screen, thumb poised to tap, against a muted blue-gray background

Oct 22, 20269 min read

Online Kratom Age Verification: What Processors Look For

Compare kratom age verification methods, from age gates to ID scans, and see which ones processors tend to view as real verification.

Marcus Bennett

Empty modern conference room with long white table, black leather chairs, desk phone, wall-mounted TV and frosted glass wall

Oct 22, 20268 min read

NICS Denied or Delayed: Refunding a Gun Buyer the Right Way

Handle a NICS denial refund without inviting chargebacks. Learn when to charge, how to refund denied or delayed buyers, and what policy to put in writing.

Marcus Bennett

Young man in glasses and blue button-down shirt writing notes in a notebook while seated on a yellow couch

Oct 22, 20269 min read

Merchant Account Application Denied? Common Reasons and Fixes

Merchant account application denied? Learn the most common underwriting denial reasons and the concrete fixes that give your reapplication a real chance.

Marcus Bennett

Oct 22, 20269 min read

Free Trial and Subscription Billing Rules From Visa and Mastercard

Learn the free trial billing rules Visa and Mastercard set for consent, reminders and cancellation, plus a checklist to protect approvals and chargebacks.

Marcus Bennett

Close-up of a hand in a dark suit sleeve holding a rolled 100 euro banknote and a gold smartphone

Oct 22, 20269 min read

Chargeback Ratio: How to Calculate It and What's Too High

Learn how to calculate your chargeback ratio the way networks and processors do, with worked examples and a simple dashboard to stay below review limits.

Marcus Bennett

Two cork-stoppered glass bottles of yellow and purple herbal oil on burlap surrounded by dried lavender sprigs

Oct 22, 20269 min read

CBD Subscriptions and Autoship: Billing Without Getting Shut Down

Learn how CBD subscription billing works without account terminations: clear consent, reminder emails, easy cancellation and no trial-offer traps.

Marcus Bennett

Close-up of a dried cannabis bud with orange hairs and frosty trichomes resting in a silver metal tin lid

Oct 22, 20269 min read

Cannabis Dispensary Payments: Legal Options That Won't Get You Cut Off

Cannabis payment processing explained: why card networks say no, why cashless ATMs are risky, and the compliant ways dispensaries can get paid.

Marcus Bennett

Close-up of a white laptop keyboard with a green shopping cart icon on the enter key, suggesting online checkout

Oct 22, 20269 min read

Best High-Risk Merchant Account Providers: How to Vet Them

Comparing high-risk merchant account providers? Learn how to vet acquiring banks, reserves, pricing and termination history before you sign.

Marcus Bennett

Woman with pink nails holding a smartphone above an open laptop with a USB key resting on it at a wooden desk

Oct 22, 20269 min read

Age Verification for Delta 8 Online: Checkout Tools That Pass Review

Compare pop-up age gates with ID-based delta 8 age verification online, and learn which checkout tools hold up with processors, states and carriers.

Marcus Bennett

Young woman sipping an iced drink while looking at her pink smartphone in a dimly lit cafe

Oct 22, 20269 min read

Accepting Payments for 7-OH Online When Cards Say No

Compare 7-OH online payment options (ACH, eCheck, pay-by-bank and crypto) on cost, conversion, return risk and staying power so your store keeps selling.

Marcus Bennett

Green herbal powder capsules spilling from a white supplement bottle beside a round metal lid on a white surface

Oct 22, 20268 min read

7-OH vs. Kratom Leaf: Why Processors Underwrite Them Differently

Weighing a 7-OH vs. kratom merchant account? Learn why processors underwrite them differently and what to ask before adding 7-OH to your store.

Marcus Bennett

Scientific calculator and black pen resting on a printed financial statement with handwritten checkmarks and notes

Oct 22, 202610 min read

280E and Payment Fees: Can Dispensaries Deduct Processing Costs?

See how 280E payment processing fees, banking charges and armored car costs are treated, and why every fee cuts deeper into a dispensary's after-tax margin.

Marcus Bennett

Close-up of a hand signing a printed contract with a silver pen on a wooden desk

Oct 21, 20268 min read

What Is a High-Risk Merchant Account? How It Works and Who Needs One

Learn what a high-risk merchant account is, why processors assign one, and how rates, reserves and terms differ, so you know what to expect before applying.

Marcus Bennett

Close-up of an open accounting ledger with handwritten names and columns of figures on blue and red grid paper

Oct 21, 202610 min read

Visa Chargeback Reason Codes: Every Category Explained

Visa chargeback reason codes explained by category: what each dispute type claims, the evidence that answers it and how to prevent it.

Marcus Bennett

Close-up of a black-and-white barcode label on a silver metal can, the kind of SKU code scanned at a POS checkout

Oct 21, 20269 min read

Vape Flavor Bans by State: Locking Banned SKUs in Your POS

Learn how a vape flavor ban by state or city works, then set up your POS and checkout so restricted flavors can't be sold or shipped there.

Marcus Bennett

Close-up of two people shaking hands, one in a dark suit jacket, over a conference table with brown chairs

Oct 21, 20269 min read

Selling 7-OH Tablets at a Gas Station: Is Your Card Account at Risk?

Selling 7-OH at a gas station can put card acceptance for fuel and groceries at risk. Learn how processors find out and how to weigh the trade-off.

Marcus Bennett

Close-up of three dried cannabis flower buds with orange pistils stacked on a plain white background

Oct 21, 20269 min read

Schedule III Rescheduling: What Changes for Dispensary Payments

Cannabis rescheduling payment processing explained: what Schedule III could change for dispensaries, like federal taxes, and what it won't fix at checkout.

Marcus Bennett

Hand holding a red payment card beside a laptop showing an online store sale page, suggesting an e-commerce checkout

Oct 21, 20268 min read

Ringing 7-OH as 'Herbal Supplements': The Miscoding Risk

7-OH transaction laundering can end your card acceptance. Learn how processors detect miscoded sales and how to disclose 7-OH the right way.

Marcus Bennett

Flat lay of green herbal powders in ceramic bowls with fresh herbs, a succulent, a balm tin and a corked glass bottle

Oct 21, 20268 min read

Kratom Chargebacks: Winning 'Not Received' and Unknown Charges

Learn how to fight kratom chargebacks for missing packages and unrecognized charges, build evidence that wins, and keep your dispute ratio in check.

Marcus Bennett

Rendered image of a long-barreled revolver with a wooden grip lying on a beige fabric mat over a wooden table

Oct 21, 20269 min read

Gun Store Merchant Account Terminated? Recovering Held Funds

Gun store merchant account terminated? Learn how to read the notice, get held funds released, keep selling, and apply with a firearms-friendly processor.

Marcus Bennett

Stainless steel revolver with black grip lying in coarse sand, surrounded by scattered brass bullet casings

Oct 21, 20269 min read

Firearm Waiting Periods: When to Charge and When to Refund

Firearm waiting period payment guide for gun dealers: when to charge, how to hold guns, and how to handle refunds, no-shows, and chargebacks.

Marcus Bennett

Smiling woman with long hair typing on a laptop at a desk in a modern office, takeaway coffee cup beside her

Oct 21, 20269 min read

FDA Disposable Vape Crackdown: What It Means for Your Processor

FDA unauthorized disposable vapes put vape shop merchant accounts at risk. Learn how processors audit catalogs and what documents protect your account.

Marcus Bennett

Stack of 50 euro banknotes blurring through a gray cash counting machine with a green LCD display showing denomination sort

Oct 21, 20268 min read

Dispensary Cash Management: Safes, Counting, and Armored Pickup

Build a dispensary cash management workflow: drawer limits, smart safes, counting, armored pickup, cost drivers and the security rules regulators inspect.

Marcus Bennett

Person in a light blue shirt writing notes on a notepad beside a laptop at a wooden desk against an orange wall

Oct 21, 20269 min read

Chargeback Ratio Thresholds: How Close Is Too Close?

Learn how a chargeback ratio threshold is calculated, how card network monitoring works, and the warning signs to watch before your account is at risk.

Marcus Bennett

Corked glass bottle of clear oil with a blank tag, surrounded by fresh basil leaves and flower sprigs on white linen

Oct 21, 20268 min read

CBD Website Claims That Get Merchant Accounts Shut Down

Learn the CBD website compliance mistakes underwriters flag, from disease claims to reviews, and how to rewrite pages to hold up under processor review.

Marcus Bennett

Gloved hands holding a purple-capped test tube, a person in a green face mask and dark hood behind

Oct 21, 20269 min read

CBD Certificates of Analysis: The Lab Docs Processors Demand

Learn the CBD certificate of analysis requirements underwriters check, from batch matching to total THC math, so your files are ready for review.

Marcus Bennett

3D render of an open laptop with a blank screen surrounded by small cardboard shipping boxes on a white background

Oct 21, 20269 min read

Best WooCommerce Payment Gateways for Kratom Stores

Choosing a kratom payment gateway for WooCommerce? Learn why mainstream plugins are risky and how NMI or Authorize.net on a high-risk MID can stay live.

Marcus Bennett

Person assembling an AR-style rifle on a couch, with a pistol grip, buttstock and small part on a wooden table in front

Oct 21, 202610 min read

80% Lowers and Gun Parts: Why Processors Shut Down Sellers

80 lower payment processing explained: why underwriters flag parts kits, triggers and solvent traps, and the checkout controls that keep your account live.

Marcus Bennett

Locked metal cash box with keys, coins and notes

Oct 20, 20268 min read

Why Is My Processor Holding My Funds? Causes, Documents and Fixes

Processor holding funds? Learn why holds happen, which documents speed a release, and how to escalate without risking your merchant account.

Marcus Bennett

White capsule, brown, red, pink and white tablets beside a sprig of green parsley leaves on a wooden surface

Oct 20, 20269 min read

Where Is Kratom Illegal? Blocking Banned States at Checkout

Where is kratom illegal? See how state and local bans work and how to block restricted states and ZIP codes at checkout to protect your merchant account.

Marcus Bennett

Clear amber softgel supplement capsules scattered across a white surface in soft light

Oct 20, 20269 min read

Where Is 7-OH Banned? Blocking Restricted States at Checkout

Where is 7-OH illegal? Learn how state and local 7-OH bans work and how to block restricted states at checkout and POS to protect your merchant account.

Marcus Bennett

Red packing tape dispenser on a sealed cardboard shipping box, with stacks of flat cardboard boxes behind

Oct 20, 20268 min read

Where Can You Ship Delta 8? Blocking Banned States at Checkout

Delta 8 shipping restrictions by state explained: how to block banned states at checkout with shipping rules, address checks and product-level controls.

Marcus Bennett

E-cigarette surrounded by drifting clouds of vapor

Oct 20, 20269 min read

Vape Shop Merchant Account: Why You're Declined and How to Get Approved

Declined for a vape shop merchant account? Learn what high-risk underwriters check, from FDA status to age-gating and shipping, and how to get approved.

Marcus Bennett

Hand reaching for products on a vape shop's packed shelves

Oct 20, 20268 min read

Vape Shop Credit Card Processing Fees: What You Should Pay

Learn what vape shop credit card processing fees should cost: in-store vs. online rates, high-risk add-ons, reserves and your true effective rate.

Marcus Bennett

Flowering hemp plants with green buds and serrated leaves growing in a field against a dark forest background

Oct 20, 20268 min read

The Federal Hemp THC Ban: What It Means for Your Merchant Account

The federal hemp THC ban puts Delta 8 and THCA merchant accounts at risk. Learn how to audit products, work with your processor and plan inventory.

Marcus Bennett

Dried crushed green leaves in a rustic ceramic jar with a wooden spoon, beside a small lid and linen cloth

Oct 20, 20268 min read

The 7-OH Crackdown: What It Means for Your Kratom Processor

How the 7-OH kratom crackdown is changing processor risk policies, and how to audit your catalog and pull SKUs to protect your merchant account.

Marcus Bennett

Shop window displaying a closed sign and vintage brass tuba

Oct 20, 20269 min read

Stripe Closed My Account: Why It Happens and What to Do Next

Stripe closed my account: what now? Learn why aggregators shut accounts, what happens to held funds and how to move to a dedicated merchant account.

Marcus Bennett

Hand holding a black and red vape mod outdoors

Oct 20, 20269 min read

Shipping Vapes Under the PACT Act: ATF, USPS, and Carrier Bans

Learn what to check for PACT Act vape shipping: ATF registration, state reports, carrier policies, age-verified delivery and your merchant account.

Marcus Bennett

Thompson-style submachine gun with wooden stock and drum magazine beside an open violin-shaped case holding another

Oct 20, 20269 min read

Selling Guns Online: Checkout, FFL Transfers, and Payments

Sell guns online with payment processing that fits FFL transfers: gateway choice, ship-to-FFL checkout, authorization timing, state blocks and fraud.

Marcus Bennett

Cannabis plant beside a dropper bottle and bowl of seeds

Oct 20, 20268 min read

Selling CBD on Shopify: Which Payment Gateways Actually Work

Planning to sell CBD on Shopify? Learn the platform's hemp rules, how third-party gateways and extra fees work, and what underwriters check first.

Marcus Bennett

Small shaggy dog sniffing an amber dropper bottle with a blank green label on a soft gray blanket

Oct 20, 20268 min read

Processor Dropped Your CBD Store? Getting Held Funds Back

CBD merchant account terminated? Learn how to request held funds, check MATCH list exposure, keep taking payments and prepare a stronger application.

Marcus Bennett

Oct 20, 20268 min read

Processor Dropped You Over 7-OH? Getting Your Held Funds Back

Merchant account terminated over 7-OH? Learn how reserve holds work, how to request your funds, check MATCH status and keep taking payments legally.

Marcus Bennett

Close-up of fine green powder heaped in a wooden bowl

Oct 20, 20269 min read

Kratom Merchant Account: What Underwriters Need to Approve You

Applying for a kratom merchant account? See the lab tests, GMP records, policies and processing history underwriters expect, and the red flags to avoid.

Marcus Bennett

Blue wooden shelves in a botanical shop lined with labeled glass jars of loose dried herbs and tea, plus small tins and cups

Oct 20, 20269 min read

Kratom Merchant Account Terminated? Recovering Funds and Reapplying

Kratom merchant account terminated? Learn how to request held funds, check for a MATCH listing and rebuild an application with a 180-day recovery plan.

Marcus Bennett

Bowl of fine green herbal powder on a pink surface

Oct 20, 20268 min read

Kratom Credit Card Processing Fees: Rates, Reserves, and MCC Codes

Learn what drives kratom credit card processing fees, from rates and rolling reserves to MCC coding, and how to spot a predatory high-risk quote.

Marcus Bennett

Smiling woman in a beige hijab and dark blazer tapping a card on a countertop payment terminal against a black backdrop

Oct 20, 20269 min read

Kratom Consumer Protection Act by State: Rules for Your Register

See how the Kratom Consumer Protection Act by state affects age checks, labels, and registration, and how to set your POS and checkout to stay compliant.

Marcus Bennett

Stacks of silver and copper coins beside blue and black ballpoint pens resting on a printed financial document

Oct 20, 20269 min read

How to Open a Bank Account for Your Dispensary (And What It Costs)

Learn what banks and credit unions require to open a bank account for your dispensary, from license documents to monthly compliance and cash deposit fees.

Marcus Bennett

Open leather wallet showing a row of credit cards

Oct 20, 20268 min read

How Do Chargebacks Work? The Full Dispute Lifecycle, Step by Step

How do chargebacks work? Follow each stage from dispute to arbitration, see when money leaves your account, and learn where you can step in.

Marcus Bennett

Close-up of brass rifle cartridges with copper-tipped bullets piled in a clear plastic container

Oct 20, 20268 min read

Gun Store Credit Card Processing Fees: What's a Fair Rate?

Understand gun store credit card processing fees: what drives your rate, which high-risk markups you can negotiate and how to read your statement.

Marcus Bennett

Man holding a card and smartphone in front of a laptop

Oct 20, 202610 min read

Friendly Fraud: How to Spot It and Fight Back Without Losing Customers

Learn how to tell friendly fraud from buyer's remorse and billing confusion, gather evidence that wins disputes, and keep the customers worth keeping.

Marcus Bennett

Gun store wall with rifles and flags on display

Oct 20, 20268 min read

Firearms Merchant Accounts: Why Gun Stores Get Declined and How to Fix It

Learn why gun stores get declined for a firearms merchant account, what underwriters check, and how FFL dealers can prepare an application that holds up.

Marcus Bennett

Brass revolver cartridges and spent shell casings scattered on a light wooden table, one round standing upright

Oct 20, 20269 min read

FFL Transfer Fees: How to Price, Collect, and Refund Them

Set an FFL transfer fee that covers your time, collect it online before the gun ships, and write refund rules for NICS denials and no-show buyers.

Marcus Bennett

Glowing white neon 'open' sign inside an orange neon circle hanging in a dark shop window at night

Oct 20, 20268 min read

Does Square, Stripe, or Shopify Allow Vape Shops?

Does Square allow vape sales? Learn where to check Square, Stripe, PayPal and Shopify Payments rules, what happens to frozen funds and how to switch safely.

Marcus Bennett

Young man with clear glasses and dark jacket intently reading a large silver desktop computer monitor

Oct 20, 20268 min read

Does Square, Stripe, or Shopify Allow 7-OH? What Happens If You Try

Does Square allow 7-OH? Learn how Square, Stripe, Shopify and PayPal policies treat 7-OH products and what happens to your funds if you get flagged.

Marcus Bennett

Wooden bowl of fine green powder with a scoop and leaves

Oct 20, 20269 min read

Does Shopify, Square, or Stripe Allow Kratom? What Happens If You Try

Does Shopify allow kratom? Learn where Shopify, Square, Stripe and PayPal stand, what happens if you sneak through, and how to keep selling compliantly.

Marcus Bennett

Person marking printed financial documents with a red pen at a desk beside a laptop, charts, coffee mug and glasses

Oct 20, 20269 min read

Dispensary Bank Account Closed? What to Do in the First 30 Days

Dispensary bank account closed? Use this 30-day plan to keep payroll, vendors and taxes on track and build the documents a new cannabis bank wants.

Marcus Bennett

Rows of empty black mesh conference chairs with chrome frames arranged in a bright meeting room

Oct 20, 20268 min read

DEA Scheduling of 7-OH: What It Means for Your Card Processing

7-OH DEA scheduling explained for merchants: each stage from FDA recommendation to final rule, how processors react, and how to protect your funds.

Marcus Bennett

Close-up of a hand writing with a pen on blank paper

Oct 20, 20269 min read

Chargeback Rebuttal Letter: Template and Evidence That Wins

Write a chargeback rebuttal letter issuers can review fast: fill-in template, evidence checklists by reason code, and mistakes to avoid.

Marcus Bennett

Hemp leaves, a bowl of hemp seeds and an amber CBD oil bottle with a dropper on burlap in soft outdoor light

Oct 20, 20268 min read

CBD Merchant Accounts: Getting Approved for Hemp Products

Learn what underwriters require for a CBD merchant account: COAs, label and website reviews, rates and reserves, plus how to apply with fewer delays.

Marcus Bennett

Amber dropper bottle of oil resting on a cannabis leaf

Oct 20, 20269 min read

CBD Credit Card Processing Fees: Rates, Reserves, and Hidden Costs

Understand CBD credit card processing fees: high-risk rates, rolling reserves, MCC coding and hidden costs, plus how to compare and negotiate a quote.

Marcus Bennett

Clear glass bottle of golden oil on a white surface surrounded by white and pale pink blossoms

Oct 20, 20269 min read

CBD Chargebacks: Winning 'Didn't Work' and Unrecognized Charges

Learn why CBD chargebacks happen, which evidence wins 'didn't work,' unrecognized and lost-package disputes, and how to protect your merchant account.

Marcus Bennett

Glass jars of cannabis flower on a wooden counter by a plant wall

Oct 20, 20269 min read

CanPay vs. Aeropay vs. Hypur: Pay-by-Bank Apps for Dispensaries

CanPay vs Aeropay vs Hypur: compare merchant fees, customer fees, POS integrations and enrollment friction to pick a pay-by-bank app your shoppers will use.

Marcus Bennett

Businessman in navy suit and polka-dot tie overlaid on a dark laptop keyboard with a shopping cart key

Oct 20, 20268 min read

Can You Take Credit Cards for Online Vape Sales?

Learn how to accept credit cards for online vape sales: card network rules, gateway requirements, ACH options, and how to keep your account live.

Marcus Bennett

Brass pistol cartridges, some standing upright and some lying on their sides, on a glossy reflective surface in warm light

Oct 20, 20269 min read

Best POS for Gun Stores: Bound Book, 4473, and Serial Tracking

Find the best POS system for gun store needs: a checklist for bound book integration, e4473, serialized inventory, and processing contracts that last.

Marcus Bennett

Close-up of a silver laptop keyboard with the enter key relabeled 'Jetzt kaufen' (Buy now) in green letters

Oct 20, 20268 min read

Best Payment Gateway for an Online Vape Store: What Actually Works

Choosing the best payment gateway for vape store sales? Compare plugins, age checks, state blocking, reserves and saved-card portability before you sign.

Marcus Bennett

Bright, empty meeting room with a white table, grey chairs, potted succulents, a wall-mounted TV and black-framed windows

Oct 20, 20269 min read

Best Dispensary POS Systems: Metrc Sync, Limits, and Payments

Choosing the best dispensary POS system? Use this checklist for Metrc sync, purchase limits, medical pricing, ID checks and compliant payment options.

Marcus Bennett

Two professionals in suits holding pens while reviewing a printed document across a desk with a laptop

Oct 20, 20269 min read

Bank Closed Your Account Over 7-OH? Business Banking Options

Bank closed your account over 7-OH? Learn what happens to pending card settlements, what documents banks want, and how to set up a backup account.

Marcus Bennett

Dark-haired woman with red nails exhaling vapor from a colorful disposable vape pen against blurred warm lights

Oct 20, 202610 min read

ACH and eCheck for Online Vape Stores: A Backup When Cards Fail

Learn how ACH payments for vape stores work, how to get approved, and how to control returns and age checks when card processing fails.

Marcus Bennett

Shop owner holding a soap bar in a refill store with wooden shelves

Oct 20, 20268 min read

7-OH Merchant Accounts: How to Get Approved and Stay Open

Learn what underwriters check for a 7-OH merchant account, the documents and website fixes to prepare, and how to keep your account open.

Marcus Bennett

Pale green herbal capsules next to a fresh green leaf on white

Oct 20, 20269 min read

7-OH Credit Card Processing Fees: Rates, Reserves, and Holds

Understand 7-OH credit card processing fees: rates, rolling reserves, payout delays and contract fees, plus how to compare quotes on true effective cost.

Marcus Bennett

Three glass jars filled with coins on a wooden surface

Oct 19, 20265 min read

What Is a Rolling Reserve? How Merchant Reserves Work and How to Lower Them

Learn how a rolling reserve works, how it compares with upfront and capped reserves, and practical steps high-risk merchants can take to reduce reserves.

Marcus Bennett