https://www.mannypay.io/beyond-the-swipe/Smarter Payments. Stronger Businesses. https://www.mannypay.io/beyond-the-swipe/industries/woocommerce-stores/woocommerce-deposits-and-partial-payments-setup-and-risks/https://www.mannypay.io/beyond-the-swipe/industries/woocommerce-stores/woocommerce-deposits-and-partial-payments-setup-and-risks/Fri, 23 Oct 2026 12:00:00 GMTSet up WooCommerce deposits and partial payment options the right way: plugins, saved-card balance charges, deposit terms and how to avoid balance disputes.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/jet-charter/wire-vs-card-vs-crypto-for-private-jet-charter-payments/https://www.mannypay.io/beyond-the-swipe/industries/jet-charter/wire-vs-card-vs-crypto-for-private-jet-charter-payments/Fri, 23 Oct 2026 12:00:00 GMTCompare private jet charter payment methods by cost, speed and fraud risk, and build a policy for cards, wires, ACH and crypto by trip size.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/jewelry/wire-vs-ach-vs-card-for-big-diamond-purchases/https://www.mannypay.io/beyond-the-swipe/industries/jewelry/wire-vs-ach-vs-card-for-big-diamond-purchases/Fri, 23 Oct 2026 12:00:00 GMTLearn when to accept wire transfer for jewelry purchase deals, how to offer a legal bank-payment discount, and how to stop fake wires and ACH reversals.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/7oh/when-a-7-oh-ban-hits-refunds-open-orders-and-pulled-stock/https://www.mannypay.io/beyond-the-swipe/industries/7oh/when-a-7-oh-ban-hits-refunds-open-orders-and-pulled-stock/Fri, 23 Oct 2026 12:00:00 GMTA 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.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/glossary/what-is-chargeback-representment-how-to-fight-disputes/https://www.mannypay.io/beyond-the-swipe/glossary/what-is-chargeback-representment-how-to-fight-disputes/Fri, 23 Oct 2026 12:00:00 GMTWhat is chargeback representment? Learn the dispute lifecycle, deadlines, what to put in a rebuttal packet and when a chargeback isn't worth fighting.Payments Glossary https://www.mannypay.io/beyond-the-swipe/glossary/what-is-a-card-not-present-transaction-risks-and-rates/https://www.mannypay.io/beyond-the-swipe/glossary/what-is-a-card-not-present-transaction-risks-and-rates/Fri, 23 Oct 2026 12:00:00 GMTLearn what a card not present transaction is, why phone, online and keyed payments cost more, who pays for fraud, and how to lower both.Payments Glossary https://www.mannypay.io/beyond-the-swipe/glossary/what-are-chargeback-reason-codes-how-to-read-them/https://www.mannypay.io/beyond-the-swipe/glossary/what-are-chargeback-reason-codes-how-to-read-them/Fri, 23 Oct 2026 12:00:00 GMTLearn how chargeback reason codes work, how Visa and Mastercard group them, and which evidence wins fraud, authorization, processing and consumer disputes.Payments Glossary https://www.mannypay.io/beyond-the-swipe/industries/web-design/web-design-change-orders-billing-scope-creep-without-losing-clients/https://www.mannypay.io/beyond-the-swipe/industries/web-design/web-design-change-orders-billing-scope-creep-without-losing-clients/Fri, 23 Oct 2026 12:00:00 GMTBuild a web design change order process that bills scope creep fairly, collects payment before extra work starts, and holds up if a client disputes it.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/locations/washington/seattle/washington-s-new-sales-tax-on-services-a-seattle-billing-guide/https://www.mannypay.io/beyond-the-swipe/locations/washington/seattle/washington-s-new-sales-tax-on-services-a-seattle-billing-guide/Fri, 23 Oct 2026 12:00:00 GMTWashington sales tax on services now covers IT, web development and digital ads. Learn how Seattle firms should tax invoices, payment links and card billing.Local Payment Guides https://www.mannypay.io/beyond-the-swipe/glossary/void-vs-refund-what-s-the-difference-and-which-costs-less/https://www.mannypay.io/beyond-the-swipe/glossary/void-vs-refund-what-s-the-difference-and-which-costs-less/Fri, 23 Oct 2026 12:00:00 GMTVoid vs refund explained: learn why voiding before the batch closes can save processing fees, when a refund is required, and how to train staff.Payments Glossary https://www.mannypay.io/beyond-the-swipe/industry-news/visa-decline-code-changes-oct-23-25-fix-your-retry-logic-now/https://www.mannypay.io/beyond-the-swipe/industry-news/visa-decline-code-changes-oct-23-25-fix-your-retry-logic-now/Fri, 23 Oct 2026 12:00:00 GMTVisa response code 57 retry rules tighten Oct. 25. Learn which declines to stop retrying, what new code 83 means and how to avoid reattempt fees.Payments News https://www.mannypay.io/beyond-the-swipe/merchant-education/using-pos-customer-data-to-market-smarter-on-a-small-budget/https://www.mannypay.io/beyond-the-swipe/merchant-education/using-pos-customer-data-to-market-smarter-on-a-small-budget/Fri, 23 Oct 2026 12:00:00 GMTLearn how POS customer data marketing works on a small budget: five reports to pull, four simple segments and the campaign each one needs.Merchant Education & Growth https://www.mannypay.io/beyond-the-swipe/industries/digital-products/usage-based-billing-for-saas-metering-invoices-and-card-limits/https://www.mannypay.io/beyond-the-swipe/industries/digital-products/usage-based-billing-for-saas-metering-invoices-and-card-limits/Fri, 23 Oct 2026 12:00:00 GMTUsage-based billing can trigger surprise bills, card declines and disputes. Learn how to meter usage, set thresholds and disclose overages so they get paid.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/veterinary/unpaid-vet-bills-lien-laws-collections-and-abandoned-pets/https://www.mannypay.io/beyond-the-swipe/industries/veterinary/unpaid-vet-bills-lien-laws-collections-and-abandoned-pets/Fri, 23 Oct 2026 12:00:00 GMTLearn how veterinary lien law, abandoned animal statutes and collections work so your clinic can handle unpaid vet bills legally and prevent new balances.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/travel/tour-operator-deposits-and-final-payment-due-dates-that-work/https://www.mannypay.io/beyond-the-swipe/industries/travel/tour-operator-deposits-and-final-payment-due-dates-that-work/Fri, 23 Oct 2026 12:00:00 GMTBuild a tour operator deposit policy with deposit amounts, final payment deadlines and cancellation tiers that match supplier costs and survive disputes.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/events-ticketing/ticket-fraud-stopping-stolen-cards-and-bot-buys-on-your-event/https://www.mannypay.io/beyond-the-swipe/industries/events-ticketing/ticket-fraud-stopping-stolen-cards-and-bot-buys-on-your-event/Fri, 23 Oct 2026 12:00:00 GMTTicket fraud prevention for event organizers: spot stolen-card and bot orders, tighten checkout, delay risky deliveries and defend chargebacks.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industry-news/thunes-and-coinbase-team-up-faster-cross-border-payouts-ahead/https://www.mannypay.io/beyond-the-swipe/industry-news/thunes-and-coinbase-team-up-faster-cross-border-payouts-ahead/Fri, 23 Oct 2026 12:00:00 GMTThe Thunes Coinbase partnership links stablecoins to local bank and wallet payouts. Learn what's live, what's planned and what to ask your payout provider.Payments News https://www.mannypay.io/beyond-the-swipe/industries/nonprofits/text-to-give-for-nonprofits-how-it-works-and-what-it-costs/https://www.mannypay.io/beyond-the-swipe/industries/nonprofits/text-to-give-for-nonprofits-how-it-works-and-what-it-costs/Fri, 23 Oct 2026 12:00:00 GMTCompare carrier-billed and text-to-link options for text to give for nonprofits, with fees, gift limits and payout timing so you pick the right model.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/professional-services/tax-preparer-fees-refund-transfers-vs-collecting-payment-upfront/https://www.mannypay.io/beyond-the-swipe/industries/professional-services/tax-preparer-fees-refund-transfers-vs-collecting-payment-upfront/Fri, 23 Oct 2026 12:00:00 GMTCompare tax preparer refund transfer fees with collecting payment upfront by card, plus disclosure tips and how to handle rejected returns and refunds.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/woocommerce-stores/taking-phone-orders-in-woocommerce-entering-cards-in-admin/https://www.mannypay.io/beyond-the-swipe/industries/woocommerce-stores/taking-phone-orders-in-woocommerce-entering-cards-in-admin/Fri, 23 Oct 2026 12:00:00 GMTLearn three ways to take a WooCommerce manual order credit card payment by phone—payment links, MOTO plugins and virtual terminals—while staying PCI-safe.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/retail/taking-credit-cards-over-the-phone-for-retail-orders-safely/https://www.mannypay.io/beyond-the-swipe/industries/retail/taking-credit-cards-over-the-phone-for-retail-orders-safely/Fri, 23 Oct 2026 12:00:00 GMTLearn the safe way to handle taking a credit card over the phone for retail orders: keyed fees, PCI-safe handling, fraud checks and chargeback proof.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/firearms/taking-cards-at-gun-shows-a-mobile-setup-for-ffl-dealers/https://www.mannypay.io/beyond-the-swipe/industries/firearms/taking-cards-at-gun-shows-a-mobile-setup-for-ffl-dealers/Fri, 23 Oct 2026 12:00:00 GMTSet up gun show credit card processing that works with bad signal, big tickets and transfer paperwork. Hardware, offline mode, fraud checks and a checklist.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/subscriptions/switching-processors-without-losing-subscribers-saved-cards/https://www.mannypay.io/beyond-the-swipe/industries/subscriptions/switching-processors-without-losing-subscribers-saved-cards/Fri, 23 Oct 2026 12:00:00 GMTLearn how to migrate card data to a new payment processor through a PCI-compliant vault transfer so most subscribers don't have to re-enter their cards.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/comparisons/surcharging-vs-cash-discount-vs-dual-pricing-which-is-legal/https://www.mannypay.io/beyond-the-swipe/comparisons/surcharging-vs-cash-discount-vs-dual-pricing-which-is-legal/Fri, 23 Oct 2026 12:00:00 GMTSurcharging vs cash discount vs dual pricing: compare card brand rules, debit limits, signage and state law so you can pick a compliant fee-offset model.Comparisons & Buying Guides https://www.mannypay.io/beyond-the-swipe/industries/low-risk-ecommerce/surcharging-online-orders-card-fee-rules-at-ecommerce-checkout/https://www.mannypay.io/beyond-the-swipe/industries/low-risk-ecommerce/surcharging-online-orders-card-fee-rules-at-ecommerce-checkout/Fri, 23 Oct 2026 12:00:00 GMTLearn the rules for a credit card surcharge at online checkout: where disclosures go, how to exclude debit cards, state limits and FTC hidden-fee risks.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/marketplaces/stripe-connect-fees-standard-vs-express-vs-custom-true-cost/https://www.mannypay.io/beyond-the-swipe/industries/marketplaces/stripe-connect-fees-standard-vs-express-vs-custom-true-cost/Fri, 23 Oct 2026 12:00:00 GMTStripe Connect fees vary by account type. See who pays active account, payout, instant and cross-border fees, with worked examples at 50 to 5,000 sellers.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/adult/strip-club-pos-systems-door-covers-vip-rooms-and-house-fees/https://www.mannypay.io/beyond-the-swipe/industries/adult/strip-club-pos-systems-door-covers-vip-rooms-and-house-fees/Fri, 23 Oct 2026 12:00:00 GMTChoosing a strip club POS system? Use this checklist for door covers, ID scanning, VIP room timers, dancer fees, and high-risk processing approval.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/apparel/store-credit-expiration-laws-can-your-boutique-s-credit-expire/https://www.mannypay.io/beyond-the-swipe/industries/apparel/store-credit-expiration-laws-can-your-boutique-s-credit-expire/Fri, 23 Oct 2026 12:00:00 GMTLearn how store credit expiration law, gift card rules and unclaimed property apply to your boutique, plus how to set up store credit in your POS.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/retail/store-charge-accounts-billing-contractors-and-business-customers/https://www.mannypay.io/beyond-the-swipe/industries/retail/store-charge-accounts-billing-contractors-and-business-customers/Fri, 23 Oct 2026 12:00:00 GMTLearn how to set up store charge accounts for contractors: credit terms, POS tracking, card-on-file autopay, enhanced card data and past-due collections.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/moving/storage-in-transit-and-monthly-storage-billing-for-movers/https://www.mannypay.io/beyond-the-swipe/industries/moving/storage-in-transit-and-monthly-storage-billing-for-movers/Fri, 23 Oct 2026 12:00:00 GMTMoving and storage billing made reliable: set up card-on-file autopay for SIT and vault storage, recover declines and follow lien rules before any sale.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/low-risk-ecommerce/squarespace-payment-fees-stripe-vs-paypal-vs-squarespace-payments/https://www.mannypay.io/beyond-the-swipe/industries/low-risk-ecommerce/squarespace-payment-fees-stripe-vs-paypal-vs-squarespace-payments/Fri, 23 Oct 2026 12:00:00 GMTUnderstand Squarespace payment processing fees: how plan transaction fees and Stripe, PayPal or Squarespace Payments rates combine on every order.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/woocommerce-stores/square-for-woocommerce-syncing-online-and-in-store-sales-right/https://www.mannypay.io/beyond-the-swipe/industries/woocommerce-stores/square-for-woocommerce-syncing-online-and-in-store-sales-right/Fri, 23 Oct 2026 12:00:00 GMTSquare for WooCommerce can sync your counter and online store. Learn how inventory sync works, where it breaks, and how it compares to WooPayments.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/retail/special-order-deposits-how-retailers-collect-payment-upfront/https://www.mannypay.io/beyond-the-swipe/industries/retail/special-order-deposits-how-retailers-collect-payment-upfront/Fri, 23 Oct 2026 12:00:00 GMTLearn how a special order deposit in retail works: take partial payments in your POS, write a clear deposit policy, and avoid disputes and unpaid inventory.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/grocery/snap-trafficking-charges-how-grocers-lose-ebt-and-how-to-avoid-it/https://www.mannypay.io/beyond-the-swipe/industries/grocery/snap-trafficking-charges-how-grocers-lose-ebt-and-how-to-avoid-it/Fri, 23 Oct 2026 12:00:00 GMTLearn the SNAP trafficking penalties for retailers, the EBT patterns that draw scrutiny, and the records and staff controls that protect your store.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/merchant-education/sms-marketing-rules-text-customers-without-tcpa-trouble/https://www.mannypay.io/beyond-the-swipe/merchant-education/sms-marketing-rules-text-customers-without-tcpa-trouble/Fri, 23 Oct 2026 12:00:00 GMTLearn the SMS marketing rules for consent, opt-outs, quiet hours and 10DLC registration so your business can text customers without TCPA trouble.Merchant Education & Growth https://www.mannypay.io/beyond-the-swipe/industries/shopify-stores/shopify-pos-fees-in-person-card-rates-and-pos-pro-costs/https://www.mannypay.io/beyond-the-swipe/industries/shopify-stores/shopify-pos-fees-in-person-card-rates-and-pos-pro-costs/Fri, 23 Oct 2026 12:00:00 GMTUnderstand Shopify POS transaction fees, how in-person card rates compare to online, and when POS Pro's per-location cost pays off for your store.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/merchant-education/shopify-payments-vs-a-third-party-gateway-the-real-cost-math/https://www.mannypay.io/beyond-the-swipe/merchant-education/shopify-payments-vs-a-third-party-gateway-the-real-cost-math/Fri, 23 Oct 2026 12:00:00 GMTCompare Shopify Payments vs a third party gateway with simple break-even math, and learn the monthly volume where an outside merchant account saves money.Merchant Education & Growth https://www.mannypay.io/beyond-the-swipe/high-risk-processing/shopify-payments-suspended-why-it-happens-and-your-next-steps/https://www.mannypay.io/beyond-the-swipe/high-risk-processing/shopify-payments-suspended-why-it-happens-and-your-next-steps/Fri, 23 Oct 2026 12:00:00 GMTShopify Payments account suspended? Learn why stores get shut down, how to answer a review, what happens to held payouts, and how to keep selling.High-Risk Merchant Processing https://www.mannypay.io/beyond-the-swipe/industries/shopify-stores/shopify-currency-conversion-fees-selling-in-multiple-currencies/https://www.mannypay.io/beyond-the-swipe/industries/shopify-stores/shopify-currency-conversion-fees-selling-in-multiple-currencies/Fri, 23 Oct 2026 12:00:00 GMTLearn when the Shopify currency conversion fee applies, how it stacks with international card fees, and how to price local currency without losing margin.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/ecommerce/selling-to-international-customers-cross-border-card-fees/https://www.mannypay.io/beyond-the-swipe/industries/ecommerce/selling-to-international-customers-cross-border-card-fees/Fri, 23 Oct 2026 12:00:00 GMTLearn the cross-border fees ecommerce stores pay on foreign cards, from network assessments to FX markups, and when multi-currency pricing pays off.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/filipino-american-businesses/selling-philippine-load-and-eload-at-your-store-setup-and-fees/https://www.mannypay.io/beyond-the-swipe/industries/filipino-american-businesses/selling-philippine-load-and-eload-at-your-store-setup-and-fees/Fri, 23 Oct 2026 12:00:00 GMTThinking about how to sell Philippine load in the U.S.? Compare top-up terminals and POS setups, commission math, card fees and fraud risks.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/merchant-education/selling-on-amazon-vs-your-own-website-the-real-fee-math/https://www.mannypay.io/beyond-the-swipe/merchant-education/selling-on-amazon-vs-your-own-website-the-real-fee-math/Fri, 23 Oct 2026 12:00:00 GMTSelling on Amazon vs. your own website? Compare referral, fulfillment, ad, and processing costs per order, plus cash flow and customer data trade-offs.Merchant Education & Growth https://www.mannypay.io/beyond-the-swipe/industries/jewelry/selling-gold-bullion-and-coins-on-credit-cards-rules-and-margins/https://www.mannypay.io/beyond-the-swipe/industries/jewelry/selling-gold-bullion-and-coins-on-credit-cards-rules-and-margins/Fri, 23 Oct 2026 12:00:00 GMTAccepting credit cards for gold bullion can erase thin premiums. Learn pricing tiers, spot-price locks, fraud controls, and how to get processor approval.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/cannabis/selling-delta-8-and-thca-online-payment-processing-options/https://www.mannypay.io/beyond-the-swipe/industries/cannabis/selling-delta-8-and-thca-online-payment-processing-options/Fri, 23 Oct 2026 12:00:00 GMTDelta 8 payment processing explained: why THCA and delta-8 face stricter underwriting than CBD, and how online stores keep their processor.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/firearms/selling-ammo-online-age-checks-and-state-shipping-limits/https://www.mannypay.io/beyond-the-swipe/industries/firearms/selling-ammo-online-age-checks-and-state-shipping-limits/Fri, 23 Oct 2026 12:00:00 GMTSelling ammo online: age verification, state shipping limits and the checkout controls processors expect, so you're prepared for underwriting review.Industry Payment Guides 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https://www.mannypay.io/beyond-the-swipe/industries/contractors/retainage-in-construction-how-contractors-get-the-last-10-paid/https://www.mannypay.io/beyond-the-swipe/industries/contractors/retainage-in-construction-how-contractors-get-the-last-10-paid/Fri, 23 Oct 2026 12:00:00 GMTLearn how retainage in construction works, what state rules may limit it, and a step-by-step plan to bill, document and collect it before it goes bad.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/merchant-education/retail-store-opening-and-closing-checklist-free-template/https://www.mannypay.io/beyond-the-swipe/merchant-education/retail-store-opening-and-closing-checklist-free-template/Fri, 23 Oct 2026 12:00:00 GMTUse this retail store opening and closing checklist to standardize cash counts, POS batching, security and floor prep, with clear manager sign-off steps.Merchant Education & Growth 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Learn what contracts and auto-renewal laws require, how to grandfather members, and how to avoid chargebacks.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/restaurants/qr-code-ordering-and-payment-a-setup-guide-for-restaurants/https://www.mannypay.io/beyond-the-swipe/industries/restaurants/qr-code-ordering-and-payment-a-setup-guide-for-restaurants/Fri, 23 Oct 2026 12:00:00 GMTPlanning QR code ordering for your restaurant? Learn how scan-to-order and scan-to-pay affect tips, check size, staffing and card processing costs.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/plumbing/plumbing-contractor-deposit-laws-how-much-can-you-collect-upfront/https://www.mannypay.io/beyond-the-swipe/industries/plumbing/plumbing-contractor-deposit-laws-how-much-can-you-collect-upfront/Fri, 23 Oct 2026 12:00:00 GMTLearn how plumbing contractor deposit laws limit upfront payments, and how to structure legal progress payments for repipes and remodels.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/medical/plastic-surgery-deposits-refund-policies-that-beat-chargebacks/https://www.mannypay.io/beyond-the-swipe/industries/medical/plastic-surgery-deposits-refund-policies-that-beat-chargebacks/Fri, 23 Oct 2026 12:00:00 GMTBuild a plastic surgery deposit policy that holds up better when patients cancel or dispute, with refund terms, consent records and limit planning.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/grocery/pin-debit-routing-for-grocers-cut-fees-on-every-debit-swipe/https://www.mannypay.io/beyond-the-swipe/industries/grocery/pin-debit-routing-for-grocers-cut-fees-on-every-debit-swipe/Fri, 23 Oct 2026 12:00:00 GMTCompare PIN debit vs. signature debit fees and see how least-cost routing and regulated debit rates can lower your grocery store's processing bill.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/telehealth/per-visit-membership-or-bundled-meds-pricing-telehealth-care/https://www.mannypay.io/beyond-the-swipe/industries/telehealth/per-visit-membership-or-bundled-meds-pricing-telehealth-care/Fri, 23 Oct 2026 12:00:00 GMTCompare per-visit, membership, and bundled-medication options to pick a telehealth pricing model that protects cash flow and limits chargeback risk.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/merchant-education/payment-processing-for-event-ticketing-avoiding-payout-delays/https://www.mannypay.io/beyond-the-swipe/merchant-education/payment-processing-for-event-ticketing-avoiding-payout-delays/Fri, 23 Oct 2026 12:00:00 GMTLearn why event ticketing payment processing often delays payouts until show day, and how to negotiate releases that fund deposits, talent and venue costs.Merchant Education & Growth https://www.mannypay.io/beyond-the-swipe/payment-processing/payment-gateway-vs-payment-processor-who-does-what/https://www.mannypay.io/beyond-the-swipe/payment-processing/payment-gateway-vs-payment-processor-who-does-what/Fri, 23 Oct 2026 12:00:00 GMTPayment gateway vs payment processor explained: what each one does, how they work together, and when bundling or separating them can save you money.Payment Processing Fundamentals https://www.mannypay.io/beyond-the-swipe/industries/adult/paying-adult-performers-and-creators-payout-methods-compared/https://www.mannypay.io/beyond-the-swipe/industries/adult/paying-adult-performers-and-creators-payout-methods-compared/Fri, 23 Oct 2026 12:00:00 GMTCompare adult creator payouts by ACH, wire, Paxum, crypto and prepaid cards, plus the KYC, age records and 1099 steps platforms must run first.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/mannypay-solutions/pay-at-the-table-handhelds-faster-turns-and-safer-card-handling/https://www.mannypay.io/beyond-the-swipe/mannypay-solutions/pay-at-the-table-handhelds-faster-turns-and-safer-card-handling/Fri, 23 Oct 2026 12:00:00 GMTSee how pay at the table handhelds change restaurant checkout, tipping and card security, plus what to check on Wi-Fi, battery, and training before rollout.MannyPay Products & Solutions https://www.mannypay.io/beyond-the-swipe/industries/gyms-martial-arts/paid-in-full-black-belt-programs-why-processors-hold-your-funds/https://www.mannypay.io/beyond-the-swipe/industries/gyms-martial-arts/paid-in-full-black-belt-programs-why-processors-hold-your-funds/Fri, 23 Oct 2026 12:00:00 GMTSelling a black belt program paid in full? Learn why processors hold funds or add reserves, and how to structure prepaid tiers so you still get paid.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/tobacco/other-tobacco-products-tax-per-ounce-vs-wholesale-rates-in-your-pos/https://www.mannypay.io/beyond-the-swipe/industries/tobacco/other-tobacco-products-tax-per-ounce-vs-wholesale-rates-in-your-pos/Fri, 23 Oct 2026 12:00:00 GMTLearn how other tobacco products tax by state works for cigars, pipe tobacco and snuff, and how to set up POS items so receipts and filings match.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/medical/orthodontic-payment-plans-down-payments-and-autopay-done-right/https://www.mannypay.io/beyond-the-swipe/industries/medical/orthodontic-payment-plans-down-payments-and-autopay-done-right/Fri, 23 Oct 2026 12:00:00 GMTBuild an orthodontic payment plan that holds up for 18-24 months: down payments, card or ACH autopay, insurance installments and transfer terms.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/filipino-entrepreneurs/online-ordering-for-restaurants-without-high-delivery-app-fees/https://www.mannypay.io/beyond-the-swipe/filipino-entrepreneurs/online-ordering-for-restaurants-without-high-delivery-app-fees/Fri, 23 Oct 2026 12:00:00 GMTLearn how Filipino restaurants can set up restaurant online ordering without delivery apps, move regulars to direct orders and keep more of each sale.Filipino Businesses & Entrepreneurs https://www.mannypay.io/beyond-the-swipe/industries/vape/online-age-verification-for-vape-stores-that-passes-review/https://www.mannypay.io/beyond-the-swipe/industries/vape/online-age-verification-for-vape-stores-that-passes-review/Fri, 23 Oct 2026 12:00:00 GMTLearn why a popup age gate falls short and how vape age verification online works, from database checks to ID scans, without losing sales.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/merchant-education/one-page-vs-multi-step-checkout-how-to-pick-for-your-store/https://www.mannypay.io/beyond-the-swipe/merchant-education/one-page-vs-multi-step-checkout-how-to-pick-for-your-store/Fri, 23 Oct 2026 12:00:00 GMTOne-page checkout vs. multi-step checkout: learn which layout fits your order complexity, shipping options and mobile traffic, and how to test the switch.Merchant Education & Growth https://www.mannypay.io/beyond-the-swipe/industries/peptides/on-the-match-list-after-selling-peptides-your-next-steps/https://www.mannypay.io/beyond-the-swipe/industries/peptides/on-the-match-list-after-selling-peptides-your-next-steps/Fri, 23 Oct 2026 12:00:00 GMTFacing a MATCH list peptides termination? Learn how to confirm your reason code, when disputes work, and how to rebuild processing the legal way.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/digital-products/no-refunds-on-digital-products-is-it-legal-and-does-it-work/https://www.mannypay.io/beyond-the-swipe/industries/digital-products/no-refunds-on-digital-products-is-it-legal-and-does-it-work/Fri, 23 Oct 2026 12:00:00 GMTBuild a digital product refund policy that holds up with card networks, state law and EU withdrawal rules, and that reduces chargebacks.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/furniture/no-interest-if-paid-in-full-financing-ad-rules-for-furniture/https://www.mannypay.io/beyond-the-swipe/industries/furniture/no-interest-if-paid-in-full-financing-ad-rules-for-furniture/Fri, 23 Oct 2026 12:00:00 GMTLearn the furniture financing advertising rules behind 0% APR and deferred-interest ads so your holiday sale promos avoid disputes and regulatory trouble.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/moving/moving-broker-payments-deposits-carrier-payouts-and-fmcsa-rules/https://www.mannypay.io/beyond-the-swipe/industries/moving/moving-broker-payments-deposits-carrier-payouts-and-fmcsa-rules/Fri, 23 Oct 2026 12:00:00 GMTLearn moving broker deposit rules, when refunds are due, how carrier balances should flow, and how to set up payments that hold up to processor review.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/professional-services/monthly-bookkeeping-retainers-setting-up-client-autopay-that-sticks/https://www.mannypay.io/beyond-the-swipe/industries/professional-services/monthly-bookkeeping-retainers-setting-up-client-autopay-that-sticks/Fri, 23 Oct 2026 12:00:00 GMTSet up bookkeeping client autopay that sticks: choose ACH or card, write clear authorization terms, bill cleanup work and handle failed payments.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/salons-spas/mobile-massage-payments-getting-paid-at-a-client-s-home/https://www.mannypay.io/beyond-the-swipe/industries/salons-spas/mobile-massage-payments-getting-paid-at-a-client-s-home/Fri, 23 Oct 2026 12:00:00 GMTMobile massage payment made simple: when to prepay, how to charge travel fees, collect tips calmly and stop carrying cash on house calls.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/digital-products/micropayment-fees-selling-0-99-downloads-without-losing-money/https://www.mannypay.io/beyond-the-swipe/industries/digital-products/micropayment-fees-selling-0-99-downloads-without-losing-money/Fri, 23 Oct 2026 12:00:00 GMTMicropayment processing fees can eat a third of a $0.99 sale. Compare pricing plans, aggregation, prepaid wallets and bundles to protect your margin.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/gyms-martial-arts/mcc-7997-vs-8299-which-code-should-your-gym-or-dojo-use/https://www.mannypay.io/beyond-the-swipe/industries/gyms-martial-arts/mcc-7997-vs-8299-which-code-should-your-gym-or-dojo-use/Fri, 23 Oct 2026 12:00:00 GMTLearn which MCC code for gym, dojo or boxing club accounts fits your business, how it affects fees, risk and HSA cards, and how to fix a wrong one.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/marketplaces/marketplace-take-rates-pricing-commission-to-cover-card-fees/https://www.mannypay.io/beyond-the-swipe/industries/marketplaces/marketplace-take-rates-pricing-commission-to-cover-card-fees/Fri, 23 Oct 2026 12:00:00 GMTSet a marketplace take rate that covers card processing, payouts, and disputes. Get the margin math, fee structures, and buyer fee disclosure tips.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/marketplaces/marketplace-seller-fraud-fake-shops-triangulation-and-collusion/https://www.mannypay.io/beyond-the-swipe/industries/marketplaces/marketplace-seller-fraud-fake-shops-triangulation-and-collusion/Fri, 23 Oct 2026 12:00:00 GMTLearn how marketplace seller fraud works, from fake shops to triangulation and collusion, plus payout controls that stop losses early.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/nutraceuticals/male-enhancement-supplements-getting-and-keeping-a-merchant-account/https://www.mannypay.io/beyond-the-swipe/industries/nutraceuticals/male-enhancement-supplements-getting-and-keeping-a-merchant-account/Fri, 23 Oct 2026 12:00:00 GMTLearn what underwriters demand for a male enhancement merchant account, from lab testing and discreet billing to reserves, refunds and dispute alerts.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/home-healthcare/live-in-and-24-hour-care-deposits-collecting-upfront-safely/https://www.mannypay.io/beyond-the-swipe/industries/home-healthcare/live-in-and-24-hour-care-deposits-collecting-upfront-safely/Fri, 23 Oct 2026 12:00:00 GMTLearn how to size, collect and refund a home care deposit for live-in and 24/7 clients, with refund terms that hold up through hospitalization or death.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/liquor-stores/liquor-store-chargebacks-fighting-my-teen-used-my-card-disputes/https://www.mannypay.io/beyond-the-swipe/industries/liquor-stores/liquor-store-chargebacks-fighting-my-teen-used-my-card-disputes/Fri, 23 Oct 2026 12:00:00 GMTFight a liquor store chargeback by combining chip data, ID scan logs, receipts and video into evidence that answers "my teen used my card" disputes.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/professional-services/law-firm-chargebacks-when-clients-dispute-fees-after-a-lost-case/https://www.mannypay.io/beyond-the-swipe/industries/professional-services/law-firm-chargebacks-when-clients-dispute-fees-after-a-lost-case/Fri, 23 Oct 2026 12:00:00 GMTA law firm credit card chargeback can hit your trust account. Learn how to route disputes, build winning evidence, and protect client confidentiality.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/kratom/kratom-autoship-recurring-billing-without-getting-shut-down/https://www.mannypay.io/beyond-the-swipe/industries/kratom/kratom-autoship-recurring-billing-without-getting-shut-down/Fri, 23 Oct 2026 12:00:00 GMTRun a kratom subscription or autoship program that processors accept: consent language, pause options, banned-state handling and smart retry rules.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/kratom/kava-and-kratom-bar-pos-tabs-shells-and-card-readers/https://www.mannypay.io/beyond-the-swipe/industries/kratom/kava-and-kratom-bar-pos-tabs-shells-and-card-readers/Fri, 23 Oct 2026 12:00:00 GMTChoosing a kratom bar POS system? See which features handle open tabs, shell rounds, age checks, and retail shelves, and how to vet a processor.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/plumbing/is-plumbing-labor-taxable-sales-tax-on-repairs-and-parts-by-state/https://www.mannypay.io/beyond-the-swipe/industries/plumbing/is-plumbing-labor-taxable-sales-tax-on-repairs-and-parts-by-state/Fri, 23 Oct 2026 12:00:00 GMTIs plumbing labor taxable? Learn how states treat repairs, parts and capital improvements, and how to set up invoices so techs charge the right tax.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/mannypay-solutions/how-to-store-a-customer-s-card-on-file-safely-and-legally/https://www.mannypay.io/beyond-the-swipe/mannypay-solutions/how-to-store-a-customer-s-card-on-file-safely-and-legally/Fri, 23 Oct 2026 12:00:00 GMTLearn how to store a credit card on file safely with tokenization, the right authorization form and consent steps that hold up in disputes.MannyPay Products & Solutions https://www.mannypay.io/beyond-the-swipe/industries/tobacco/how-to-redeem-cigarette-coupons-and-multipack-buydowns-at-the-pos/https://www.mannypay.io/beyond-the-swipe/industries/tobacco/how-to-redeem-cigarette-coupons-and-multipack-buydowns-at-the-pos/Fri, 23 Oct 2026 12:00:00 GMTLearn how to redeem cigarette coupons and multipack buydowns at the POS so discounts ring correctly, respect minimum price laws and get reimbursed.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/merchant-education/how-to-record-credit-card-processing-fees-in-your-books/https://www.mannypay.io/beyond-the-swipe/merchant-education/how-to-record-credit-card-processing-fees-in-your-books/Fri, 23 Oct 2026 12:00:00 GMTLearn how to record credit card processing fees with gross-sales journal entries for daily and monthly fee setups, and see your true revenue.Merchant Education & Growth https://www.mannypay.io/beyond-the-swipe/payment-processing/how-to-receive-international-payments-without-losing-5-to-fees/https://www.mannypay.io/beyond-the-swipe/payment-processing/how-to-receive-international-payments-without-losing-5-to-fees/Fri, 23 Oct 2026 12:00:00 GMTLearn how to receive international payments while cutting wire, intermediary, FX and cross-border card fees, with cost comparisons by invoice size.Payment Processing Fundamentals 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https://www.mannypay.io/beyond-the-swipe/merchant-education/how-to-balance-a-cash-drawer-step-by-step-end-of-shift-count/https://www.mannypay.io/beyond-the-swipe/merchant-education/how-to-balance-a-cash-drawer-step-by-step-end-of-shift-count/Fri, 23 Oct 2026 12:00:00 GMTLearn how to balance a cash drawer with a repeatable end-of-shift count, read your POS cash report, and set an over/short threshold your team can follow.Merchant Education & Growth https://www.mannypay.io/beyond-the-swipe/industries/boxing-fitness/how-promoters-pay-fighter-purses-methods-bonds-and-1099s/https://www.mannypay.io/beyond-the-swipe/industries/boxing-fitness/how-promoters-pay-fighter-purses-methods-bonds-and-1099s/Fri, 23 Oct 2026 12:00:00 GMTLearn how to pay fighters purse money on fight night: commission bonds, payout methods, processor holds, W-9s and 1099-NEC rules for promoters.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/rates-and-fees/high-risk-merchant-account-fees-what-s-normal-vs-gouging/https://www.mannypay.io/beyond-the-swipe/rates-and-fees/high-risk-merchant-account-fees-what-s-normal-vs-gouging/Fri, 23 Oct 2026 12:00:00 GMTLearn which high-risk merchant account fees are normal, how rolling reserves work, and the red flags that signal overpricing before you sign a contract.Rates, Fees & Savings https://www.mannypay.io/beyond-the-swipe/industries/cbd/hemp-thc-excise-taxes-by-state-setting-up-your-register-right/https://www.mannypay.io/beyond-the-swipe/industries/cbd/hemp-thc-excise-taxes-by-state-setting-up-your-register-right/Fri, 23 Oct 2026 12:00:00 GMTLearn 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.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/hotels/group-room-block-deposits-collecting-payment-for-weddings-and-events/https://www.mannypay.io/beyond-the-swipe/industries/hotels/group-room-block-deposits-collecting-payment-for-weddings-and-events/Fri, 23 Oct 2026 12:00:00 GMTLearn how to structure a hotel room block deposit, master bill, and guest payments for weddings and events so attrition is less likely to cost you.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/grocery/grocery-gift-card-fraud-stopping-card-draining-and-tender-scams/https://www.mannypay.io/beyond-the-swipe/industries/grocery/grocery-gift-card-fraud-stopping-card-draining-and-tender-scams/Fri, 23 Oct 2026 12:00:00 GMTLearn how grocery store gift card fraud works, from card draining to stolen-card purchases, and the POS controls cashiers can follow to cut losses.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/web-design/getting-paid-by-international-web-design-clients-fees-compared/https://www.mannypay.io/beyond-the-swipe/industries/web-design/getting-paid-by-international-web-design-clients-fees-compared/Fri, 23 Oct 2026 12:00:00 GMTCompare card, wire, Wise and PayPal costs when you accept payments from international clients, including FX spreads, cross-border fees and dispute risk.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/hotels/ftc-junk-fee-rule-for-hotels-displaying-resort-fees-legally/https://www.mannypay.io/beyond-the-swipe/industries/hotels/ftc-junk-fee-rule-for-hotels-displaying-resort-fees-legally/Fri, 23 Oct 2026 12:00:00 GMTLearn what the FTC junk fee rule means for hotels: how to review resort fees in your advertised price, fix your booking engine, and avoid surcharge pitfalls.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/merchant-education/form-1099-k-for-merchants-reconcile-it-before-tax-time/https://www.mannypay.io/beyond-the-swipe/merchant-education/form-1099-k-for-merchants-reconcile-it-before-tax-time/Fri, 23 Oct 2026 12:00:00 GMTA 1099-K for small business shows gross card volume, not profit. Learn why it's higher than your revenue and how to reconcile it before you file.Merchant Education & Growth https://www.mannypay.io/beyond-the-swipe/industries/restaurants/food-truck-payment-processing-mobile-setup-that-works-anywhere/https://www.mannypay.io/beyond-the-swipe/industries/restaurants/food-truck-payment-processing-mobile-setup-that-works-anywhere/Fri, 23 Oct 2026 12:00:00 GMTFood truck payment processing guide: pick a card reader and POS, stay online at events, speed up lines, and handle sales tax at every stop.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industry-news/fed-debit-fee-cap-regulation-ii-proposal-and-court-ruling-explained/https://www.mannypay.io/beyond-the-swipe/industry-news/fed-debit-fee-cap-regulation-ii-proposal-and-court-ruling-explained/Fri, 23 Oct 2026 12:00:00 GMTLearn where the Regulation II debit interchange cap stands after the Fed's proposal and the Corner Post ruling, and what each outcome means per $100.Payments News https://www.mannypay.io/beyond-the-swipe/industries/car-dealerships/fake-cashier-s-checks-and-wire-scams-targeting-car-dealers/https://www.mannypay.io/beyond-the-swipe/industries/car-dealerships/fake-cashier-s-checks-and-wire-scams-targeting-car-dealers/Fri, 23 Oct 2026 12:00:00 GMTLearn how to spot a fake cashier's check at your car dealership, verify wires and card deposits, and set a delivery hold policy that protects inventory.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/payment-processing/failed-subscription-payments-smart-retries-and-dunning-that-work/https://www.mannypay.io/beyond-the-swipe/payment-processing/failed-subscription-payments-smart-retries-and-dunning-that-work/Fri, 23 Oct 2026 12:00:00 GMTFailed payment recovery for subscriptions: a retry schedule, dunning sequence and decline-code logic that win back renewals and limit network fee risk.Payment Processing Fundamentals https://www.mannypay.io/beyond-the-swipe/high-risk-processing/excessive-chargeback-programs-what-happens-if-you-re-enrolled/https://www.mannypay.io/beyond-the-swipe/high-risk-processing/excessive-chargeback-programs-what-happens-if-you-re-enrolled/Fri, 23 Oct 2026 12:00:00 GMTEnrolled in an excessive chargeback program? Learn what Visa and Mastercard enrollment triggers, from fines to remediation plans, and how to exit in time.High-Risk Merchant Processing https://www.mannypay.io/beyond-the-swipe/industries/veterinary/equine-vet-billing-barn-accounts-trainers-and-multiple-owners/https://www.mannypay.io/beyond-the-swipe/industries/veterinary/equine-vet-billing-barn-accounts-trainers-and-multiple-owners/Fri, 23 Oct 2026 12:00:00 GMTEquine veterinary billing guide: who to bill when trainers authorize care, how to split barn calls, and how to collect before show horses ship.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/merchant-education/economic-nexus-when-online-sellers-must-collect-sales-tax/https://www.mannypay.io/beyond-the-swipe/merchant-education/economic-nexus-when-online-sellers-must-collect-sales-tax/Fri, 23 Oct 2026 12:00:00 GMTLearn how economic nexus sales tax rules work, how to track state thresholds, and what marketplace facilitator laws mean for your online store.Merchant Education & Growth https://www.mannypay.io/beyond-the-swipe/industries/dropshipping/dsers-vs-autods-vs-cj-how-supplier-order-payments-work/https://www.mannypay.io/beyond-the-swipe/industries/dropshipping/dsers-vs-autods-vs-cj-how-supplier-order-payments-work/Fri, 23 Oct 2026 12:00:00 GMTDSers vs. AutoDS vs. CJ compared: how each app pays suppliers, where wallet, card and FX costs hide, and how auto-pay timing affects your cash flow.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/dropshipping/do-you-need-an-llc-for-dropshipping-the-payment-setup-answer/https://www.mannypay.io/beyond-the-swipe/industries/dropshipping/do-you-need-an-llc-for-dropshipping-the-payment-setup-answer/Fri, 23 Oct 2026 12:00:00 GMTDo I need an LLC for dropshipping? See how processors weigh business structure, EIN, bank accounts and personal guarantees before approving your store.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/ecommerce/do-you-get-processing-fees-back-on-online-refunds/https://www.mannypay.io/beyond-the-swipe/industries/ecommerce/do-you-get-processing-fees-back-on-online-refunds/Fri, 23 Oct 2026 12:00:00 GMTDo you get processing fees back on refunds? Learn what happens to interchange and gateway fees, and how online stores can cut the cost of returns.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/adult/discreet-billing-descriptors-for-adult-stores-without-chargebacks/https://www.mannypay.io/beyond-the-swipe/industries/adult/discreet-billing-descriptors-for-adult-stores-without-chargebacks/Fri, 23 Oct 2026 12:00:00 GMTLearn how to set a discreet billing descriptor for adult stores that protects customer privacy, meets card network rules and cuts unrecognized chargebacks.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/payment-processing/digital-wallets-for-business-which-ones-to-accept-and-why/https://www.mannypay.io/beyond-the-swipe/payment-processing/digital-wallets-for-business-which-ones-to-accept-and-why/Fri, 23 Oct 2026 12:00:00 GMTCompare digital wallets for business by reach, cost, dispute rules and checkout impact so you accept the wallets your customers actually use.Payment Processing Fundamentals https://www.mannypay.io/beyond-the-swipe/payment-processing/cross-border-fee-vs-foreign-transaction-fee-who-pays-what/https://www.mannypay.io/beyond-the-swipe/payment-processing/cross-border-fee-vs-foreign-transaction-fee-who-pays-what/Fri, 23 Oct 2026 12:00:00 GMTCross-border fee vs. foreign transaction fee: learn who pays each, how network assessments hit your statement, and how to spot processor markups.Payment Processing Fundamentals https://www.mannypay.io/beyond-the-swipe/merchant-education/credit-card-surcharge-rules-what-s-legal-and-how-to-comply/https://www.mannypay.io/beyond-the-swipe/merchant-education/credit-card-surcharge-rules-what-s-legal-and-how-to-comply/Fri, 23 Oct 2026 12:00:00 GMTLearn the credit card surcharge rules that matter: network caps, debit limits, state laws and disclosure steps so you can plan a compliant fee program.Merchant Education & Growth https://www.mannypay.io/beyond-the-swipe/industries/moving/corporate-relocation-billing-getting-paid-by-rmcs-and-employers/https://www.mannypay.io/beyond-the-swipe/industries/moving/corporate-relocation-billing-getting-paid-by-rmcs-and-employers/Fri, 23 Oct 2026 12:00:00 GMTCorporate relocation billing guide for movers: handle RMC net terms, invoice audits and short pays, and reduce card costs with Level 2/3 data.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/telehealth/connecting-payments-to-your-telehealth-platform-or-ehr/https://www.mannypay.io/beyond-the-swipe/industries/telehealth/connecting-payments-to-your-telehealth-platform-or-ehr/Fri, 23 Oct 2026 12:00:00 GMTWeigh telehealth platform payment integration options: built-in payments vs. your own processor, card vault ownership and visit reconciliation.Industry Payment Guides 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https://www.mannypay.io/beyond-the-swipe/locations/illinois/chicago/chicago-amusement-tax-tickets-streaming-and-what-to-charge/https://www.mannypay.io/beyond-the-swipe/locations/illinois/chicago/chicago-amusement-tax-tickets-streaming-and-what-to-charge/Fri, 23 Oct 2026 12:00:00 GMTLearn how the Chicago amusement tax applies to event tickets, resales and streaming subscriptions, and how to set up checkout to collect the right amount.Local Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/hotels/charging-guests-for-damage-and-smoking-after-checkout/https://www.mannypay.io/beyond-the-swipe/industries/hotels/charging-guests-for-damage-and-smoking-after-checkout/Fri, 23 Oct 2026 12:00:00 GMTLearn the card network rules and documentation behind a hotel damage charge after checkout, so damage and smoking fees hold up if a guest disputes them.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/merchant-education/chargeback-ratio-limits-the-numbers-that-put-your-account-at-risk/https://www.mannypay.io/beyond-the-swipe/merchant-education/chargeback-ratio-limits-the-numbers-that-put-your-account-at-risk/Fri, 23 Oct 2026 12:00:00 GMTLearn what an acceptable chargeback ratio looks like, how to calculate yours monthly, and the early warning signs to act on before reserves or repricing.Merchant Education & Growth https://www.mannypay.io/beyond-the-swipe/industries/low-risk-ecommerce/chargeback-alerts-using-rdr-and-ethoca-to-stop-disputes-early/https://www.mannypay.io/beyond-the-swipe/industries/low-risk-ecommerce/chargeback-alerts-using-rdr-and-ethoca-to-stop-disputes-early/Fri, 23 Oct 2026 12:00:00 GMTLearn how chargeback alerts stop disputes before they're filed, what pre-dispute alerts cost, and when the math favors using them for your online store.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/peptides/certificates-of-analysis-the-peptide-docs-processors-expect/https://www.mannypay.io/beyond-the-swipe/industries/peptides/certificates-of-analysis-the-peptide-docs-processors-expect/Fri, 23 Oct 2026 12:00:00 GMTLearn what a credible peptide certificate of analysis must include and how COAs help you pass processor underwriting and win chargeback disputes.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/contractors/card-vs-ach-vs-check-for-50-000-remodel-payments/https://www.mannypay.io/beyond-the-swipe/industries/contractors/card-vs-ach-vs-check-for-50-000-remodel-payments/Fri, 23 Oct 2026 12:00:00 GMTFind the best way for contractors to get paid on a $50,000 remodel draw: compare card, ACH and check costs, speed, fraud risk and dispute rights.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/cannabis/cannabis-delivery-payments-cash-limits-and-driver-safety/https://www.mannypay.io/beyond-the-swipe/industries/cannabis/cannabis-delivery-payments-cash-limits-and-driver-safety/Fri, 23 Oct 2026 12:00:00 GMTHow licensed services handle cannabis delivery payment within vehicle cash limits, verify ID at the door, and protect drivers with prepaid ACH.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/contractors/can-roofers-waive-the-deductible-state-laws-and-penalties/https://www.mannypay.io/beyond-the-swipe/industries/contractors/can-roofers-waive-the-deductible-state-laws-and-penalties/Fri, 23 Oct 2026 12:00:00 GMTCan a roofer pay my deductible? Learn why waiving or rebating it can be insurance fraud, how states regulate it, and how to collect it cleanly.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/boxing-fitness/can-members-use-hsa-or-fsa-for-gym-memberships-a-gym-owner-s-guide/https://www.mannypay.io/beyond-the-swipe/industries/boxing-fitness/can-members-use-hsa-or-fsa-for-gym-memberships-a-gym-owner-s-guide/Fri, 23 Oct 2026 12:00:00 GMTCan you use HSA for gym membership? Learn when dues qualify, how letters of medical necessity work, and how to stop HSA card declines at your desk.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/food-trucks/can-food-trucks-accept-ebt-snap-hot-food-rules-explained/https://www.mannypay.io/beyond-the-swipe/industries/food-trucks/can-food-trucks-accept-ebt-snap-hot-food-rules-explained/Fri, 23 Oct 2026 12:00:00 GMTCan food trucks accept EBT? Learn why SNAP rarely covers hot truck food, which narrow exceptions exist, and what to tell customers who ask to pay.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/furniture/can-customers-use-hsa-or-fsa-cards-for-adjustable-beds/https://www.mannypay.io/beyond-the-swipe/industries/furniture/can-customers-use-hsa-or-fsa-cards-for-adjustable-beds/Fri, 23 Oct 2026 12:00:00 GMTCan you use HSA for adjustable bed purchases? Learn when beds and lift chairs qualify, why HSA cards decline at furniture stores, and what paperwork helps.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/health-beauty/botox-memberships-billing-monthly-dues-with-banked-units/https://www.mannypay.io/beyond-the-swipe/industries/health-beauty/botox-memberships-billing-monthly-dues-with-banked-units/Fri, 23 Oct 2026 12:00:00 GMTSet up a botox membership program that bills monthly, banks units fairly and handles cancellations without chargebacks or gift card law trouble.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/comparisons/bnpl-vs-layaway-which-payment-plan-sells-more-for-your-store/https://www.mannypay.io/beyond-the-swipe/comparisons/bnpl-vs-layaway-which-payment-plan-sells-more-for-your-store/Fri, 23 Oct 2026 12:00:00 GMTBNPL vs. layaway compared for retailers: who carries credit risk, what each costs, when you get paid, and how each affects inventory and returns.Comparisons & Buying Guides https://www.mannypay.io/beyond-the-swipe/industries/jet-charter/billing-catering-de-icing-and-overnights-after-the-flight/https://www.mannypay.io/beyond-the-swipe/industries/jet-charter/billing-catering-de-icing-and-overnights-after-the-flight/Fri, 23 Oct 2026 12:00:00 GMTLearn how to authorize, disclose, and bill charter flight incidental charges like de-icing, catering, and crew overnights without sparking card disputes.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/peptides/billing-8-week-peptide-protocols-without-recurring-disputes/https://www.mannypay.io/beyond-the-swipe/industries/peptides/billing-8-week-peptide-protocols-without-recurring-disputes/Fri, 23 Oct 2026 12:00:00 GMTSet up peptide protocol subscription billing around 8-week cycles and washouts, with clear consent and cancellation flows that cut recurring disputes.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/vape/best-vape-shop-pos-nicotine-strengths-ml-tax-and-age-checks/https://www.mannypay.io/beyond-the-swipe/industries/vape/best-vape-shop-pos-nicotine-strengths-ml-tax-and-age-checks/Fri, 23 Oct 2026 12:00:00 GMTFind the best POS system for vape shop owners: compare flavor and nicotine variants, per-mL tax, ID scanning, and high-risk processor compatibility.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/cbd/best-pos-for-cbd-and-delta-8-shops-age-checks-potency-taxes/https://www.mannypay.io/beyond-the-swipe/industries/cbd/best-pos-for-cbd-and-delta-8-shops-age-checks-potency-taxes/Fri, 23 Oct 2026 12:00:00 GMTChoosing 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.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/medical/best-credit-card-terminals-for-medical-and-dental-front-desks/https://www.mannypay.io/beyond-the-swipe/industries/medical/best-credit-card-terminals-for-medical-and-dental-front-desks/Fri, 23 Oct 2026 12:00:00 GMTCompare the best credit card terminal for medical office checkout: PMS integration, HSA/FSA cards, chairside readers and easy-to-clean hardware.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/auto-repair/auto-repair-financing-offering-pay-over-time-on-big-repairs/https://www.mannypay.io/beyond-the-swipe/industries/auto-repair/auto-repair-financing-offering-pay-over-time-on-big-repairs/Fri, 23 Oct 2026 12:00:00 GMTCompare auto repair financing for shops, from retail credit cards to installment and lease-to-own programs, and help customers approve big repairs.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/subscriptions/annual-vs-monthly-subscription-billing-fees-risk-and-cash-flow/https://www.mannypay.io/beyond-the-swipe/industries/subscriptions/annual-vs-monthly-subscription-billing-fees-risk-and-cash-flow/Fri, 23 Oct 2026 12:00:00 GMTCompare annual vs monthly subscription billing on fees, reserves, refund exposure and renewal rules to pick a plan mix that protects cash flow.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/payment-processing/ach-vs-credit-card-which-should-you-push-customers-toward/https://www.mannypay.io/beyond-the-swipe/payment-processing/ach-vs-credit-card-which-should-you-push-customers-toward/Fri, 23 Oct 2026 12:00:00 GMTACH vs credit card: compare fees, speed to funds, disputes and failure rates by ticket size, plus how to steer customers to ACH without losing sales.Payment Processing Fundamentals https://www.mannypay.io/beyond-the-swipe/industries/subscriptions/ach-recurring-billing-for-memberships-nacha-authorization-rules/https://www.mannypay.io/beyond-the-swipe/industries/subscriptions/ach-recurring-billing-for-memberships-nacha-authorization-rules/Fri, 23 Oct 2026 12:00:00 GMTLearn what a valid ACH recurring payment authorization needs, which return codes to watch and when ACH beats card for collecting membership dues.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/merchant-education/ach-payments-for-small-business-lower-fees-slower-money/https://www.mannypay.io/beyond-the-swipe/merchant-education/ach-payments-for-small-business-lower-fees-slower-money/Fri, 23 Oct 2026 12:00:00 GMTWeigh ACH payments for small business: real fee savings, settlement timing, return risk and authorization rules, plus which invoices to move off cards.Merchant Education & Growth 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https://www.mannypay.io/beyond-the-swipe/industries/furniture/why-processors-put-reserves-on-furniture-stores-and-how-to-avoid-it/https://www.mannypay.io/beyond-the-swipe/industries/furniture/why-processors-put-reserves-on-furniture-stores-and-how-to-avoid-it/Thu, 22 Oct 2026 12:00:00 GMTLearn why underwriters require a furniture store merchant account reserve on future-delivery sales and what records help keep your deposits flowing.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/web-design/why-processors-flag-web-design-agencies-and-how-to-get-approved/https://www.mannypay.io/beyond-the-swipe/industries/web-design/why-processors-flag-web-design-agencies-and-how-to-get-approved/Thu, 22 Oct 2026 12:00:00 GMTNeed a web design merchant account? Learn why underwriters flag large upfront payments and what to submit to lower the odds of reserves, caps, and holds.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/medical/why-patients-hsa-cards-get-declined-at-your-front-desk/https://www.mannypay.io/beyond-the-swipe/industries/medical/why-patients-hsa-cards-get-declined-at-your-front-desk/Thu, 22 Oct 2026 12:00:00 GMTHSA card declined at the doctor's office? Learn the common causes, from MCC setup to low balances, and a split-payment process your front desk can use.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/rates-and-fees/why-did-my-credit-card-processing-fees-go-up/https://www.mannypay.io/beyond-the-swipe/rates-and-fees/why-did-my-credit-card-processing-fees-go-up/Thu, 22 Oct 2026 12:00:00 GMTCredit card processing fees increased? Learn whether card mix, network changes, or a processor markup caused the jump and how to respond.Rates, Fees & Savings https://www.mannypay.io/beyond-the-swipe/industries/adult/why-customers-cards-get-declined-on-adult-sites-and-how-to-fix-it/https://www.mannypay.io/beyond-the-swipe/industries/adult/why-customers-cards-get-declined-on-adult-sites-and-how-to-fix-it/Thu, 22 Oct 2026 12:00:00 GMTWhy adult website card declines happen, from issuer blocks to 3D Secure friction, and compliant fixes that can help lift approvals without inviting fraud.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/merchant-education/which-payment-methods-should-your-online-store-accept/https://www.mannypay.io/beyond-the-swipe/merchant-education/which-payment-methods-should-your-online-store-accept/Thu, 22 Oct 2026 12:00:00 GMTWhat payment methods should I accept online? Use this tiered, cost-aware framework to match cards, wallets, BNPL and ACH to your order size and customers.Merchant Education & Growth https://www.mannypay.io/beyond-the-swipe/glossary/what-is-pci-dss-compliance-a-plain-english-merchant-guide/https://www.mannypay.io/beyond-the-swipe/glossary/what-is-pci-dss-compliance-a-plain-english-merchant-guide/Thu, 22 Oct 2026 12:00:00 GMTWhat is PCI compliance? Learn your merchant level, which PCI SAQ fits your setup, and how to stop paying monthly non-compliance fees.Payments Glossary https://www.mannypay.io/beyond-the-swipe/payment-processing/what-is-a-payment-gateway-how-online-payments-get-approved/https://www.mannypay.io/beyond-the-swipe/payment-processing/what-is-a-payment-gateway-how-online-payments-get-approved/Thu, 22 Oct 2026 12:00:00 GMTLearn what a payment gateway does, how it moves an online card payment from checkout to approval, and which features and fees to compare before choosing.Payment Processing Fundamentals https://www.mannypay.io/beyond-the-swipe/glossary/what-is-a-payment-facilitator-payfac-pros-and-cons/https://www.mannypay.io/beyond-the-swipe/glossary/what-is-a-payment-facilitator-payfac-pros-and-cons/Thu, 22 Oct 2026 12:00:00 GMTWhat is a payment facilitator? Learn how PayFac sub-merchant accounts work, how they compare to a merchant account, and when it's time to switch.Payments Glossary https://www.mannypay.io/beyond-the-swipe/industry-news/visa-s-vamp-explained-new-fraud-and-dispute-thresholds/https://www.mannypay.io/beyond-the-swipe/industry-news/visa-s-vamp-explained-new-fraud-and-dispute-thresholds/Thu, 22 Oct 2026 12:00:00 GMTLearn how the Visa Acquirer Monitoring Program (VAMP) ratio works, which thresholds apply in 2026, and how to calculate and lower your own ratio.Payments News https://www.mannypay.io/beyond-the-swipe/chargebacks-fraud-security/visa-dispute-monitoring-programs-what-triggers-enrollment/https://www.mannypay.io/beyond-the-swipe/chargebacks-fraud-security/visa-dispute-monitoring-programs-what-triggers-enrollment/Thu, 22 Oct 2026 12:00:00 GMTLearn how the Visa chargeback monitoring program measures disputes and fraud, what happens if you're flagged, and how to build a remediation plan.Chargebacks, Fraud & Security https://www.mannypay.io/beyond-the-swipe/rates-and-fees/visa-and-mastercard-surcharge-rules-caps-signs-registration/https://www.mannypay.io/beyond-the-swipe/rates-and-fees/visa-and-mastercard-surcharge-rules-caps-signs-registration/Thu, 22 Oct 2026 12:00:00 GMTLearn the Visa surcharge rules and Mastercard requirements that apply in every state: notice, caps, signage and receipts, and what to confirm first.Rates, Fees & Savings https://www.mannypay.io/beyond-the-swipe/industries/travel/viator-vs-getyourguide-vs-direct-what-tour-operators-keep/https://www.mannypay.io/beyond-the-swipe/industries/travel/viator-vs-getyourguide-vs-direct-what-tour-operators-keep/Thu, 22 Oct 2026 12:00:00 GMTCompare Viator vs. GetYourGuide commission, payout timing, and cancellation terms with direct booking costs to decide where your tour inventory belongs.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/veterinary/veterinary-chargebacks-when-clients-dispute-after-a-bad-outcome/https://www.mannypay.io/beyond-the-swipe/industries/veterinary/veterinary-chargebacks-when-clients-dispute-after-a-bad-outcome/Thu, 22 Oct 2026 12:00:00 GMTFacing a veterinary chargeback after a pet died or surgery failed? Learn which signed estimates and records help win disputes and how to prevent them.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/digital-products/vat-on-digital-products-a-u-s-seller-s-guide-to-foreign-tax/https://www.mannypay.io/beyond-the-swipe/industries/digital-products/vat-on-digital-products-a-u-s-seller-s-guide-to-foreign-tax/Thu, 22 Oct 2026 12:00:00 GMTA US seller's guide to VAT on digital products: when EU, UK and GST rules may apply, what location evidence to keep, and when a merchant of record helps.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/vape/vape-taxes-by-state-per-ml-vs-wholesale-tax-at-the-register/https://www.mannypay.io/beyond-the-swipe/industries/vape/vape-taxes-by-state-per-ml-vs-wholesale-tax-at-the-register/Thu, 22 Oct 2026 12:00:00 GMTLearn 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.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/high-risk-processing/vape-shop-merchant-accounts-pact-act-age-checks-and-approval/https://www.mannypay.io/beyond-the-swipe/high-risk-processing/vape-shop-merchant-accounts-pact-act-age-checks-and-approval/Thu, 22 Oct 2026 12:00:00 GMTLearn how federal remote-sale duties, age verification, and state shipping laws affect a vape merchant account, plus what to expect on rates and reserves.High-Risk Merchant Processing https://www.mannypay.io/beyond-the-swipe/industries/auto-repair/tekmetric-vs-shopmonkey-vs-mitchell-1-payment-fees-compared/https://www.mannypay.io/beyond-the-swipe/industries/auto-repair/tekmetric-vs-shopmonkey-vs-mitchell-1-payment-fees-compared/Thu, 22 Oct 2026 12:00:00 GMTTekmetric vs Shopmonkey vs Mitchell 1: compare built-in payment options, text-to-pay and bring-your-own-processor terms so your shop avoids fee lock-in.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/nonprofits/tap-to-donate-kiosks-costs-placement-and-real-giving-results/https://www.mannypay.io/beyond-the-swipe/industries/nonprofits/tap-to-donate-kiosks-costs-placement-and-real-giving-results/Thu, 22 Oct 2026 12:00:00 GMTThinking about a donation kiosk? Learn what tap-to-donate hardware costs, how to set gift amounts, and where to place it so visitors actually give.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/merchant-education/taking-preorders-online-without-triggering-processor-holds/https://www.mannypay.io/beyond-the-swipe/merchant-education/taking-preorders-online-without-triggering-processor-holds/Thu, 22 Oct 2026 12:00:00 GMTAccepting payments for preorders? Compare charge-now, authorize-later, and deposit models, and learn how to avoid processor holds and chargebacks.Merchant Education & Growth https://www.mannypay.io/beyond-the-swipe/industries/nutraceuticals/supplement-subscribe-and-save-shipment-cadence-that-cuts-disputes/https://www.mannypay.io/beyond-the-swipe/industries/nutraceuticals/supplement-subscribe-and-save-shipment-cadence-that-cuts-disputes/Thu, 22 Oct 2026 12:00:00 GMTLearn how to set supplement subscribe and save shipment cadence by serving count, add reminders and skips, and cut refunds and chargebacks.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/subscriptions/stored-credentials-and-mit-flags-set-up-card-on-file-billing-right/https://www.mannypay.io/beyond-the-swipe/industries/subscriptions/stored-credentials-and-mit-flags-set-up-card-on-file-billing-right/Thu, 22 Oct 2026 12:00:00 GMTLearn how merchant initiated transactions, CIT vs. MIT flags and original transaction IDs work, and how to test your setup to reduce renewal declines.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/vape/state-vape-registry-laws-selling-only-listed-products/https://www.mannypay.io/beyond-the-swipe/industries/vape/state-vape-registry-laws-selling-only-listed-products/Thu, 22 Oct 2026 12:00:00 GMTLearn 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.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/firearms/state-gun-and-ammo-excise-taxes-setting-up-your-register/https://www.mannypay.io/beyond-the-swipe/industries/firearms/state-gun-and-ammo-excise-taxes-setting-up-your-register/Thu, 22 Oct 2026 12:00:00 GMTLearn 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.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/events-ticketing/stadium-and-arena-concessions-pos-that-handles-halftime-rushes/https://www.mannypay.io/beyond-the-swipe/industries/events-ticketing/stadium-and-arena-concessions-pos-that-handles-halftime-rushes/Thu, 22 Oct 2026 12:00:00 GMTChoose a stadium concession POS that survives halftime rushes: stand, roaming and kiosk hardware, in-seat ordering, network planning and partner payouts.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/health-beauty/spa-gift-certificates-expiration-laws-and-price-increase-rules/https://www.mannypay.io/beyond-the-swipe/industries/health-beauty/spa-gift-certificates-expiration-laws-and-price-increase-rules/Thu, 22 Oct 2026 12:00:00 GMTLearn how spa gift certificate expiration law works, what to do when service prices rise, and how vouchers and unclaimed balances are treated.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/moving/smartmoving-vs-supermove-vs-moveitpro-payment-features-compared/https://www.mannypay.io/beyond-the-swipe/industries/moving/smartmoving-vs-supermove-vs-moveitpro-payment-features-compared/Thu, 22 Oct 2026 12:00:00 GMTSee how SmartMoving, Supermove and MoveitPro handle moving company software payments: deposits, crew app charges, card on file and your own processor.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/mannypay-solutions/shopify-third-party-payment-gateways-when-to-use-one/https://www.mannypay.io/beyond-the-swipe/mannypay-solutions/shopify-third-party-payment-gateways-when-to-use-one/Thu, 22 Oct 2026 12:00:00 GMTWeighing a Shopify third-party payment gateway? Learn when an external provider makes sense, what fees and trade-offs to expect, and how to switch cleanly.MannyPay Products & Solutions https://www.mannypay.io/beyond-the-swipe/industries/shopify-stores/shopify-manual-payment-capture-authorize-now-charge-later/https://www.mannypay.io/beyond-the-swipe/industries/shopify-stores/shopify-manual-payment-capture-authorize-now-charge-later/Thu, 22 Oct 2026 12:00:00 GMTLearn when Shopify manual capture makes sense, how authorization windows work, and what to do if a payment authorization expires before you ship.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/shopify-stores/shopify-b2b-payment-terms-offering-net-30-to-wholesale-buyers/https://www.mannypay.io/beyond-the-swipe/industries/shopify-stores/shopify-b2b-payment-terms-offering-net-30-to-wholesale-buyers/Thu, 22 Oct 2026 12:00:00 GMTLearn how to set Shopify B2B payment terms for wholesale buyers: net 30, deposits, vaulted cards, ACH invoices and collecting overdue balances.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/payment-processing/sending-money-to-the-philippines-remittance-options-compared/https://www.mannypay.io/beyond-the-swipe/payment-processing/sending-money-to-the-philippines-remittance-options-compared/Thu, 22 Oct 2026 12:00:00 GMTLearn how to send money to the Philippines by bank deposit, GCash, cash pickup or delivery, and how to calculate the true cost of each transfer.Payment Processing Fundamentals https://www.mannypay.io/beyond-the-swipe/industries/b2b-wholesale/selling-to-government-buyers-accepting-gsa-smartpay-cards/https://www.mannypay.io/beyond-the-swipe/industries/b2b-wholesale/selling-to-government-buyers-accepting-gsa-smartpay-cards/Thu, 22 Oct 2026 12:00:00 GMTAccepting government purchase cards? Learn the tax-exempt, Level 3 data and spending limit rules that help you win agency orders without fee surprises.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/nutraceuticals/selling-sarms-peptides-or-kratom-why-processors-refuse-you/https://www.mannypay.io/beyond-the-swipe/industries/nutraceuticals/selling-sarms-peptides-or-kratom-why-processors-refuse-you/Thu, 22 Oct 2026 12:00:00 GMTWhy a SARMs payment processor search comes up empty: which supplement ingredients are network-prohibited, which are just high risk, and how to qualify.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/tobacco/selling-premium-cigars-online-payments-age-checks-and-state-laws/https://www.mannypay.io/beyond-the-swipe/industries/tobacco/selling-premium-cigars-online-payments-age-checks-and-state-laws/Thu, 22 Oct 2026 12:00:00 GMTSelling cigars online? Learn how payment processing, age verification, state shipping limits and tobacco taxes work, so your store stays approved.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/woocommerce-stores/selling-in-person-with-woocommerce-card-readers-and-pos-options/https://www.mannypay.io/beyond-the-swipe/industries/woocommerce-stores/selling-in-person-with-woocommerce-card-readers-and-pos-options/Thu, 22 Oct 2026 12:00:00 GMTCompare WooCommerce POS card reader options: the Woo mobile app, POS plugins, and Stripe Terminal. Learn how to keep inventory synced at markets and shops.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/gyms-martial-arts/selling-gym-day-passes-and-drop-ins-online-with-waivers/https://www.mannypay.io/beyond-the-swipe/industries/gyms-martial-arts/selling-gym-day-passes-and-drop-ins-online-with-waivers/Thu, 22 Oct 2026 12:00:00 GMTLearn how to sell gym day passes online with a signed waiver, fast check-in and fewer chargebacks from one-time visitors and open mat drop-ins.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/low-risk-ecommerce/selling-digital-gift-cards-on-your-online-store-setup-and-rules/https://www.mannypay.io/beyond-the-swipe/industries/low-risk-ecommerce/selling-digital-gift-cards-on-your-online-store-setup-and-rules/Thu, 22 Oct 2026 12:00:00 GMTLearn how to sell digital gift cards on your online store, stop eGift card fraud, and follow federal and state expiration and escheat rules.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/travel/seller-of-travel-laws-registration-trust-accounts-and-bonds/https://www.mannypay.io/beyond-the-swipe/industries/travel/seller-of-travel-laws-registration-trust-accounts-and-bonds/Thu, 22 Oct 2026 12:00:00 GMTLearn how seller of travel registration works, how trust account and bond rules control customer payments, and what processors check in underwriting.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industry-news/same-day-ach-volume-jumps-37-should-you-accept-it/https://www.mannypay.io/beyond-the-swipe/industry-news/same-day-ach-volume-jumps-37-should-you-accept-it/Thu, 22 Oct 2026 12:00:00 GMTSame Day ACH for businesses is surging. See what Nacha's Q3 2026 data means for your invoice fees, payment speed, return risk and setup.Payments News https://www.mannypay.io/beyond-the-swipe/industries/salons-spas/salon-chargebacks-when-clients-dispute-a-haircut-or-color-job/https://www.mannypay.io/beyond-the-swipe/industries/salons-spas/salon-chargebacks-when-clients-dispute-a-haircut-or-color-job/Thu, 22 Oct 2026 12:00:00 GMTFacing a salon chargeback over a color or cut a client disliked? Learn what evidence wins, how redo policies help, and when a partial refund makes sense.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/retail/sales-tax-holidays-setting-up-your-pos-for-tax-free-weekend/https://www.mannypay.io/beyond-the-swipe/industries/retail/sales-tax-holidays-setting-up-your-pos-for-tax-free-weekend/Thu, 22 Oct 2026 12:00:00 GMTSales tax holiday POS setup for retailers: tag qualifying items, apply price thresholds, handle online orders and returns, and keep audit-ready records.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/merchant-education/restaurant-loyalty-program-ideas-that-bring-diners-back-sooner/https://www.mannypay.io/beyond-the-swipe/merchant-education/restaurant-loyalty-program-ideas-that-bring-diners-back-sooner/Thu, 22 Oct 2026 12:00:00 GMTRestaurant loyalty program ideas tied to food cost, not flat discounts: menu-item rewards, slow-day bonuses and online-order perks that bring diners back.Merchant Education & Growth https://www.mannypay.io/beyond-the-swipe/merchant-education/restaurant-labor-cost-percentage-calculate-and-cut-it/https://www.mannypay.io/beyond-the-swipe/merchant-education/restaurant-labor-cost-percentage-calculate-and-cut-it/Thu, 22 Oct 2026 12:00:00 GMTLearn how to calculate restaurant labor cost percentage, track sales per labor hour, and use POS hourly data to schedule leaner without hurting service.Merchant Education & Growth https://www.mannypay.io/beyond-the-swipe/industries/restaurants/restaurant-chargebacks-fighting-walkouts-and-delivery-disputes/https://www.mannypay.io/beyond-the-swipe/industries/restaurants/restaurant-chargebacks-fighting-walkouts-and-delivery-disputes/Thu, 22 Oct 2026 12:00:00 GMTLearn how to fight restaurant chargebacks from walkouts, disputed bar tabs, inflated tips and missing deliveries, plus the evidence that wins each case.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/web-design/reselling-hosting-to-clients-billing-markups-and-failed-payments/https://www.mannypay.io/beyond-the-swipe/industries/web-design/reselling-hosting-to-clients-billing-markups-and-failed-payments/Thu, 22 Oct 2026 12:00:00 GMTWeb hosting reseller billing for agencies: set markups, pick annual or monthly plans, recover declined renewals and stop fronting server costs.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/cannabis/putting-an-atm-in-your-dispensary-fees-placement-and-rules/https://www.mannypay.io/beyond-the-swipe/industries/cannabis/putting-an-atm-in-your-dispensary-fees-placement-and-rules/Thu, 22 Oct 2026 12:00:00 GMTThinking about an ATM for dispensary customers? Compare owning, leasing and placement deals, surcharge revenue math, self-loading and placement rules.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/ecommerce/preorder-payments-charge-now-or-when-the-product-ships/https://www.mannypay.io/beyond-the-swipe/industries/ecommerce/preorder-payments-charge-now-or-when-the-product-ships/Thu, 22 Oct 2026 12:00:00 GMTPreorder payment processing explained: compare charging upfront, authorizing and capturing later, or vaulting cards, plus FTC shipping and chargeback tips.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/home-healthcare/power-of-attorney-payments-who-can-authorize-home-care-billing/https://www.mannypay.io/beyond-the-swipe/industries/home-healthcare/power-of-attorney-payments-who-can-authorize-home-care-billing/Thu, 22 Oct 2026 12:00:00 GMTLearn when a power of attorney credit card payment is valid for home care, what documents to collect, and how to avoid invalid charges.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/plumbing/plumbing-maintenance-agreements-setting-up-monthly-member-billing/https://www.mannypay.io/beyond-the-swipe/industries/plumbing/plumbing-maintenance-agreements-setting-up-monthly-member-billing/Thu, 22 Oct 2026 12:00:00 GMTSet up plumbing maintenance agreement billing that works: pricing, card-on-file enrollment, renewal disclosures and fewer failed monthly payments.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/plumbing/plumbing-chargebacks-when-homeowners-say-the-repair-didn-t-work/https://www.mannypay.io/beyond-the-swipe/industries/plumbing/plumbing-chargebacks-when-homeowners-say-the-repair-didn-t-work/Thu, 22 Oct 2026 12:00:00 GMTFacing a plumbing chargeback? Learn the common disputes plumbers face and the photos, signed work orders and invoices that help you win them.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/boxing-fitness/personal-training-packages-payment-expiration-and-trainer-payouts/https://www.mannypay.io/beyond-the-swipe/industries/boxing-fitness/personal-training-packages-payment-expiration-and-trainer-payouts/Thu, 22 Oct 2026 12:00:00 GMTLearn how to handle personal training package payment: session packs, expiration rules, trainer payouts and refunds for unused sessions.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/peptides/peptide-therapy-clinic-payments-terminals-consults-and-injections/https://www.mannypay.io/beyond-the-swipe/industries/peptides/peptide-therapy-clinic-payments-terminals-consults-and-injections/Thu, 22 Oct 2026 12:00:00 GMTSet up peptide therapy clinic payment processing the right way: front-desk terminals, consult fees, injections, take-home kits and refill orders.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industry-news/pci-dss-4-0-1-payment-page-script-rules-what-changed-in-2025/https://www.mannypay.io/beyond-the-swipe/industry-news/pci-dss-4-0-1-payment-page-script-rules-what-changed-in-2025/Thu, 22 Oct 2026 12:00:00 GMTPCI DSS 6.4.3 and 11.6.1 became mandatory March 31, 2025. Learn what your online store must do, how SAQ A changed, and which tasks your platform covers.Payments News https://www.mannypay.io/beyond-the-swipe/merchant-education/pci-compliance-for-small-business-which-saq-do-you-need/https://www.mannypay.io/beyond-the-swipe/merchant-education/pci-compliance-for-small-business-which-saq-do-you-need/Thu, 22 Oct 2026 12:00:00 GMTPCI compliance for small business, simplified: match your card setup to the right SAQ, handle scans, and stop paying monthly non-compliance fees.Merchant Education & Growth https://www.mannypay.io/beyond-the-swipe/industries/hotels/pci-compliance-for-hotels-stop-taking-card-numbers-by-email/https://www.mannypay.io/beyond-the-swipe/industries/hotels/pci-compliance-for-hotels-stop-taking-card-numbers-by-email/Thu, 22 Oct 2026 12:00:00 GMTLearn PCI compliance for hotels: replace emailed card numbers, paper notes, and photocopied cards with secure workflows that cut risk and audit scope.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/liquor-stores/paying-your-beer-and-wine-distributor-cod-eft-and-credit-laws/https://www.mannypay.io/beyond-the-swipe/industries/liquor-stores/paying-your-beer-and-wine-distributor-cod-eft-and-credit-laws/Thu, 22 Oct 2026 12:00:00 GMTLiquor store distributor payment terms explained: COD, EFT debits, short credit windows, and how to avoid returned payments and cash-only status.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/payment-processing/pay-by-bank-how-open-banking-payments-work-for-merchants/https://www.mannypay.io/beyond-the-swipe/payment-processing/pay-by-bank-how-open-banking-payments-work-for-merchants/Thu, 22 Oct 2026 12:00:00 GMTLearn how pay by bank works for U.S. merchants, from ACH and instant rails to cost savings versus cards, return risk, fraud controls and provider questions.Payment Processing Fundamentals https://www.mannypay.io/beyond-the-swipe/industries/restaurants/pay-at-the-table-devices-are-they-worth-it-for-your-restaurant/https://www.mannypay.io/beyond-the-swipe/industries/restaurants/pay-at-the-table-devices-are-they-worth-it-for-your-restaurant/Thu, 22 Oct 2026 12:00:00 GMTIs a pay at the table restaurant setup worth it? Weigh handheld costs against faster table turns, tips and skimming protection, and estimate your payback.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/telehealth/online-pharmacy-credit-card-fees-rates-reserves-and-mcc-5912/https://www.mannypay.io/beyond-the-swipe/industries/telehealth/online-pharmacy-credit-card-fees-rates-reserves-and-mcc-5912/Thu, 22 Oct 2026 12:00:00 GMTSee what drives online pharmacy credit card processing fees, from MCC 5912 interchange to reserves and network fees, so you can spot an overpriced quote.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/kratom/online-kratom-age-verification-tools-that-pass-processor-review/https://www.mannypay.io/beyond-the-swipe/industries/kratom/online-kratom-age-verification-tools-that-pass-processor-review/Thu, 22 Oct 2026 12:00:00 GMTCompare kratom age verification methods, from age gates to ID scans, and see which ones processors tend to view as real verification.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/home-healthcare/nurse-staffing-factoring-vs-card-and-ach-fixing-cash-flow/https://www.mannypay.io/beyond-the-swipe/industries/home-healthcare/nurse-staffing-factoring-vs-card-and-ach-fixing-cash-flow/Thu, 22 Oct 2026 12:00:00 GMTCompare nurse staffing invoice factoring with card and ACH payments from facilities, and learn how to cover weekly nurse payroll at the lowest true cost.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/firearms/nics-denied-or-delayed-refunding-a-gun-buyer-the-right-way/https://www.mannypay.io/beyond-the-swipe/industries/firearms/nics-denied-or-delayed-refunding-a-gun-buyer-the-right-way/Thu, 22 Oct 2026 12:00:00 GMTHandle 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.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/merchant-education/net-30-payment-terms-explained-setting-terms-customers-honor/https://www.mannypay.io/beyond-the-swipe/merchant-education/net-30-payment-terms-explained-setting-terms-customers-honor/Thu, 22 Oct 2026 12:00:00 GMTLearn how net 30 payment terms compare to Net 15, due on receipt and 2/10 Net 30, and when an early payment discount beats waiting or financing.Merchant Education & Growth https://www.mannypay.io/beyond-the-swipe/industries/salons-spas/nail-salon-payment-processing-fees-cash-tips-and-card-readers/https://www.mannypay.io/beyond-the-swipe/industries/salons-spas/nail-salon-payment-processing-fees-cash-tips-and-card-readers/Thu, 22 Oct 2026 12:00:00 GMTNail salon credit card processing explained: why small tickets cost more, how to check out clients with wet nails, and how to handle card tips.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/education/music-teacher-billing-software-my-music-staff-vs-teacherzone/https://www.mannypay.io/beyond-the-swipe/industries/education/music-teacher-billing-software-my-music-staff-vs-teacherzone/Thu, 22 Oct 2026 12:00:00 GMTCompare music teacher billing software like My Music Staff and TeacherZone on processing fees, tuition models, makeup credits and multi-teacher payouts.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/marketplaces/money-transmitter-licenses-for-marketplaces-agent-of-payee-rules/https://www.mannypay.io/beyond-the-swipe/industries/marketplaces/money-transmitter-licenses-for-marketplaces-agent-of-payee-rules/Thu, 22 Oct 2026 12:00:00 GMTMoney transmitter license marketplace rules explained: when holding seller funds triggers state law and how agent-of-payee terms and payout design help.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/veterinary/mobile-and-farm-call-vet-payments-taking-cards-on-the-road/https://www.mannypay.io/beyond-the-swipe/industries/veterinary/mobile-and-farm-call-vet-payments-taking-cards-on-the-road/Thu, 22 Oct 2026 12:00:00 GMTA guide to mobile vet payment processing for house call, equine and farm practices: readers for weak signal, trip fees, net terms, ACH and PIMS sync.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/merchant-education/merchant-funds-on-hold-why-it-happens-and-how-to-get-paid/https://www.mannypay.io/beyond-the-swipe/merchant-education/merchant-funds-on-hold-why-it-happens-and-how-to-get-paid/Thu, 22 Oct 2026 12:00:00 GMTMerchant account funds on hold? Learn what triggers a risk review, what documents to send, realistic release timelines, and how to prevent the next hold.Merchant Education & Growth https://www.mannypay.io/beyond-the-swipe/comparisons/merchant-account-vs-payment-aggregator-which-fits-your-business/https://www.mannypay.io/beyond-the-swipe/comparisons/merchant-account-vs-payment-aggregator-which-fits-your-business/Thu, 22 Oct 2026 12:00:00 GMTMerchant account vs payment aggregator: compare approval speed, fund holds, pricing and stability so you know when it's time to switch to your own account.Comparisons & Buying Guides https://www.mannypay.io/beyond-the-swipe/merchant-education/merchant-account-denied-common-reasons-and-what-to-do-next/https://www.mannypay.io/beyond-the-swipe/merchant-education/merchant-account-denied-common-reasons-and-what-to-do-next/Thu, 22 Oct 2026 12:00:00 GMTMerchant account denied? Learn the common reasons low-risk businesses get declined, how to find the real cause, and a plan to fix it and reapply.Merchant Education & Growth https://www.mannypay.io/beyond-the-swipe/high-risk-processing/merchant-account-application-denied-common-reasons-and-fixes/https://www.mannypay.io/beyond-the-swipe/high-risk-processing/merchant-account-application-denied-common-reasons-and-fixes/Thu, 22 Oct 2026 12:00:00 GMTMerchant account application denied? Learn the most common underwriting denial reasons and the concrete fixes that give your reapplication a real chance.High-Risk Merchant Processing https://www.mannypay.io/beyond-the-swipe/industries/digital-products/mcc-5815-5818-how-digital-goods-codes-change-your-fees/https://www.mannypay.io/beyond-the-swipe/industries/digital-products/mcc-5815-5818-how-digital-goods-codes-change-your-fees/Thu, 22 Oct 2026 12:00:00 GMTLearn what MCC 5818 and the other digital goods codes mean, how the wrong code affects interchange, approvals and monitoring, and how to fix it.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/apparel/luxury-resale-merchant-accounts-getting-approved-with-designer-goods/https://www.mannypay.io/beyond-the-swipe/industries/apparel/luxury-resale-merchant-accounts-getting-approved-with-designer-goods/Thu, 22 Oct 2026 12:00:00 GMTLearn how to get a luxury resale merchant account approved: the authentication records, policies and fraud controls underwriters want for designer resale.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/payment-processing/local-payment-methods-ideal-pix-and-more-by-country/https://www.mannypay.io/beyond-the-swipe/payment-processing/local-payment-methods-ideal-pix-and-more-by-country/Thu, 22 Oct 2026 12:00:00 GMTLearn which local payment methods shoppers expect by country, from iDEAL to Pix and Boleto, and how U.S. merchants can add them through a gateway.Payment Processing Fundamentals https://www.mannypay.io/beyond-the-swipe/industries/liquor-stores/liquor-quantity-discount-laws-case-deals-your-pos-can-legally-run/https://www.mannypay.io/beyond-the-swipe/industries/liquor-stores/liquor-quantity-discount-laws-case-deals-your-pos-can-legally-run/Thu, 22 Oct 2026 12:00:00 GMTLearn how a liquor quantity discount law, minimum markup rules and price posting affect case deals, and how to set up compliant promotions in your POS.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/professional-services/legal-fee-financing-offering-pay-later-plans-without-collections-risk/https://www.mannypay.io/beyond-the-swipe/industries/professional-services/legal-fee-financing-offering-pay-later-plans-without-collections-risk/Thu, 22 Oct 2026 12:00:00 GMTCompare legal fee financing and in-house payment plans so your firm can sign clients who can't pay upfront while limiting collections risk.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/filipino-american-businesses/lechon-preorders-deposits-and-no-show-rules-for-the-holidays/https://www.mannypay.io/beyond-the-swipe/industries/filipino-american-businesses/lechon-preorders-deposits-and-no-show-rules-for-the-holidays/Thu, 22 Oct 2026 12:00:00 GMTSet a lechon order deposit, pickup window and no-show policy that protects your holiday roasts, keeps customers happy and holds up in a card dispute.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/b2b-wholesale/large-ticket-interchange-cheaper-rates-on-10-000-b2b-orders/https://www.mannypay.io/beyond-the-swipe/industries/b2b-wholesale/large-ticket-interchange-cheaper-rates-on-10-000-b2b-orders/Thu, 22 Oct 2026 12:00:00 GMTLearn how large ticket interchange can cut fees on big B2B card orders, what qualifies, and how to make sure your processor passes the savings on.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/rates-and-fees/is-a-cash-discount-program-worth-it-pros-cons-real-costs/https://www.mannypay.io/beyond-the-swipe/rates-and-fees/is-a-cash-discount-program-worth-it-pros-cons-real-costs/Thu, 22 Oct 2026 12:00:00 GMTWeighing a cash discount program? Compare fee savings with customer pushback, legal limits and contract terms to decide if it fits your business.Rates, Fees & Savings https://www.mannypay.io/beyond-the-swipe/payment-processing/interchange-plus-vs-flat-rate-vs-tiered-pricing-models-compared/https://www.mannypay.io/beyond-the-swipe/payment-processing/interchange-plus-vs-flat-rate-vs-tiered-pricing-models-compared/Thu, 22 Oct 2026 12:00:00 GMTCompare credit card processing pricing models side by side. See how interchange-plus, flat-rate, tiered and subscription pricing affect your monthly costs.Payment Processing Fundamentals https://www.mannypay.io/beyond-the-swipe/payment-processing/interchange-downgrades-why-some-sales-cost-more-and-how-to-fix/https://www.mannypay.io/beyond-the-swipe/payment-processing/interchange-downgrades-why-some-sales-cost-more-and-how-to-fix/Thu, 22 Oct 2026 12:00:00 GMTLearn what causes an interchange downgrade, how to spot non-qualified transactions on your statement, and the settings that help you avoid paying more.Payment Processing Fundamentals https://www.mannypay.io/beyond-the-swipe/industries/car-dealerships/integrating-card-payments-with-cdk-reynolds-and-dealertrack-dms/https://www.mannypay.io/beyond-the-swipe/industries/car-dealerships/integrating-card-payments-with-cdk-reynolds-and-dealertrack-dms/Thu, 22 Oct 2026 12:00:00 GMTLearn how DMS payment integration helps car dealerships post and reconcile card payments in CDK, Reynolds, and Dealertrack and keep your own processor.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/low-risk-ecommerce/instant-payouts-for-online-stores-is-faster-cash-worth-the-fee/https://www.mannypay.io/beyond-the-swipe/industries/low-risk-ecommerce/instant-payouts-for-online-stores-is-faster-cash-worth-the-fee/Thu, 22 Oct 2026 12:00:00 GMTCompare standard, next-day, and instant payouts for ecommerce, see what speed costs over a year, and learn when it fixes inventory cash flow.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/merchant-education/instant-approval-merchant-accounts-what-instant-really-means/https://www.mannypay.io/beyond-the-swipe/merchant-education/instant-approval-merchant-accounts-what-instant-really-means/Thu, 22 Oct 2026 12:00:00 GMTAn instant approval merchant account can be live in minutes but reviewed later. Learn the tradeoffs and how to get a dedicated account approved fast.Merchant Education & Growth https://www.mannypay.io/beyond-the-swipe/industries/marketplaces/inform-consumers-act-marketplace-seller-disclosure-checklist/https://www.mannypay.io/beyond-the-swipe/industries/marketplaces/inform-consumers-act-marketplace-seller-disclosure-checklist/Thu, 22 Oct 2026 12:00:00 GMTA practical INFORM Consumers Act compliance checklist for marketplaces: seller thresholds, bank verification, recertification and buyer disclosures.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/medical/in-house-dental-membership-plans-setting-up-monthly-billing/https://www.mannypay.io/beyond-the-swipe/industries/medical/in-house-dental-membership-plans-setting-up-monthly-billing/Thu, 22 Oct 2026 12:00:00 GMTLearn how to set up dental membership plan billing: pricing, monthly autopay, failed-payment recovery, cancellations and state rules to check.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/payment-processing/how-to-take-credit-card-payments-over-the-phone-safely/https://www.mannypay.io/beyond-the-swipe/payment-processing/how-to-take-credit-card-payments-over-the-phone-safely/Thu, 22 Oct 2026 12:00:00 GMTLearn how to take credit card payments over the phone safely: the right tools, data that lowers rates, PCI-safe handling, and fraud checks for staff.Payment Processing Fundamentals https://www.mannypay.io/beyond-the-swipe/payment-processing/how-to-improve-authorization-rates-12-fixes-for-false-declines/https://www.mannypay.io/beyond-the-swipe/payment-processing/how-to-improve-authorization-rates-12-fixes-for-false-declines/Thu, 22 Oct 2026 12:00:00 GMTLearn how to improve authorization rates with 12 fixes for data, tokens, retries, fraud rules and routing that recover sales lost to false declines.Payment Processing Fundamentals https://www.mannypay.io/beyond-the-swipe/merchant-education/how-to-earn-standard-processing-terms-and-shrink-your-reserve/https://www.mannypay.io/beyond-the-swipe/merchant-education/how-to-earn-standard-processing-terms-and-shrink-your-reserve/Thu, 22 Oct 2026 12:00:00 GMTLearn how to reduce merchant account reserve holdbacks with a 6- to 12-month plan, plus the metrics and documents processors want to see.Merchant Education & Growth https://www.mannypay.io/beyond-the-swipe/rates-and-fees/how-to-calculate-credit-card-processing-fees-on-any-sale/https://www.mannypay.io/beyond-the-swipe/rates-and-fees/how-to-calculate-credit-card-processing-fees-on-any-sale/Thu, 22 Oct 2026 12:00:00 GMTLearn how to calculate credit card processing fees for flat-rate, interchange-plus and tiered pricing, plus your true cost per sale to set better prices.Rates, Fees & Savings https://www.mannypay.io/beyond-the-swipe/mannypay-solutions/how-to-accept-credit-card-payments-over-the-phone/https://www.mannypay.io/beyond-the-swipe/mannypay-solutions/how-to-accept-credit-card-payments-over-the-phone/Thu, 22 Oct 2026 12:00:00 GMTLearn how to accept credit card payments over the phone: the right tools, what to collect, AVS and CVV checks, PCI-safe handling, and staff scripts.MannyPay Products & Solutions https://www.mannypay.io/beyond-the-swipe/industries/hotels/hotel-self-check-in-kiosks-costs-payments-and-guest-fraud-risks/https://www.mannypay.io/beyond-the-swipe/industries/hotels/hotel-self-check-in-kiosks-costs-payments-and-guest-fraud-risks/Thu, 22 Oct 2026 12:00:00 GMTConsidering a hotel self check-in kiosk? Learn what it really costs, how to run holds and ID checks unattended, and how to measure the ROI.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/comparisons/high-risk-vs-low-risk-merchant-accounts-explained/https://www.mannypay.io/beyond-the-swipe/comparisons/high-risk-vs-low-risk-merchant-accounts-explained/Thu, 22 Oct 2026 12:00:00 GMTCompare a high-risk vs. low-risk merchant account: what underwriters review, how fees, reserves and contracts differ, and how to qualify for better terms.Comparisons & Buying Guides https://www.mannypay.io/beyond-the-swipe/industries/digital-products/gumroad-vs-lemon-squeezy-vs-payhip-creator-fees-compared/https://www.mannypay.io/beyond-the-swipe/industries/digital-products/gumroad-vs-lemon-squeezy-vs-payhip-creator-fees-compared/Thu, 22 Oct 2026 12:00:00 GMTGumroad vs. Lemon Squeezy vs. Payhip: see how creator fees, tax handling and payouts change your take-home on $10, $49 and $299 sales.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/merchant-education/gift-cards-for-small-business-how-to-set-up-and-sell-more/https://www.mannypay.io/beyond-the-swipe/merchant-education/gift-cards-for-small-business-how-to-set-up-and-sell-more/Thu, 22 Oct 2026 12:00:00 GMTLearn how to set up a gift card program for small business, connect it to your POS, account for unredeemed balances and sell more cards year-round.Merchant Education & Growth https://www.mannypay.io/beyond-the-swipe/industries/furniture/furniture-restocking-and-cancellation-fees-that-hold-up/https://www.mannypay.io/beyond-the-swipe/industries/furniture/furniture-restocking-and-cancellation-fees-that-hold-up/Thu, 22 Oct 2026 12:00:00 GMTBuild a furniture restocking fee policy and custom-order cancellation terms that meet disclosure rules, process cleanly and hold up in card disputes.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/high-risk-processing/free-trial-and-subscription-billing-rules-from-visa-and-mastercard/https://www.mannypay.io/beyond-the-swipe/high-risk-processing/free-trial-and-subscription-billing-rules-from-visa-and-mastercard/Thu, 22 Oct 2026 12:00:00 GMTLearn the free trial billing rules Visa and Mastercard set for consent, reminders and cancellation, plus a checklist to protect approvals and chargebacks.High-Risk Merchant Processing https://www.mannypay.io/beyond-the-swipe/industries/food-trucks/food-trucks-at-breweries-handling-revenue-share-and-host-fees/https://www.mannypay.io/beyond-the-swipe/industries/food-trucks/food-trucks-at-breweries-handling-revenue-share-and-host-fees/Thu, 22 Oct 2026 12:00:00 GMTLearn how a food truck brewery revenue share works, whether tips, tax and card fees count, and how to report and pay hosts using POS data.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/locations/florida/florida-credit-card-surcharge-law-is-it-legal-now/https://www.mannypay.io/beyond-the-swipe/locations/florida/florida-credit-card-surcharge-law-is-it-legal-now/Thu, 22 Oct 2026 12:00:00 GMTLearn where Florida credit card surcharge law stands after Dana's Railroad Supply, which card rules still apply, and how to set up a compliant program.Local Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/events-ticketing/festival-ticket-payment-plans-installments-without-default-losses/https://www.mannypay.io/beyond-the-swipe/industries/events-ticketing/festival-ticket-payment-plans-installments-without-default-losses/Thu, 22 Oct 2026 12:00:00 GMTSet up a festival ticket payment plan that can lift pass sales, compare in-house installments with BNPL, and handle failed payments before gates open.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/merchant-education/false-declines-why-good-customers-get-rejected-and-how-to-fix-it/https://www.mannypay.io/beyond-the-swipe/merchant-education/false-declines-why-good-customers-get-rejected-and-how-to-fix-it/Thu, 22 Oct 2026 12:00:00 GMTLearn how to reduce false declines by decoding issuer responses and tuning AVS, CVV and fraud filters so legitimate customers can finish checking out.Merchant Education & Growth https://www.mannypay.io/beyond-the-swipe/industries/professional-services/evergreen-retainers-auto-replenishing-client-trust-with-card-on-file/https://www.mannypay.io/beyond-the-swipe/industries/professional-services/evergreen-retainers-auto-replenishing-client-trust-with-card-on-file/Thu, 22 Oct 2026 12:00:00 GMTSet up an evergreen retainer that tops itself up: minimum balances, card-on-file authorization language, client notices and what to do when a charge fails.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/marketplaces/escrow-style-payments-holding-funds-until-buyers-confirm-delivery/https://www.mannypay.io/beyond-the-swipe/industries/marketplaces/escrow-style-payments-holding-funds-until-buyers-confirm-delivery/Thu, 22 Oct 2026 12:00:00 GMTLearn how an escrow payment for marketplace orders works, when to hold payment until delivery, and when you need a licensed escrow partner.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/jewelry/engagement-ring-financing-setting-up-a-program-for-your-store/https://www.mannypay.io/beyond-the-swipe/industries/jewelry/engagement-ring-financing-setting-up-a-program-for-your-store/Thu, 22 Oct 2026 12:00:00 GMTSet up a jewelry store financing program that closes more engagement ring sales. Compare private-label credit, lease-to-own, BNPL and merchant fees.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/nutraceuticals/empty-bottle-money-back-guarantees-refunds-without-abuse/https://www.mannypay.io/beyond-the-swipe/industries/nutraceuticals/empty-bottle-money-back-guarantees-refunds-without-abuse/Thu, 22 Oct 2026 12:00:00 GMTStructure a supplement money back guarantee that turns would-be chargebacks into refunds while stopping serial refunders and resellers from draining margin.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/merchant-education/employee-scheduling-software-small-business-buyer-s-guide/https://www.mannypay.io/beyond-the-swipe/merchant-education/employee-scheduling-software-small-business-buyer-s-guide/Thu, 22 Oct 2026 12:00:00 GMTCompare employee scheduling software for small business: the features that cut labor costs, POS integration, pricing models and rollout tips.Merchant Education & Growth https://www.mannypay.io/beyond-the-swipe/merchant-education/dunning-management-recover-failed-subscription-payments/https://www.mannypay.io/beyond-the-swipe/merchant-education/dunning-management-recover-failed-subscription-payments/Thu, 22 Oct 2026 12:00:00 GMTLearn how dunning management recovers failed subscription payments with smart retry timing, reminder emails and grace periods that stop accidental churn.Merchant Education & Growth https://www.mannypay.io/beyond-the-swipe/industries/dropshipping/dropshipping-sales-tax-resale-certificates-and-who-collects/https://www.mannypay.io/beyond-the-swipe/industries/dropshipping/dropshipping-sales-tax-resale-certificates-and-who-collects/Thu, 22 Oct 2026 12:00:00 GMTLearn how dropshipping sales tax works across three parties, why suppliers may charge you tax, and how resale certificates help you avoid paying twice.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/dropshipping/dropshipping-refund-policy-when-your-supplier-won-t-refund-you/https://www.mannypay.io/beyond-the-swipe/industries/dropshipping/dropshipping-refund-policy-when-your-supplier-won-t-refund-you/Thu, 22 Oct 2026 12:00:00 GMTWrite a dropshipping refund policy that protects your margin when supplier terms are strict, reduces dispute risk and supports processor review.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/education/driving-school-payments-in-car-card-readers-and-lesson-packages/https://www.mannypay.io/beyond-the-swipe/industries/education/driving-school-payments-in-car-card-readers-and-lesson-packages/Thu, 22 Oct 2026 12:00:00 GMTA practical guide to driving school payment processing: collect package fees online, take balances in the car, and handle road test fees and parent payers.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/contractors/do-contractors-charge-sales-tax-lump-sum-vs-time-and-materials/https://www.mannypay.io/beyond-the-swipe/industries/contractors/do-contractors-charge-sales-tax-lump-sum-vs-time-and-materials/Thu, 22 Oct 2026 12:00:00 GMTDo contractors charge sales tax? Learn when you pay tax on materials, when it goes on the invoice, and how to avoid double-taxing customers or audit bills.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industry-news/discover-s-new-card-verification-rule-for-online-sellers-explained/https://www.mannypay.io/beyond-the-swipe/industry-news/discover-s-new-card-verification-rule-for-online-sellers-explained/Thu, 22 Oct 2026 12:00:00 GMTThe Discover card account verification service becomes required for card-not-present sellers Oct. 23. Learn how it works and how to check your gateway.Payments News https://www.mannypay.io/beyond-the-swipe/industries/medical/dental-missed-appointment-fees-policies-you-can-actually-charge/https://www.mannypay.io/beyond-the-swipe/industries/medical/dental-missed-appointment-fees-policies-you-can-actually-charge/Thu, 22 Oct 2026 12:00:00 GMTLearn which patients can be charged a dental missed appointment fee, how Medicare and Medicaid rules apply, and how to collect by card without disputes.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/mannypay-solutions/credit-card-terminal-vs-pos-system-which-do-you-need/https://www.mannypay.io/beyond-the-swipe/mannypay-solutions/credit-card-terminal-vs-pos-system-which-do-you-need/Thu, 22 Oct 2026 12:00:00 GMTCredit card terminal vs POS system: use catalog size, staff count and reporting needs to choose the right setup without paying for more than you need.MannyPay Products & Solutions https://www.mannypay.io/beyond-the-swipe/industries/telehealth/controlled-substance-telehealth-processing-for-adhd-and-ketamine-care/https://www.mannypay.io/beyond-the-swipe/industries/telehealth/controlled-substance-telehealth-processing-for-adhd-and-ketamine-care/Thu, 22 Oct 2026 12:00:00 GMTLearn how ketamine telehealth payment processing works, what underwriters check in prescribing protocols, and how to bill ADHD and TRT care safely.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/contractors/contractor-chargebacks-when-homeowners-dispute-a-deposit/https://www.mannypay.io/beyond-the-swipe/industries/contractors/contractor-chargebacks-when-homeowners-dispute-a-deposit/Thu, 22 Oct 2026 12:00:00 GMTFacing a contractor chargeback on a deposit? Learn the reason codes homeowners use, the job-site evidence that wins, and contract fixes that prevent them.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/retail/consignment-store-payments-tracking-sales-and-paying-consignors/https://www.mannypay.io/beyond-the-swipe/industries/retail/consignment-store-payments-tracking-sales-and-paying-consignors/Thu, 22 Oct 2026 12:00:00 GMTCompare consignment store payout software features, split and fee options, and how to pay consignors by check, ACH or store credit without payout errors.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/food-trucks/company-paid-food-truck-lunches-tabs-caps-and-invoicing/https://www.mannypay.io/beyond-the-swipe/industries/food-trucks/company-paid-food-truck-lunches-tabs-caps-and-invoicing/Thu, 22 Oct 2026 12:00:00 GMTRun a company-paid food truck lunch without billing headaches: set per-person caps, secure a corporate tab, handle overages, and get invoices paid faster.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industry-news/checkout-com-moves-into-stores-what-it-means-for-card-present-sales/https://www.mannypay.io/beyond-the-swipe/industry-news/checkout-com-moves-into-stores-what-it-means-for-card-present-sales/Thu, 22 Oct 2026 12:00:00 GMTCheckout.com in-person payments are coming to stores. Learn what the Mollie deal means and what to check before using one processor online and in-store.Payments News https://www.mannypay.io/beyond-the-swipe/merchant-education/checkout-abandonment-payment-fixes-that-recover-lost-sales/https://www.mannypay.io/beyond-the-swipe/merchant-education/checkout-abandonment-payment-fixes-that-recover-lost-sales/Thu, 22 Oct 2026 12:00:00 GMTReduce checkout abandonment with payment fixes: show totals early, offer guest checkout, add expected payment methods and measure what works.Merchant Education & Growth https://www.mannypay.io/beyond-the-swipe/industries/jet-charter/charter-broker-or-operator-who-should-charge-the-client/https://www.mannypay.io/beyond-the-swipe/industries/jet-charter/charter-broker-or-operator-who-should-charge-the-client/Thu, 22 Oct 2026 12:00:00 GMTShould you be the charter broker merchant of record? Compare chargeback liability, fees, cash float, and contract terms against operator-collects.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/chargebacks-fraud-security/chargeback-ratio-how-to-calculate-it-and-what-s-too-high/https://www.mannypay.io/beyond-the-swipe/chargebacks-fraud-security/chargeback-ratio-how-to-calculate-it-and-what-s-too-high/Thu, 22 Oct 2026 12:00:00 GMTLearn how to calculate your chargeback ratio the way networks and processors do, with worked examples and a simple dashboard to stay below review limits.Chargebacks, Fraud & Security https://www.mannypay.io/beyond-the-swipe/industries/cbd/cbd-subscriptions-and-autoship-billing-without-getting-shut-down/https://www.mannypay.io/beyond-the-swipe/industries/cbd/cbd-subscriptions-and-autoship-billing-without-getting-shut-down/Thu, 22 Oct 2026 12:00:00 GMTLearn how CBD subscription billing works without account terminations: clear consent, reminder emails, easy cancellation and no trial-offer traps.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/tobacco/cash-discount-programs-for-tobacco-shops-legal-setup-and-pitfalls/https://www.mannypay.io/beyond-the-swipe/industries/tobacco/cash-discount-programs-for-tobacco-shops-legal-setup-and-pitfalls/Thu, 22 Oct 2026 12:00:00 GMTSet up a tobacco shop cash discount program that recovers card fees without breaking card network rules, state surcharge laws or cigarette minimum prices.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/salons-spas/cash-discount-programs-for-salons-legal-setup-and-client-reactions/https://www.mannypay.io/beyond-the-swipe/industries/salons-spas/cash-discount-programs-for-salons-legal-setup-and-client-reactions/Thu, 22 Oct 2026 12:00:00 GMTThinking about a salon cash discount program? Learn surcharge vs. dual pricing rules, menu pricing, tips, packages and how to tell regular clients.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/home-healthcare/caregivers-using-client-cards-for-errands-fraud-safe-policies/https://www.mannypay.io/beyond-the-swipe/industries/home-healthcare/caregivers-using-client-cards-for-errands-fraud-safe-policies/Thu, 22 Oct 2026 12:00:00 GMTA caregiver using a client credit card for errands creates risk. Learn a fraud-safe policy for prepaid cards, reimbursement, receipts and spending limits.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/telehealth/card-on-file-for-virtual-visits-copays-self-pay-and-no-show-fees/https://www.mannypay.io/beyond-the-swipe/industries/telehealth/card-on-file-for-virtual-visits-copays-self-pay-and-no-show-fees/Thu, 22 Oct 2026 12:00:00 GMTLearn how to set a telehealth no-show fee, store cards at intake, collect copays before the visit, and get consent that holds up when patients dispute.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/high-risk-processing/cannabis-dispensary-payments-legal-options-that-won-t-get-you-cut-off/https://www.mannypay.io/beyond-the-swipe/high-risk-processing/cannabis-dispensary-payments-legal-options-that-won-t-get-you-cut-off/Thu, 22 Oct 2026 12:00:00 GMTCannabis payment processing explained: why card networks say no, why cashless ATMs are risky, and the compliant ways dispensaries can get paid.High-Risk Merchant Processing https://www.mannypay.io/beyond-the-swipe/filipino-entrepreneurs/can-you-get-a-merchant-account-with-an-itin/https://www.mannypay.io/beyond-the-swipe/filipino-entrepreneurs/can-you-get-a-merchant-account-with-an-itin/Thu, 22 Oct 2026 12:00:00 GMTLearn whether you can get a merchant account with an ITIN, what processors check and how to strengthen an application without an SSN.Filipino Businesses & Entrepreneurs https://www.mannypay.io/beyond-the-swipe/industries/veterinary/can-vets-charge-a-credit-card-fee-surcharging-rules-for-clinics/https://www.mannypay.io/beyond-the-swipe/industries/veterinary/can-vets-charge-a-credit-card-fee-surcharging-rules-for-clinics/Thu, 22 Oct 2026 12:00:00 GMTCan vets charge credit card fees? Learn card network caps, state limits, the debit rule and disclosure basics before adding a surcharge at your clinic.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/filipino-american-businesses/can-u-s-businesses-accept-gcash-or-maya-from-customers/https://www.mannypay.io/beyond-the-swipe/industries/filipino-american-businesses/can-u-s-businesses-accept-gcash-or-maya-from-customers/Thu, 22 Oct 2026 12:00:00 GMTWant to accept GCash payments in US shops? Learn what Philippine e-wallets can and can't do for U.S. sellers, plus compliant ways Filipino customers can pay.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/moving/can-moving-companies-charge-a-credit-card-fee-surcharge-rules/https://www.mannypay.io/beyond-the-swipe/industries/moving/can-moving-companies-charge-a-credit-card-fee-surcharge-rules/Thu, 22 Oct 2026 12:00:00 GMTCan moving companies charge credit card fees? Learn surcharge rules, state limits, cash discount options and how to list card fees in estimates and tariffs.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/grocery/can-grocery-stores-surcharge-credit-cards-rules-ebt-and-debit/https://www.mannypay.io/beyond-the-swipe/industries/grocery/can-grocery-stores-surcharge-credit-cards-rules-ebt-and-debit/Thu, 22 Oct 2026 12:00:00 GMTCan grocery stores charge credit card fees? Learn the card network rules, the debit and SNAP EBT limits, and when a cash discount may fit better.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/health-beauty/can-clients-use-hsa-or-fsa-for-massage-and-med-spa-services/https://www.mannypay.io/beyond-the-swipe/industries/health-beauty/can-clients-use-hsa-or-fsa-for-massage-and-med-spa-services/Thu, 22 Oct 2026 12:00:00 GMTCan you use HSA for massage or med spa services? Learn what may qualify, how letters of medical necessity work, and how to avoid HSA card declines.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/car-dealerships/can-car-dealerships-charge-a-credit-card-fee-surcharge-rules/https://www.mannypay.io/beyond-the-swipe/industries/car-dealerships/can-car-dealerships-charge-a-credit-card-fee-surcharge-rules/Thu, 22 Oct 2026 12:00:00 GMTCan car dealerships charge credit card fees? Learn how surcharges, debit rules, doc fees and buyer's order disclosures work before you add one.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/gyms-martial-arts/buying-a-gym-how-to-transfer-member-billing-without-losing-dues/https://www.mannypay.io/beyond-the-swipe/industries/gyms-martial-arts/buying-a-gym-how-to-transfer-member-billing-without-losing-dues/Thu, 22 Oct 2026 12:00:00 GMTBuying a gym? Transfer memberships, stored cards and contracts the right way, keep dues flowing and avoid chargebacks after the sale closes.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/comparisons/best-pos-system-for-small-business-a-buyer-s-checklist/https://www.mannypay.io/beyond-the-swipe/comparisons/best-pos-system-for-small-business-a-buyer-s-checklist/Thu, 22 Oct 2026 12:00:00 GMTFind the best POS system for small business with a checklist that weighs features, total cost, processing lock-in and contract terms before you sign.Comparisons & Buying Guides https://www.mannypay.io/beyond-the-swipe/industries/web-design/best-invoicing-software-for-web-design-agencies-compared/https://www.mannypay.io/beyond-the-swipe/industries/web-design/best-invoicing-software-for-web-design-agencies-compared/Thu, 22 Oct 2026 12:00:00 GMTCompare invoicing software for web design agency billing: deposits, milestones, retainers, ACH, and what processing fees really cost on a large invoice.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/high-risk-processing/best-high-risk-merchant-account-providers-how-to-vet-them/https://www.mannypay.io/beyond-the-swipe/high-risk-processing/best-high-risk-merchant-account-providers-how-to-vet-them/Thu, 22 Oct 2026 12:00:00 GMTComparing high-risk merchant account providers? Learn how to vet acquiring banks, reserves, pricing and termination history before you sign.High-Risk Merchant Processing https://www.mannypay.io/beyond-the-swipe/industries/apparel/alterations-and-tailoring-payments-deposits-and-unclaimed-garments/https://www.mannypay.io/beyond-the-swipe/industries/apparel/alterations-and-tailoring-payments-deposits-and-unclaimed-garments/Thu, 22 Oct 2026 12:00:00 GMTBuild an alterations shop payment policy that covers deposits, pickup balances, card-on-file consent and unclaimed garments, with fewer disputes.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/cbd/age-verification-for-delta-8-online-checkout-tools-that-pass-review/https://www.mannypay.io/beyond-the-swipe/industries/cbd/age-verification-for-delta-8-online-checkout-tools-that-pass-review/Thu, 22 Oct 2026 12:00:00 GMTCompare pop-up age gates with ID-based delta 8 age verification online, and learn which checkout tools hold up with processors, states and carriers.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/auto-repair/after-hours-car-pickup-text-to-pay-and-key-drop-box-payments/https://www.mannypay.io/beyond-the-swipe/industries/auto-repair/after-hours-car-pickup-text-to-pay-and-key-drop-box-payments/Thu, 22 Oct 2026 12:00:00 GMTLearn how auto repair text to pay works with key drop boxes and smart lockers so customers can pick up after hours and you avoid releasing an unpaid car.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/adult/adult-merchant-account-terminated-recovering-funds-and-reapplying/https://www.mannypay.io/beyond-the-swipe/industries/adult/adult-merchant-account-terminated-recovering-funds-and-reapplying/Thu, 22 Oct 2026 12:00:00 GMTAdult merchant account terminated? Learn how to recover held funds, check for a MATCH listing, keep subscribers billing and reapply on solid footing.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/filipino-entrepreneurs/adding-remittance-services-to-your-store-what-to-know/https://www.mannypay.io/beyond-the-swipe/filipino-entrepreneurs/adding-remittance-services-to-your-store-what-to-know/Thu, 22 Oct 2026 12:00:00 GMTLearn how to become a money transfer agent for your store, what licensed providers expect, and the compliance duties that keep padala services legal.Filipino Businesses & Entrepreneurs https://www.mannypay.io/beyond-the-swipe/industries/ecommerce/adding-apple-pay-google-pay-and-paypal-to-your-store-s-checkout/https://www.mannypay.io/beyond-the-swipe/industries/ecommerce/adding-apple-pay-google-pay-and-paypal-to-your-store-s-checkout/Thu, 22 Oct 2026 12:00:00 GMTHow to add Apple Pay to website checkout, plus Google Pay and PayPal: setup steps, fees, fraud benefits and button placement for mobile shoppers.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/comparisons/ach-vs-credit-card-payments-costs-speed-and-risk/https://www.mannypay.io/beyond-the-swipe/comparisons/ach-vs-credit-card-payments-costs-speed-and-risk/Thu, 22 Oct 2026 12:00:00 GMTCompare ACH vs credit card payments on fees, settlement speed, returns and chargebacks, and learn when to steer recurring or high-ticket customers to ACH.Comparisons & Buying Guides https://www.mannypay.io/beyond-the-swipe/industries/7oh/accepting-payments-for-7-oh-online-when-cards-say-no/https://www.mannypay.io/beyond-the-swipe/industries/7oh/accepting-payments-for-7-oh-online-when-cards-say-no/Thu, 22 Oct 2026 12:00:00 GMTCompare 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.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/7oh/7-oh-vs-kratom-leaf-why-processors-underwrite-them-differently/https://www.mannypay.io/beyond-the-swipe/industries/7oh/7-oh-vs-kratom-leaf-why-processors-underwrite-them-differently/Thu, 22 Oct 2026 12:00:00 GMTWeighing a 7-OH vs. kratom merchant account? Learn why processors underwrite them differently and what to ask before adding 7-OH to your store.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/cannabis/280e-and-payment-fees-can-dispensaries-deduct-processing-costs/https://www.mannypay.io/beyond-the-swipe/industries/cannabis/280e-and-payment-fees-can-dispensaries-deduct-processing-costs/Thu, 22 Oct 2026 12:00:00 GMTSee 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.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/merchant-education/13-week-cash-flow-forecast-build-one-from-your-sales-data/https://www.mannypay.io/beyond-the-swipe/merchant-education/13-week-cash-flow-forecast-build-one-from-your-sales-data/Thu, 22 Oct 2026 12:00:00 GMTLearn how to build a 13-week cash flow forecast from real card deposits, fees, and holds so your projection matches what actually lands in your bank.Merchant Education & Growth https://www.mannypay.io/beyond-the-swipe/industries/woocommerce-stores/woocommerce-pci-compliance-your-saq-when-you-host-the-store/https://www.mannypay.io/beyond-the-swipe/industries/woocommerce-stores/woocommerce-pci-compliance-your-saq-when-you-host-the-store/Wed, 21 Oct 2026 12:00:00 GMTLearn how WooCommerce PCI compliance works on a self-hosted store, how your gateway shapes your SAQ, and how to secure plugins and checkout scripts.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/woocommerce-stores/woocommerce-orders-stuck-on-pending-payment-causes-and-fixes/https://www.mannypay.io/beyond-the-swipe/industries/woocommerce-stores/woocommerce-orders-stuck-on-pending-payment-causes-and-fixes/Wed, 21 Oct 2026 12:00:00 GMTWooCommerce order stuck on pending payment? Learn how to confirm the charge before shipping and fix webhooks, WP-Cron and held stock.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/liquor-stores/wine-club-billing-for-liquor-stores-recurring-charges-done-right/https://www.mannypay.io/beyond-the-swipe/industries/liquor-stores/wine-club-billing-for-liquor-stores-recurring-charges-done-right/Wed, 21 Oct 2026 12:00:00 GMTChoose wine club billing software that ties card-on-file charges to inventory, age checks and renewal rules, and helps reduce declines and chargebacks.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/plumbing/why-a-15-000-sewer-line-payment-got-declined-or-held/https://www.mannypay.io/beyond-the-swipe/industries/plumbing/why-a-15-000-sewer-line-payment-got-declined-or-held/Wed, 21 Oct 2026 12:00:00 GMTLarge plumbing job credit card declined or held? Learn how ticket limits, card limits and keyed-entry flags work, and how to prevent them.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/b2b-wholesale/wholesale-merchant-accounts-approval-with-big-tickets-low-count/https://www.mannypay.io/beyond-the-swipe/industries/b2b-wholesale/wholesale-merchant-accounts-approval-with-big-tickets-low-count/Wed, 21 Oct 2026 12:00:00 GMTGetting a wholesale merchant account with few, large orders? Learn what underwriters check, what to submit and how to set limits that match real orders.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/medical/when-can-a-practice-send-a-patient-bill-to-collections/https://www.mannypay.io/beyond-the-swipe/industries/medical/when-can-a-practice-send-a-patient-bill-to-collections/Wed, 21 Oct 2026 12:00:00 GMTWhen can a doctor send a bill to collections? Get a defensible timeline, credit reporting and state law checks, and steps to recover balances first.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/home-healthcare/when-a-home-care-client-dies-collecting-the-final-invoice/https://www.mannypay.io/beyond-the-swipe/industries/home-healthcare/when-a-home-care-client-dies-collecting-the-final-invoice/Wed, 21 Oct 2026 12:00:00 GMTHandling a home care bill after client death? Learn what to do with cards on file, POA authority, autopay, final invoices and estate creditor claims.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/glossary/what-is-emv-chip-cards-and-the-liability-shift-explained/https://www.mannypay.io/beyond-the-swipe/glossary/what-is-emv-chip-cards-and-the-liability-shift-explained/Wed, 21 Oct 2026 12:00:00 GMTWhat is EMV? Learn how chip cards stop counterfeit fraud, how the EMV liability shift makes swiping costly, and how to check your terminal.Payments Glossary https://www.mannypay.io/beyond-the-swipe/comparisons/what-is-a-pos-system-how-it-works-and-what-it-does/https://www.mannypay.io/beyond-the-swipe/comparisons/what-is-a-pos-system-how-it-works-and-what-it-does/Wed, 21 Oct 2026 12:00:00 GMTWhat is a POS system? Learn how POS hardware, software and payment processing fit together, and how to spot processing lock-in before you sign.Comparisons & Buying Guides https://www.mannypay.io/beyond-the-swipe/high-risk-processing/what-is-a-high-risk-merchant-account-how-it-works-and-who-needs-one/https://www.mannypay.io/beyond-the-swipe/high-risk-processing/what-is-a-high-risk-merchant-account-how-it-works-and-who-needs-one/Wed, 21 Oct 2026 12:00:00 GMTLearn 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.High-Risk Merchant Processing https://www.mannypay.io/beyond-the-swipe/industries/subscriptions/web-vs-app-store-subscriptions-cutting-the-15-30-fee-legally/https://www.mannypay.io/beyond-the-swipe/industries/subscriptions/web-vs-app-store-subscriptions-cutting-the-15-30-fee-legally/Wed, 21 Oct 2026 12:00:00 GMTWeb vs. app store subscriptions: compare commission and processing costs, linking rules, and the refund and chargeback tradeoffs of web billing.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industry-news/visa-direct-adds-stablecoins-faster-payouts-for-sellers-and-vendors/https://www.mannypay.io/beyond-the-swipe/industry-news/visa-direct-adds-stablecoins-faster-payouts-for-sellers-and-vendors/Wed, 21 Oct 2026 12:00:00 GMTHeadlines on Visa Direct stablecoin payouts point to one live feature: USDC prefunding. See what it changes for platforms and what to ask your processor.Payments News https://www.mannypay.io/beyond-the-swipe/chargebacks-fraud-security/visa-chargeback-reason-codes-every-category-explained/https://www.mannypay.io/beyond-the-swipe/chargebacks-fraud-security/visa-chargeback-reason-codes-every-category-explained/Wed, 21 Oct 2026 12:00:00 GMTVisa chargeback reason codes explained by category: what each dispute type claims, the evidence that answers it and how to prevent it.Chargebacks, Fraud & Security https://www.mannypay.io/beyond-the-swipe/industries/nutraceuticals/visa-and-mastercard-registration-rules-for-nutra-trial-offers/https://www.mannypay.io/beyond-the-swipe/industries/nutraceuticals/visa-and-mastercard-registration-rules-for-nutra-trial-offers/Wed, 21 Oct 2026 12:00:00 GMTAsking about Mastercard negative option registration for a nutraceutical trial? Learn what to confirm with your acquirer and the disclosures auditors test.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/vape/vape-flavor-bans-by-state-locking-banned-skus-in-your-pos/https://www.mannypay.io/beyond-the-swipe/industries/vape/vape-flavor-bans-by-state-locking-banned-skus-in-your-pos/Wed, 21 Oct 2026 12:00:00 GMTLearn 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.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/travel/vacation-rental-security-deposit-vs-damage-waiver-which-to-use/https://www.mannypay.io/beyond-the-swipe/industries/travel/vacation-rental-security-deposit-vs-damage-waiver-which-to-use/Wed, 21 Oct 2026 12:00:00 GMTVacation rental security deposit vs damage waiver: compare card holds, refundable deposits and waivers so you recover damage costs without losing bookings.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/travel/vacation-rental-direct-booking-payments-leaving-airbnb-s-checkout/https://www.mannypay.io/beyond-the-swipe/industries/travel/vacation-rental-direct-booking-payments-leaving-airbnb-s-checkout/Wed, 21 Oct 2026 12:00:00 GMTLearn how to set up vacation rental direct booking payment processing, from PMS gateways and deposit schedules to underwriting, taxes and fraud.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/apparel/try-before-you-buy-card-authorizations-for-at-home-clothing-try-on/https://www.mannypay.io/beyond-the-swipe/industries/apparel/try-before-you-buy-card-authorizations-for-at-home-clothing-try-on/Wed, 21 Oct 2026 12:00:00 GMTLearn how try before you buy payment programs work for apparel brands, from authorization holds and delayed capture to charging for unreturned items.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/travel/travel-agent-credit-card-authorization-forms-that-hold-up/https://www.mannypay.io/beyond-the-swipe/industries/travel/travel-agent-credit-card-authorization-forms-that-hold-up/Wed, 21 Oct 2026 12:00:00 GMTLearn what a travel agent credit card authorization form needs, including fields, signatures and secure storage, and why it alone won't win a chargeback.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/tobacco/tobacco-scan-data-programs-earn-altria-and-rjr-payments-via-your-pos/https://www.mannypay.io/beyond-the-swipe/industries/tobacco/tobacco-scan-data-programs-earn-altria-and-rjr-payments-via-your-pos/Wed, 21 Oct 2026 12:00:00 GMTLearn how a tobacco scan data program pays retailers for POS transaction data and buydowns, plus the setup and data-quality steps that keep payments flowing.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/events-ticketing/ticket-chargebacks-after-the-show-using-scan-data-as-proof/https://www.mannypay.io/beyond-the-swipe/industries/events-ticketing/ticket-chargebacks-after-the-show-using-scan-data-as-proof/Wed, 21 Oct 2026 12:00:00 GMTLearn how to use ticket chargeback proof of attendance—scan logs, entry timestamps and delivery records—to fight disputes from buyers who went to the show.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/telehealth/telehealth-refunds-when-the-doctor-denies-the-prescription/https://www.mannypay.io/beyond-the-swipe/industries/telehealth/telehealth-refunds-when-the-doctor-denies-the-prescription/Wed, 21 Oct 2026 12:00:00 GMTPlan your telehealth refund policy for the prescription denied case: compare upfront charging, auth-and-capture and split fees to cut refunds and disputes.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/auto-repair/taking-repair-payments-by-phone-when-someone-else-is-paying/https://www.mannypay.io/beyond-the-swipe/industries/auto-repair/taking-repair-payments-by-phone-when-someone-else-is-paying/Wed, 21 Oct 2026 12:00:00 GMTTaking a credit card over the phone for auto repair? Use this safe workflow for remote payers so a stolen card doesn't leave with the car.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/jet-charter/surcharging-charter-flights-card-fee-rules-and-the-fet-catch/https://www.mannypay.io/beyond-the-swipe/industries/jet-charter/surcharging-charter-flights-card-fee-rules-and-the-fet-catch/Wed, 21 Oct 2026 12:00:00 GMTLearn how a private jet charter credit card surcharge works: network caps, state limits, disclosure, and whether federal excise tax applies to the fee.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/subscriptions/subscription-refund-policy-prorated-partial-or-none/https://www.mannypay.io/beyond-the-swipe/industries/subscriptions/subscription-refund-policy-prorated-partial-or-none/Wed, 21 Oct 2026 12:00:00 GMTBuild a subscription refund policy that fits state law and card network rules, handles annual plans fairly, and holds up in a chargeback.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/merchant-education/subscription-merchant-accounts-getting-approved-for-recurring-billing/https://www.mannypay.io/beyond-the-swipe/merchant-education/subscription-merchant-accounts-getting-approved-for-recurring-billing/Wed, 21 Oct 2026 12:00:00 GMTNeed a subscription merchant account? Learn what underwriters check, from cancellation flow to descriptors, and which recurring billing features to require.Merchant Education & Growth https://www.mannypay.io/beyond-the-swipe/industries/web-design/stripe-vs-paypal-vs-square-for-web-designers-best-setup/https://www.mannypay.io/beyond-the-swipe/industries/web-design/stripe-vs-paypal-vs-square-for-web-designers-best-setup/Wed, 21 Oct 2026 12:00:00 GMTFind the best payment processor for web designers: compare Stripe, PayPal and Square on invoice fees, ACH, payout holds, retainers and integrations.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/low-risk-ecommerce/stripe-radar-rules-for-small-stores-settings-that-stop-fraud/https://www.mannypay.io/beyond-the-swipe/industries/low-risk-ecommerce/stripe-radar-rules-for-small-stores-settings-that-stop-fraud/Wed, 21 Oct 2026 12:00:00 GMTSet up Stripe Radar rules that stop fraud without blocking good buyers: starter block and review rules, lists, backtesting and a faster review routine.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/nutraceuticals/straight-sale-vs-trial-offers-the-nutra-funnel-processors-prefer/https://www.mannypay.io/beyond-the-swipe/industries/nutraceuticals/straight-sale-vs-trial-offers-the-nutra-funnel-processors-prefer/Wed, 21 Oct 2026 12:00:00 GMTStraight sale vs trial offer for nutra brands: compare conversion, chargebacks, reserves and processor appetite to pick a funnel that stays approved.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/health-beauty/splitting-card-tips-between-stylists-colorists-and-assistants/https://www.mannypay.io/beyond-the-swipe/industries/health-beauty/splitting-card-tips-between-stylists-colorists-and-assistants/Wed, 21 Oct 2026 12:00:00 GMTLearn how to split tips between stylists, colorists and assistants on one ticket, with POS settings, tip pooling basics and payroll payout options.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/marketplaces/should-your-marketplace-become-a-payment-facilitator/https://www.mannypay.io/beyond-the-swipe/industries/marketplaces/should-your-marketplace-become-a-payment-facilitator/Wed, 21 Oct 2026 12:00:00 GMTPayFac vs. marketplace explained: how card network rules classify your platform, what a full PayFac costs, and when PayFac-as-a-service fits better.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/shopify-stores/shopify-subscriptions-which-payment-gateways-actually-work/https://www.mannypay.io/beyond-the-swipe/industries/shopify-stores/shopify-subscriptions-which-payment-gateways-actually-work/Wed, 21 Oct 2026 12:00:00 GMTChoosing a Shopify subscriptions payment gateway? Learn which gateways work with subscription apps, how to keep saved cards, and how to cut failed renewals.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/shopify-stores/shopify-payout-schedule-when-your-sales-hit-your-bank/https://www.mannypay.io/beyond-the-swipe/industries/shopify-stores/shopify-payout-schedule-when-your-sales-hit-your-bank/Wed, 21 Oct 2026 12:00:00 GMTUnderstand your Shopify Payments payout schedule, why first payouts take longer, and how refunds, chargebacks, and weekends change what lands in your bank.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/adult/sex-toy-store-merchant-accounts-getting-approved-in-store-and-online/https://www.mannypay.io/beyond-the-swipe/industries/adult/sex-toy-store-merchant-accounts-getting-approved-in-store-and-online/Wed, 21 Oct 2026 12:00:00 GMTGet a sex toy store merchant account approved: how underwriters view novelty retail, what to submit, website fixes, and terms to expect in-store and online.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/boxing-fitness/selling-tickets-for-a-boxing-event-payments-for-fight-promoters/https://www.mannypay.io/beyond-the-swipe/industries/boxing-fitness/selling-tickets-for-a-boxing-event-payments-for-fight-promoters/Wed, 21 Oct 2026 12:00:00 GMTLearn how to sell tickets for a boxing event, from advance sales and fighter allotments to door sales, refunds and why processors hold promoter funds.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/7oh/selling-7-oh-tablets-at-a-gas-station-is-your-card-account-at-risk/https://www.mannypay.io/beyond-the-swipe/industries/7oh/selling-7-oh-tablets-at-a-gas-station-is-your-card-account-at-risk/Wed, 21 Oct 2026 12:00:00 GMTSelling 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.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/grocery/self-checkout-for-small-grocery-stores-costs-shrink-and-setup/https://www.mannypay.io/beyond-the-swipe/industries/grocery/self-checkout-for-small-grocery-stores-costs-shrink-and-setup/Wed, 21 Oct 2026 12:00:00 GMTThinking about self-checkout for a small grocery store? Weigh lane costs, shrink, produce errors, EBT and age checks, and run the ROI before you buy.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/veterinary/scratchpay-vs-carecredit-for-vets-fees-and-client-approval/https://www.mannypay.io/beyond-the-swipe/industries/veterinary/scratchpay-vs-carecredit-for-vets-fees-and-client-approval/Wed, 21 Oct 2026 12:00:00 GMTScratchpay vs. CareCredit for vet clinics: how merchant fees, client approval and payout timing compare, plus how to present financing at the front desk.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/education/school-credit-card-fees-mcc-8211-8220-and-8299-explained/https://www.mannypay.io/beyond-the-swipe/industries/education/school-credit-card-fees-mcc-8211-8220-and-8299-explained/Wed, 21 Oct 2026 12:00:00 GMTLearn how education credit card processing fees work, how MCC 8211, 8220 and 8299 affect interchange, and how to benchmark your school's effective rate.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/cannabis/schedule-iii-rescheduling-what-changes-for-dispensary-payments/https://www.mannypay.io/beyond-the-swipe/industries/cannabis/schedule-iii-rescheduling-what-changes-for-dispensary-payments/Wed, 21 Oct 2026 12:00:00 GMTCannabis rescheduling payment processing explained: what Schedule III could change for dispensaries, like federal taxes, and what it won't fix at checkout.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/salons-spas/salon-tip-screens-suggested-percentages-pre-tax-tips-and-products/https://www.mannypay.io/beyond-the-swipe/industries/salons-spas/salon-tip-screens-suggested-percentages-pre-tax-tips-and-products/Wed, 21 Oct 2026 12:00:00 GMTSet up a salon tip screen clients won't resent: smart default percentages, retail left out of the tip base, pre-tax tips and prepaid visits.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/furniture/sales-tax-on-furniture-delivery-fees-and-out-of-state-orders/https://www.mannypay.io/beyond-the-swipe/industries/furniture/sales-tax-on-furniture-delivery-fees-and-out-of-state-orders/Wed, 21 Oct 2026 12:00:00 GMTLearn when sales tax on furniture delivery charges applies, which rate to use for out-of-state orders, and how to set up your POS correctly.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/filipino-american-businesses/running-a-lumpia-fundraiser-preorders-payments-and-pickup/https://www.mannypay.io/beyond-the-swipe/industries/filipino-american-businesses/running-a-lumpia-fundraiser-preorders-payments-and-pickup/Wed, 21 Oct 2026 12:00:00 GMTPlan a lumpia fundraiser that runs on paid preorders: build an order form, price by the dozen, set cutoffs, run pickup day and reconcile every dollar.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/7oh/ringing-7-oh-as-herbal-supplements-the-miscoding-risk/https://www.mannypay.io/beyond-the-swipe/industries/7oh/ringing-7-oh-as-herbal-supplements-the-miscoding-risk/Wed, 21 Oct 2026 12:00:00 GMT7-OH transaction laundering can end your card acceptance. Learn how processors detect miscoded sales and how to disclose 7-OH the right way.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/retail/retail-credit-card-fraud-spotting-stolen-cards-at-the-register/https://www.mannypay.io/beyond-the-swipe/industries/retail/retail-credit-card-fraud-spotting-stolen-cards-at-the-register/Wed, 21 Oct 2026 12:00:00 GMTRetail credit card fraud prevention for your counter: red flags, gift card scams, keyed-entry risks, staff scripts and POS settings that stop stolen cards.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/restaurants/restaurant-sales-tax-on-takeout-delivery-fees-and-to-go-orders/https://www.mannypay.io/beyond-the-swipe/industries/restaurants/restaurant-sales-tax-on-takeout-delivery-fees-and-to-go-orders/Wed, 21 Oct 2026 12:00:00 GMTLearn how restaurant sales tax on takeout works, when delivery fees and service charges are taxable, and how to set up your POS to tax orders correctly.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/professional-services/refunding-an-unearned-retainer-card-check-or-trust-transfer/https://www.mannypay.io/beyond-the-swipe/industries/professional-services/refunding-an-unearned-retainer-card-check-or-trust-transfer/Wed, 21 Oct 2026 12:00:00 GMTLearn how to refund unearned retainer funds when a client paid by card: network rules, trust account mechanics, and when a check is the safer route.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/car-dealerships/refundable-deposits-to-hold-a-car-policies-laws-and-disputes/https://www.mannypay.io/beyond-the-swipe/industries/car-dealerships/refundable-deposits-to-hold-a-car-policies-laws-and-disputes/Wed, 21 Oct 2026 12:00:00 GMTTaking a deposit to hold a car at dealership? Learn refund rules, deposit agreement language, and records that help you avoid disputes and chargebacks.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/mannypay-solutions/recurring-billing-software-how-to-choose-the-right-one/https://www.mannypay.io/beyond-the-swipe/mannypay-solutions/recurring-billing-software-how-to-choose-the-right-one/Wed, 21 Oct 2026 12:00:00 GMTCompare recurring billing software on what matters: retries, card updaters, proration, self-service and integrations that cut churn and admin time.MannyPay Products & Solutions https://www.mannypay.io/beyond-the-swipe/industries/nonprofits/recording-donation-processing-fees-gross-vs-net-in-your-books/https://www.mannypay.io/beyond-the-swipe/industries/nonprofits/recording-donation-processing-fees-gross-vs-net-in-your-books/Wed, 21 Oct 2026 12:00:00 GMTLearn how to record donation processing fees at gross, book fees as expenses, track donor-covered fees, and reconcile Stripe and PayPal payouts.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/restaurants/reconciling-doordash-uber-eats-and-grubhub-payouts-to-your-pos/https://www.mannypay.io/beyond-the-swipe/industries/restaurants/reconciling-doordash-uber-eats-and-grubhub-payouts-to-your-pos/Wed, 21 Oct 2026 12:00:00 GMTLearn how to reconcile DoorDash payouts, plus Uber Eats and Grubhub deposits, to your POS so you catch missing money, error charges, and unapproved refunds.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/peptides/processor-dropped-your-peptide-store-getting-held-funds-back/https://www.mannypay.io/beyond-the-swipe/industries/peptides/processor-dropped-your-peptide-store-getting-held-funds-back/Wed, 21 Oct 2026 12:00:00 GMTPeptide merchant account terminated? Learn how holds work, how to handle refunds and open orders, and how to request a reserve release step by step.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/health-beauty/prepaid-laser-and-facial-packages-refunds-and-chargebacks/https://www.mannypay.io/beyond-the-swipe/industries/health-beauty/prepaid-laser-and-facial-packages-refunds-and-chargebacks/Wed, 21 Oct 2026 12:00:00 GMTSet laser hair removal package refund terms, session logs and refund math that keep clients who quit midway from becoming lost chargebacks.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/retail/pop-up-shop-payments-card-readers-for-markets-and-craft-fairs/https://www.mannypay.io/beyond-the-swipe/industries/retail/pop-up-shop-payments-card-readers-for-markets-and-craft-fairs/Wed, 21 Oct 2026 12:00:00 GMTPop-up shop payment processing guide: choose a card reader that syncs with your store POS, stays connected at markets and keeps inventory accurate.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/merchant-education/points-punch-cards-or-tiers-picking-the-right-loyalty-model/https://www.mannypay.io/beyond-the-swipe/merchant-education/points-punch-cards-or-tiers-picking-the-right-loyalty-model/Wed, 21 Oct 2026 12:00:00 GMTCompare the main types of loyalty programs, from punch cards to points, tiers and paid memberships, and match each model to how your customers buy.Merchant Education & Growth https://www.mannypay.io/beyond-the-swipe/industries/veterinary/pet-insurance-direct-pay-getting-paid-by-trupanion-and-others/https://www.mannypay.io/beyond-the-swipe/industries/veterinary/pet-insurance-direct-pay-getting-paid-by-trupanion-and-others/Wed, 21 Oct 2026 12:00:00 GMTLearn how pet insurance direct pay to vet works at checkout: splitting insurer and client portions, reconciling deposits, and handling denied claims.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/web-design/pci-compliance-for-web-developers-who-s-liable-for-client-checkouts/https://www.mannypay.io/beyond-the-swipe/industries/web-design/pci-compliance-for-web-developers-who-s-liable-for-client-checkouts/Wed, 21 Oct 2026 12:00:00 GMTPCI compliance for web developers explained: where agency responsibility ends, how build choices shift scope, and contract terms that limit liability.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/filipino-entrepreneurs/payment-processing-for-home-care-agencies-a-practical-guide/https://www.mannypay.io/beyond-the-swipe/filipino-entrepreneurs/payment-processing-for-home-care-agencies-a-practical-guide/Wed, 21 Oct 2026 12:00:00 GMTSet up payment processing for home care agencies: recurring card and ACH billing, family payers and private payment records that protect clients.Filipino Businesses & Entrepreneurs https://www.mannypay.io/beyond-the-swipe/industries/low-risk-ecommerce/pay-by-bank-at-checkout-adding-ach-to-cut-online-card-fees/https://www.mannypay.io/beyond-the-swipe/industries/low-risk-ecommerce/pay-by-bank-at-checkout-adding-ach-to-cut-online-card-fees/Wed, 21 Oct 2026 12:00:00 GMTLearn how to accept ACH payments in your online store, compare bank and card costs, manage return risk and decide when pay by bank is worth offering.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/digital-products/patreon-vs-ko-fi-vs-buy-me-a-coffee-what-creators-actually-keep/https://www.mannypay.io/beyond-the-swipe/industries/digital-products/patreon-vs-ko-fi-vs-buy-me-a-coffee-what-creators-actually-keep/Wed, 21 Oct 2026 12:00:00 GMTCompare Patreon vs. Ko-fi fees and Buy Me a Coffee costs, from platform cuts to payouts and iOS billing, and learn when your own checkout pays off.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/restaurants/opening-a-restaurant-getting-your-merchant-account-approved-fast/https://www.mannypay.io/beyond-the-swipe/industries/restaurants/opening-a-restaurant-getting-your-merchant-account-approved-fast/Wed, 21 Oct 2026 12:00:00 GMTPlan your merchant account for new restaurant opening day: what underwriters want, how to limit reserves, and when to order and test hardware.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/telehealth/online-pharmacy-fraud-stolen-cards-buying-glp-1s-and-rx-drugs/https://www.mannypay.io/beyond-the-swipe/industries/telehealth/online-pharmacy-fraud-stolen-cards-buying-glp-1s-and-rx-drugs/Wed, 21 Oct 2026 12:00:00 GMTOnline pharmacy fraud prevention for telehealth: spot fake patients, reshippers and stolen cards on GLP-1 orders without blocking real patients.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/jewelry/online-jewelry-fraud-stopping-stolen-cards-on-diamonds-and-watches/https://www.mannypay.io/beyond-the-swipe/industries/jewelry/online-jewelry-fraud-stopping-stolen-cards-on-diamonds-and-watches/Wed, 21 Oct 2026 12:00:00 GMTLearn online jewelry store fraud prevention: spot reshippers and rush orders, use 3D Secure and AVS, and review high-value pieces before you ship.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/furniture/online-furniture-fraud-stopping-big-ticket-orders-with-stolen-cards/https://www.mannypay.io/beyond-the-swipe/industries/furniture/online-furniture-fraud-stopping-big-ticket-orders-with-stolen-cards/Wed, 21 Oct 2026 12:00:00 GMTOnline furniture store fraud prevention guide: spot reshipper addresses, rush delivery requests and stolen-card orders before you release freight.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/moving/online-booking-for-movers-instant-quotes-and-card-on-file/https://www.mannypay.io/beyond-the-swipe/industries/moving/online-booking-for-movers-instant-quotes-and-card-on-file/Wed, 21 Oct 2026 12:00:00 GMTSet up moving company online booking payment the right way: deposits, saved cards, consent language and fraud settings that turn quotes into booked moves.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/food-trucks/offline-card-payments-on-a-food-truck-limits-that-prevent-losses/https://www.mannypay.io/beyond-the-swipe/industries/food-trucks/offline-card-payments-on-a-food-truck-limits-that-prevent-losses/Wed, 21 Oct 2026 12:00:00 GMTUnderstand store and forward credit card risk on your food truck and set per-sale and total offline limits that cap losses from declined sales.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/rates-and-fees/non-qualified-rates-how-tiered-pricing-downgrades-cost-you/https://www.mannypay.io/beyond-the-swipe/rates-and-fees/non-qualified-rates-how-tiered-pricing-downgrades-cost-you/Wed, 21 Oct 2026 12:00:00 GMTLearn how a non-qualified credit card rate gets triggered under tiered pricing, how to calculate what downgrades cost you, and how to stop overpaying.Rates, Fees & Savings https://www.mannypay.io/beyond-the-swipe/industries/ecommerce/new-online-store-no-sales-history-how-to-get-a-merchant-account/https://www.mannypay.io/beyond-the-swipe/industries/ecommerce/new-online-store-no-sales-history-how-to-get-a-merchant-account/Wed, 21 Oct 2026 12:00:00 GMTGetting a merchant account for a new online business? 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Learn the verification, moderation, payout and reserve rules acquirers check before onboarding.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/kratom/kratom-chargebacks-winning-not-received-and-unknown-charges/https://www.mannypay.io/beyond-the-swipe/industries/kratom/kratom-chargebacks-winning-not-received-and-unknown-charges/Wed, 21 Oct 2026 12:00:00 GMTLearn how to fight kratom chargebacks for missing packages and unrecognized charges, build evidence that wins, and keep your dispute ratio in check.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/locations/california/is-credit-card-surcharging-legal-in-california-in-2025/https://www.mannypay.io/beyond-the-swipe/locations/california/is-credit-card-surcharging-legal-in-california-in-2025/Wed, 21 Oct 2026 12:00:00 GMTIs credit card surcharging legal in California? Learn what Civil Code 1748.1, Italian Colors and SB 478 mean for card fees and safer ways to offset costs.Local Payment Guides https://www.mannypay.io/beyond-the-swipe/payment-processing/international-chargebacks-how-to-win-disputes-from-abroad/https://www.mannypay.io/beyond-the-swipe/payment-processing/international-chargebacks-how-to-win-disputes-from-abroad/Wed, 21 Oct 2026 12:00:00 GMTLearn how international chargebacks differ, from currency conversion losses to foreign issuers and shipping proof, and build evidence that wins disputes.Payment Processing Fundamentals https://www.mannypay.io/beyond-the-swipe/industry-news/intermarch-breach-hits-300k-shoppers-a-notification-checklist/https://www.mannypay.io/beyond-the-swipe/industry-news/intermarch-breach-hits-300k-shoppers-a-notification-checklist/Wed, 21 Oct 2026 12:00:00 GMTWhat the Intermarché data breach teaches U.S. merchants: a 72-hour checklist to contain an incident, meet notice duties and protect customers.Payments News https://www.mannypay.io/beyond-the-swipe/industry-news/illinois-swipe-fee-law-appeal-what-merchants-should-do-now/https://www.mannypay.io/beyond-the-swipe/industry-news/illinois-swipe-fee-law-appeal-what-merchants-should-do-now/Wed, 21 Oct 2026 12:00:00 GMTThe Illinois Interchange Fee Prohibition Act appeal keeps tax-and-tip swipe fee relief on hold. Learn who is exempt and how to plan your pricing now.Payments News https://www.mannypay.io/beyond-the-swipe/industries/food-trucks/how-to-speed-up-a-food-truck-line-at-the-payment-window/https://www.mannypay.io/beyond-the-swipe/industries/food-trucks/how-to-speed-up-a-food-truck-line-at-the-payment-window/Wed, 21 Oct 2026 12:00:00 GMTLearn how to speed up a food truck line with tap-to-pay, line-busting handhelds, leaner POS menus, and tip settings that cut seconds from every order.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/dropshipping/how-to-pay-dropshipping-suppliers-cards-payoneer-wise-or-wire/https://www.mannypay.io/beyond-the-swipe/industries/dropshipping/how-to-pay-dropshipping-suppliers-cards-payoneer-wise-or-wire/Wed, 21 Oct 2026 12:00:00 GMTLearn how to pay dropshipping suppliers by card, Payoneer, Wise, PingPong, or wire, and compare FX, wire, and card costs to protect your margins.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/shopify-stores/how-to-hide-or-reorder-payment-methods-at-shopify-checkout/https://www.mannypay.io/beyond-the-swipe/industries/shopify-stores/how-to-hide-or-reorder-payment-methods-at-shopify-checkout/Wed, 21 Oct 2026 12:00:00 GMTLearn how to hide payment methods in Shopify checkout by cart value, country or customer tag, and test rules so you cut risk without losing sales.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/hotels/how-to-charge-ota-virtual-cards-from-expedia-and-booking-com/https://www.mannypay.io/beyond-the-swipe/industries/hotels/how-to-charge-ota-virtual-cards-from-expedia-and-booking-com/Wed, 21 Oct 2026 12:00:00 GMTLearn when to charge a hotel virtual credit card from Expedia or Booking.com, why OTA cards decline, and how to manage fees and reconcile payouts.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/education/how-to-bill-tutoring-clients-packages-monthly-plans-or-per-session/https://www.mannypay.io/beyond-the-swipe/industries/education/how-to-bill-tutoring-clients-packages-monthly-plans-or-per-session/Wed, 21 Oct 2026 12:00:00 GMTLearn how to bill tutoring clients with per-session rates, prepaid packages or monthly plans, and how each affects no-shows, refunds and cash flow.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/grocery/how-to-become-a-wic-vendor-and-accept-ewic-payments/https://www.mannypay.io/beyond-the-swipe/industries/grocery/how-to-become-a-wic-vendor-and-accept-ewic-payments/Wed, 21 Oct 2026 12:00:00 GMTLearn how to accept WIC at a grocery store: state vendor applications, stocking rules, the eWIC Approved Product List and POS setup that stops failed sales.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/grocery/how-to-accept-snap-ebt-online-for-grocery-pickup-and-delivery/https://www.mannypay.io/beyond-the-swipe/industries/grocery/how-to-accept-snap-ebt-online-for-grocery-pickup-and-delivery/Wed, 21 Oct 2026 12:00:00 GMTLearn how to accept EBT online for grocery pickup and delivery: FNS approval, choosing a processor, split tender and handling delivery fees.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/hotels/hotel-third-party-credit-card-authorization-forms-fraud-proof-setup/https://www.mannypay.io/beyond-the-swipe/industries/hotels/hotel-third-party-credit-card-authorization-forms-fraud-proof-setup/Wed, 21 Oct 2026 12:00:00 GMTLearn what a hotel credit card authorization form must include, how to verify third-party cardholders, and safer options that reduce booking fraud.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/hotels/hotel-credit-card-fraud-spotting-bad-bookings-before-arrival/https://www.mannypay.io/beyond-the-swipe/industries/hotels/hotel-credit-card-fraud-spotting-bad-bookings-before-arrival/Wed, 21 Oct 2026 12:00:00 GMTHotel credit card fraud prevention guide: red flags on direct, phone and third-party bookings, plus front-desk checks that help stop fraud before check-in.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/home-healthcare/home-care-software-payments-wellsky-axiscare-alayacare/https://www.mannypay.io/beyond-the-swipe/industries/home-healthcare/home-care-software-payments-wellsky-axiscare-alayacare/Wed, 21 Oct 2026 12:00:00 GMTCompare home care software payment integration options in WellSky, AxisCare and AlayaCare, spot bundled-rate costs and switch processors safely.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/nutraceuticals/health-claims-that-get-supplement-merchant-accounts-shut-down/https://www.mannypay.io/beyond-the-swipe/industries/nutraceuticals/health-claims-that-get-supplement-merchant-accounts-shut-down/Wed, 21 Oct 2026 12:00:00 GMTLearn which supplement health claims payment processor reviewers flag, from "cures" to weight-loss guarantees, and how to rewrite them compliantly.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industry-news/halloween-swipe-fees-hit-320m-holiday-pricing-moves-for-merchants/https://www.mannypay.io/beyond-the-swipe/industry-news/halloween-swipe-fees-hit-320m-holiday-pricing-moves-for-merchants/Wed, 21 Oct 2026 12:00:00 GMTHalloween swipe fees will top $318 million, a merchant group estimates. Learn how to figure your own holiday card costs and lower them before Black Friday.Payments News https://www.mannypay.io/beyond-the-swipe/industries/salons-spas/hair-extension-and-color-correction-deposits-protect-your-product/https://www.mannypay.io/beyond-the-swipe/industries/salons-spas/hair-extension-and-color-correction-deposits-protect-your-product/Wed, 21 Oct 2026 12:00:00 GMTLearn how to size a hair extension deposit, write non-refundable terms that hold up in a dispute, and apply deposits at checkout for color corrections.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/gyms-martial-arts/gym-pro-shop-pos-selling-gloves-gear-and-shakes-at-the-desk/https://www.mannypay.io/beyond-the-swipe/industries/gyms-martial-arts/gym-pro-shop-pos-selling-gloves-gear-and-shakes-at-the-desk/Wed, 21 Oct 2026 12:00:00 GMTSet up a gym pro shop POS that sells gloves, apparel, supplements and shakes alongside dues, with member pricing, charge-to-account and sized inventory.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/firearms/gun-store-merchant-account-terminated-recovering-held-funds/https://www.mannypay.io/beyond-the-swipe/industries/firearms/gun-store-merchant-account-terminated-recovering-held-funds/Wed, 21 Oct 2026 12:00:00 GMTGun store merchant account terminated? Learn how to read the notice, get held funds released, keep selling, and apply with a firearms-friendly processor.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/food-trucks/food-truck-online-ordering-preorders-when-your-location-changes/https://www.mannypay.io/beyond-the-swipe/industries/food-trucks/food-truck-online-ordering-preorders-when-your-location-changes/Wed, 21 Oct 2026 12:00:00 GMTSet up food truck online ordering that ties preorders to today's stop and pickup window, with throttling, refund rules and fees that fit a two-person crew.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/firearms/firearm-waiting-periods-when-to-charge-and-when-to-refund/https://www.mannypay.io/beyond-the-swipe/industries/firearms/firearm-waiting-periods-when-to-charge-and-when-to-refund/Wed, 21 Oct 2026 12:00:00 GMTFirearm waiting period payment guide for gun dealers: when to charge, how to hold guns, and how to handle refunds, no-shows, and chargebacks.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/filipino-american-businesses/filipino-grocery-card-fees-rice-sacks-imports-and-thin-margins/https://www.mannypay.io/beyond-the-swipe/industries/filipino-american-businesses/filipino-grocery-card-fees-rice-sacks-imports-and-thin-margins/Wed, 21 Oct 2026 12:00:00 GMTFilipino grocery store credit card fees eat into thin import margins. Learn how MCC 5411 interchange works, card minimum rules and where to cut costs.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/jet-charter/federal-excise-tax-on-charter-flights-collecting-fet-right/https://www.mannypay.io/beyond-the-swipe/industries/jet-charter/federal-excise-tax-on-charter-flights-collecting-fet-right/Wed, 21 Oct 2026 12:00:00 GMTFederal excise tax on private jet charter, explained: which flights are taxable, how to show FET on invoices and card charges, and who remits to the IRS.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/vape/fda-disposable-vape-crackdown-what-it-means-for-your-processor/https://www.mannypay.io/beyond-the-swipe/industries/vape/fda-disposable-vape-crackdown-what-it-means-for-your-processor/Wed, 21 Oct 2026 12:00:00 GMTFDA unauthorized disposable vapes put vape shop merchant accounts at risk. Learn how processors audit catalogs and what documents protect your account.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/professional-services/engagement-letter-payment-terms-that-prevent-fee-disputes/https://www.mannypay.io/beyond-the-swipe/industries/professional-services/engagement-letter-payment-terms-that-prevent-fee-disputes/Wed, 21 Oct 2026 12:00:00 GMTEngagement letter payment terms that help you win chargebacks: card-on-file consent, billing increments, dispute windows and work-stoppage rights.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/nonprofits/donor-wants-their-gift-back-refunds-and-donation-chargebacks/https://www.mannypay.io/beyond-the-swipe/industries/nonprofits/donor-wants-their-gift-back-refunds-and-donation-chargebacks/Wed, 21 Oct 2026 12:00:00 GMTBuild a nonprofit donation refund policy that handles duplicate gifts, recurring mistakes, tax receipts, restricted funds and donation chargebacks.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/b2b-wholesale/do-business-cards-have-chargeback-rights-b2b-dispute-rules/https://www.mannypay.io/beyond-the-swipe/industries/b2b-wholesale/do-business-cards-have-chargeback-rights-b2b-dispute-rules/Wed, 21 Oct 2026 12:00:00 GMTBusiness cards carry real dispute rights. Learn how a B2B chargeback works and which documents help wholesalers win quality and delivery disputes.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/cannabis/dispensary-cash-management-safes-counting-and-armored-pickup/https://www.mannypay.io/beyond-the-swipe/industries/cannabis/dispensary-cash-management-safes-counting-and-armored-pickup/Wed, 21 Oct 2026 12:00:00 GMTBuild a dispensary cash management workflow: drawer limits, smart safes, counting, armored pickup, cost drivers and the security rules regulators inspect.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/medical/dental-chargebacks-when-patients-dispute-crowns-and-implants/https://www.mannypay.io/beyond-the-swipe/industries/medical/dental-chargebacks-when-patients-dispute-crowns-and-implants/Wed, 21 Oct 2026 12:00:00 GMTFacing a dental chargeback on a crown or implant? Learn which records win disputes, how to share proof without oversharing PHI, and when to refund.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/jewelry/custom-engagement-ring-deposits-payment-terms-that-protect-you/https://www.mannypay.io/beyond-the-swipe/industries/jewelry/custom-engagement-ring-deposits-payment-terms-that-protect-you/Wed, 21 Oct 2026 12:00:00 GMTBuild a custom jewelry deposit policy tied to CAD approval, stone purchase and casting so you're paid before metal is poured or a stone is set.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/apparel/custom-apparel-invoicing-getting-paid-on-team-and-school-orders/https://www.mannypay.io/beyond-the-swipe/industries/apparel/custom-apparel-invoicing-getting-paid-on-team-and-school-orders/Wed, 21 Oct 2026 12:00:00 GMTCustom apparel invoicing tips for screen printers: collect deposits, run team stores, work with school POs and net terms, and handle misprint disputes.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/liquor-stores/credit-card-surcharges-and-cash-discounts-for-liquor-stores/https://www.mannypay.io/beyond-the-swipe/industries/liquor-stores/credit-card-surcharges-and-cash-discounts-for-liquor-stores/Wed, 21 Oct 2026 12:00:00 GMTThinking about a liquor store cash discount program? 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Compare connectivity, battery life and total cost to match hardware to where you get paid.Comparisons & Buying Guides https://www.mannypay.io/beyond-the-swipe/industries/contractors/contractor-credit-card-processing-fees-what-remodelers-should-pay/https://www.mannypay.io/beyond-the-swipe/industries/contractors/contractor-credit-card-processing-fees-what-remodelers-should-pay/Wed, 21 Oct 2026 12:00:00 GMTLearn how contractor credit card processing fees add up on big remodel invoices, and how MCC codes, entry method and pricing model change what you pay.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/contractors/construction-change-orders-getting-paid-for-extra-work/https://www.mannypay.io/beyond-the-swipe/industries/contractors/construction-change-orders-getting-paid-for-extra-work/Wed, 21 Oct 2026 12:00:00 GMTLearn a signed-before-work construction change order payment workflow that collects at approval and keeps extras from becoming final-walkthrough disputes.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/medical/collecting-patient-deductibles-before-surgery-without-losing-cases/https://www.mannypay.io/beyond-the-swipe/industries/medical/collecting-patient-deductibles-before-surgery-without-losing-cases/Wed, 21 Oct 2026 12:00:00 GMTA practical guide to collecting patient deductibles before surgery: benefit checks, estimates, scripts, payment links and refunds that keep cases booked.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/tobacco/cigarette-minimum-price-laws-setting-legal-prices-in-your-pos/https://www.mannypay.io/beyond-the-swipe/industries/tobacco/cigarette-minimum-price-laws-setting-legal-prices-in-your-pos/Wed, 21 Oct 2026 12:00:00 GMTLearn how cigarette minimum price laws, excise stamps and coupon bans affect checkout, and how to set POS price floors that keep promotions legal.Industry Payment Guides 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https://www.mannypay.io/beyond-the-swipe/industries/cbd/cbd-certificates-of-analysis-the-lab-docs-processors-demand/https://www.mannypay.io/beyond-the-swipe/industries/cbd/cbd-certificates-of-analysis-the-lab-docs-processors-demand/Wed, 21 Oct 2026 12:00:00 GMTLearn the CBD certificate of analysis requirements underwriters check, from batch matching to total THC math, so your files are ready for review.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/subscriptions/car-wash-unlimited-memberships-lpr-rfid-and-recurring-billing/https://www.mannypay.io/beyond-the-swipe/industries/subscriptions/car-wash-unlimited-memberships-lpr-rfid-and-recurring-billing/Wed, 21 Oct 2026 12:00:00 GMTCar wash membership billing explained: sign members up at the pay station, choose LPR or RFID, handle failed renewals and prevent cancellation chargebacks.Industry Payment Guides 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See the proportional math, how to check state limits and tip timing questions to ask before you deduct.Merchant Education & Growth https://www.mannypay.io/beyond-the-swipe/industries/tobacco/can-you-buy-cigarettes-with-ebt-rules-every-tobacco-seller-must-know/https://www.mannypay.io/beyond-the-swipe/industries/tobacco/can-you-buy-cigarettes-with-ebt-rules-every-tobacco-seller-must-know/Wed, 21 Oct 2026 12:00:00 GMTCan you buy cigarettes with EBT? Learn how SNAP and cash benefits differ for tobacco, why state rules matter and how to block EBT tender in your POS.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/health-beauty/can-salons-deduct-card-fees-from-stylist-commissions/https://www.mannypay.io/beyond-the-swipe/industries/health-beauty/can-salons-deduct-card-fees-from-stylist-commissions/Wed, 21 Oct 2026 12:00:00 GMTCan salons deduct credit card fees from commission? Learn when netting out card and back-bar costs is legal and where wage laws draw the line.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/home-healthcare/can-home-care-agencies-add-a-credit-card-surcharge/https://www.mannypay.io/beyond-the-swipe/industries/home-healthcare/can-home-care-agencies-add-a-credit-card-surcharge/Wed, 21 Oct 2026 12:00:00 GMTLearn how a home care credit card surcharge works, where it's restricted, why debit and HSA cards are excluded, and how to disclose fees to families.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/contractors/can-contractors-charge-a-credit-card-fee-on-progress-invoices/https://www.mannypay.io/beyond-the-swipe/industries/contractors/can-contractors-charge-a-credit-card-fee-on-progress-invoices/Wed, 21 Oct 2026 12:00:00 GMTCan contractors charge credit card fees on draw invoices? Learn how surcharge caps, state limits, debit rules and contract disclosures apply.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/apparel/buying-used-clothes-from-customers-cash-store-credit-or-payout/https://www.mannypay.io/beyond-the-swipe/industries/apparel/buying-used-clothes-from-customers-cash-store-credit-or-payout/Wed, 21 Oct 2026 12:00:00 GMTLearn how to pay customers for used clothes with cash, store credit or digital payouts, plus the recordkeeping and fraud controls your buy counter needs.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/jewelry/buying-gold-from-the-public-payout-methods-and-dealer-laws/https://www.mannypay.io/beyond-the-swipe/industries/jewelry/buying-gold-from-the-public-payout-methods-and-dealer-laws/Wed, 21 Oct 2026 12:00:00 GMTLearn the buying gold from customers laws jewelers face, including licensing, ID, hold periods and reporting, and how to pay sellers by cash, check or payout.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/retail/buy-online-pick-up-in-store-setting-up-bopis-payments/https://www.mannypay.io/beyond-the-swipe/industries/retail/buy-online-pick-up-in-store-setting-up-bopis-payments/Wed, 21 Oct 2026 12:00:00 GMTSet up buy online, pick up in store payment the right way: pay online vs. at pickup, verifying who collects, and stopping fraud on pickup orders.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/payment-processing/buy-now-pay-later-for-merchants-costs-providers-and-fit/https://www.mannypay.io/beyond-the-swipe/payment-processing/buy-now-pay-later-for-merchants-costs-providers-and-fit/Wed, 21 Oct 2026 12:00:00 GMTBuy now pay later for merchants explained: how BNPL merchant fees compare to cards, how Affirm, Klarna, Afterpay and PayPal differ, and when it pays off.Payment Processing Fundamentals https://www.mannypay.io/beyond-the-swipe/merchant-education/business-line-of-credit-vs-term-loan-which-fits-your-need/https://www.mannypay.io/beyond-the-swipe/merchant-education/business-line-of-credit-vs-term-loan-which-fits-your-need/Wed, 21 Oct 2026 12:00:00 GMTBusiness line of credit vs term loan: match each to real needs like inventory swings, equipment buys and payroll gaps, and learn the costs and fine print.Merchant Education & Growth https://www.mannypay.io/beyond-the-swipe/industries/plumbing/burst-pipe-insurance-claims-how-plumbers-get-paid-on-water-damage-jobs/https://www.mannypay.io/beyond-the-swipe/industries/plumbing/burst-pipe-insurance-claims-how-plumbers-get-paid-on-water-damage-jobs/Wed, 21 Oct 2026 12:00:00 GMTLearn how plumber insurance claim payment really works on burst-pipe jobs, and how to collect from homeowners upfront instead of waiting on adjusters.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/web-design/building-a-client-s-checkout-whose-merchant-account-should-it-be/https://www.mannypay.io/beyond-the-swipe/industries/web-design/building-a-client-s-checkout-whose-merchant-account-should-it-be/Wed, 21 Oct 2026 12:00:00 GMTSetting up a payment gateway for a client website? Learn why the client should own the merchant account and how to hand off keys, access and records.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/events-ticketing/box-office-and-gate-card-readers-fast-entry-without-wi-fi/https://www.mannypay.io/beyond-the-swipe/industries/events-ticketing/box-office-and-gate-card-readers-fast-entry-without-wi-fi/Wed, 21 Oct 2026 12:00:00 GMTChoose a box office POS system and gate card readers that keep walk-up sales, will-call and scanning moving when venue Wi-Fi and cellular networks jam.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/salons-spas/booth-renters-running-cards-on-the-salon-s-terminal-the-risks/https://www.mannypay.io/beyond-the-swipe/industries/salons-spas/booth-renters-running-cards-on-the-salon-s-terminal-the-risks/Wed, 21 Oct 2026 12:00:00 GMTBooth renter credit card processing on your salon's account creates 1099-K, chargeback and misclassification risk. Learn how to separate payments.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/peptides/best-woocommerce-payment-gateways-for-peptide-stores/https://www.mannypay.io/beyond-the-swipe/industries/peptides/best-woocommerce-payment-gateways-for-peptide-stores/Wed, 21 Oct 2026 12:00:00 GMTChoosing a peptide payment gateway for WooCommerce? Compare NMI and Authorize.net, key fraud and 3DS features, ACH options and the questions to ask first.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/kratom/best-woocommerce-payment-gateways-for-kratom-stores/https://www.mannypay.io/beyond-the-swipe/industries/kratom/best-woocommerce-payment-gateways-for-kratom-stores/Wed, 21 Oct 2026 12:00:00 GMTChoosing 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.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/veterinary/best-credit-card-terminals-for-vet-clinics-and-curbside-checkout/https://www.mannypay.io/beyond-the-swipe/industries/veterinary/best-credit-card-terminals-for-vet-clinics-and-curbside-checkout/Wed, 21 Oct 2026 12:00:00 GMTFind the best credit card terminal for veterinary clinic workflows: front desk, exam room, curbside and text-to-pay setups, plus a buying checklist.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/dropshipping/best-business-credit-cards-for-dropshipping-cash-flow/https://www.mannypay.io/beyond-the-swipe/industries/dropshipping/best-business-credit-cards-for-dropshipping-cash-flow/Wed, 21 Oct 2026 12:00:00 GMTFind the best credit card for dropshipping: compare limits, float days, FX fees and rewards so ad and supplier bills don't outrun your payouts.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/gyms-martial-arts/belt-testing-fees-how-martial-arts-schools-collect-them-smoothly/https://www.mannypay.io/beyond-the-swipe/industries/gyms-martial-arts/belt-testing-fees-how-martial-arts-schools-collect-them-smoothly/Wed, 21 Oct 2026 12:00:00 GMTLearn how to collect a martial arts belt testing fee separately, online or bundled into tuition, plus refund and no-show rules that prevent disputes.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/ecommerce/avs-and-cvv-settings-which-mismatches-your-store-should-decline/https://www.mannypay.io/beyond-the-swipe/industries/ecommerce/avs-and-cvv-settings-which-mismatches-your-store-should-decline/Wed, 21 Oct 2026 12:00:00 GMTSet AVS mismatch settings and CVV rules that block card fraud without rejecting good customers. Learn what each code means and which to decline.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/merchant-education/average-checkout-conversion-rate-benchmarks-and-how-to-beat-them/https://www.mannypay.io/beyond-the-swipe/merchant-education/average-checkout-conversion-rate-benchmarks-and-how-to-beat-them/Wed, 21 Oct 2026 12:00:00 GMTLearn what the average checkout conversion rate really measures, how to track each funnel step, and where payment-step losses hide in your online store.Merchant Education & Growth https://www.mannypay.io/beyond-the-swipe/industries/digital-products/automatic-digital-delivery-sending-files-and-keys-after-payment/https://www.mannypay.io/beyond-the-swipe/industries/digital-products/automatic-digital-delivery-sending-files-and-keys-after-payment/Wed, 21 Oct 2026 12:00:00 GMTSet up automatic digital delivery after payment with webhooks, expiring links and license keys, and keep delivery logs that help you fight chargebacks.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/auto-repair/auto-repair-chargebacks-when-customers-say-the-fix-didn-t-work/https://www.mannypay.io/beyond-the-swipe/industries/auto-repair/auto-repair-chargebacks-when-customers-say-the-fix-didn-t-work/Wed, 21 Oct 2026 12:00:00 GMTFacing an auto repair chargeback? Learn which evidence wins repair disputes, from signed ROs to DVI photos, and how comeback policies prevent filings.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/liquor-stores/alcohol-delivery-payments-id-at-the-door-and-fewer-disputes/https://www.mannypay.io/beyond-the-swipe/industries/liquor-stores/alcohol-delivery-payments-id-at-the-door-and-fewer-disputes/Wed, 21 Oct 2026 12:00:00 GMTAlcohol delivery ID verification, refused handoffs and "not received" chargebacks: a practical payment workflow that protects your license and revenue.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/adult/adult-site-trials-and-rebills-card-rules-that-keep-you-live/https://www.mannypay.io/beyond-the-swipe/industries/adult/adult-site-trials-and-rebills-card-rules-that-keep-you-live/Wed, 21 Oct 2026 12:00:00 GMTLearn the adult website free trial rules card networks enforce, from join-page disclosures to rebill reminders and cross-sells, so your account stays live.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/nonprofits/ach-donations-cutting-fees-on-monthly-gifts-with-bank-transfers/https://www.mannypay.io/beyond-the-swipe/industries/nonprofits/ach-donations-cutting-fees-on-monthly-gifts-with-bank-transfers/Wed, 21 Oct 2026 12:00:00 GMTLearn how ACH donations help a nonprofit cut fees on monthly gifts, set up bank transfer giving, handle donor authorizations and manage returns.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/telehealth/accepting-hsa-and-fsa-cards-for-telehealth-visits-and-prescriptions/https://www.mannypay.io/beyond-the-swipe/industries/telehealth/accepting-hsa-and-fsa-cards-for-telehealth-visits-and-prescriptions/Wed, 21 Oct 2026 12:00:00 GMTLearn how to accept HSA and FSA cards for telehealth and online pharmacy orders, why they decline, and how MCCs and receipts affect approvals.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/firearms/80-lowers-and-gun-parts-why-processors-shut-down-sellers/https://www.mannypay.io/beyond-the-swipe/industries/firearms/80-lowers-and-gun-parts-why-processors-shut-down-sellers/Wed, 21 Oct 2026 12:00:00 GMT80 lower payment processing explained: why underwriters flag parts kits, triggers and solvent traps, and the checkout controls that keep your account live.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/ecommerce/3d-secure-for-online-stores-liability-shift-without-lost-sales/https://www.mannypay.io/beyond-the-swipe/industries/ecommerce/3d-secure-for-online-stores-liability-shift-without-lost-sales/Wed, 21 Oct 2026 12:00:00 GMTLearn how 3D Secure ecommerce checks shift fraud liability to card issuers and how to trigger them only on risky orders so good shoppers check out fast.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/boxing-fitness/24-hour-gym-access-control-locking-out-members-who-don-t-pay/https://www.mannypay.io/beyond-the-swipe/industries/boxing-fitness/24-hour-gym-access-control-locking-out-members-who-don-t-pay/Wed, 21 Oct 2026 12:00:00 GMTConnect your 24 hour gym access control system to billing so failed dues suspend entry automatically while reducing wrongful lockouts and chargeback risk.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/auto-repair/written-estimate-laws-for-auto-repair-authorization-before-work/https://www.mannypay.io/beyond-the-swipe/industries/auto-repair/written-estimate-laws-for-auto-repair-authorization-before-work/Tue, 20 Oct 2026 12:00:00 GMTLearn how auto repair estimate authorization law affects what your shop can collect, and how to document approvals so chargebacks don't stick.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/woocommerce-stores/woopayments-vs-stripe-for-woocommerce-fees-payouts-and-features/https://www.mannypay.io/beyond-the-swipe/industries/woocommerce-stores/woopayments-vs-stripe-for-woocommerce-fees-payouts-and-features/Tue, 20 Oct 2026 12:00:00 GMTWooPayments vs Stripe for WooCommerce: compare fees, payout schedules, disputes, account holds and saved-card portability so you pick the right plugin.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/woocommerce-stores/woopayments-account-under-review-why-payouts-stop-and-what-to-do/https://www.mannypay.io/beyond-the-swipe/industries/woocommerce-stores/woopayments-account-under-review-why-payouts-stop-and-what-to-do/Tue, 20 Oct 2026 12:00:00 GMTWooPayments account under review? Learn what each status means, which documents clear a review, how long payouts can be held and how to keep selling.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/woocommerce-stores/woocommerce-transaction-fees-what-you-actually-pay-per-sale/https://www.mannypay.io/beyond-the-swipe/industries/woocommerce-stores/woocommerce-transaction-fees-what-you-actually-pay-per-sale/Tue, 20 Oct 2026 12:00:00 GMTWooCommerce transaction fees go beyond the free plugin. See what you really pay per order, with sample math at three order sizes and ways to cut costs.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/woocommerce-stores/woocommerce-payment-failed-fixing-declines-at-your-checkout/https://www.mannypay.io/beyond-the-swipe/industries/woocommerce-stores/woocommerce-payment-failed-fixing-declines-at-your-checkout/Tue, 20 Oct 2026 12:00:00 GMTWooCommerce payment failed? Learn how to tell real card declines from plugin, caching, API key and 3D Secure errors so you fix the right problem fast.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/woocommerce-stores/woocommerce-fake-orders-stopping-card-testing-on-your-checkout/https://www.mannypay.io/beyond-the-swipe/industries/woocommerce-stores/woocommerce-fake-orders-stopping-card-testing-on-your-checkout/Tue, 20 Oct 2026 12:00:00 GMTGetting WooCommerce fake orders? Learn why card-testing bots hit the Store API and how to stop them with gateway, CAPTCHA and firewall defenses.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/contractors/why-your-processor-held-funds-on-a-big-remodel-deposit/https://www.mannypay.io/beyond-the-swipe/industries/contractors/why-your-processor-held-funds-on-a-big-remodel-deposit/Tue, 20 Oct 2026 12:00:00 GMTContractor payment processor holding funds on a big deposit? Learn why big jobs trigger reviews and how to set up your account to avoid frozen funds.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/retail/why-your-processor-held-funds-after-a-big-holiday-sales-spike/https://www.mannypay.io/beyond-the-swipe/industries/retail/why-your-processor-held-funds-after-a-big-holiday-sales-spike/Tue, 20 Oct 2026 12:00:00 GMTIs your processor holding funds after a sales spike? Learn why holiday surges trigger reviews and how to raise limits before Black Friday.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/jewelry/why-your-processor-blocked-a-25-000-engagement-ring-sale/https://www.mannypay.io/beyond-the-swipe/industries/jewelry/why-your-processor-blocked-a-25-000-engagement-ring-sale/Tue, 20 Oct 2026 12:00:00 GMTHit a credit card transaction limit at your jewelry store? Learn why big sales get held or declined and how pre-clearing them lowers the risk of a hold.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/tobacco/why-smoke-shops-get-terminated-vapes-cbd-kratom-and-glass/https://www.mannypay.io/beyond-the-swipe/industries/tobacco/why-smoke-shops-get-terminated-vapes-cbd-kratom-and-glass/Tue, 20 Oct 2026 12:00:00 GMTSmoke shop merchant account terminated? Learn which products trigger reviews, the warning signs, and how to disclose your mix to keep processing.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/ecommerce/why-online-card-fees-cost-more-card-not-present-rates-explained/https://www.mannypay.io/beyond-the-swipe/industries/ecommerce/why-online-card-fees-cost-more-card-not-present-rates-explained/Tue, 20 Oct 2026 12:00:00 GMTLearn why card not present transaction fees run higher than in-store swipes and which levers, like AVS data and pricing models, cut your effective rate.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/rates-and-fees/why-online-and-keyed-transactions-cost-more-to-process/https://www.mannypay.io/beyond-the-swipe/rates-and-fees/why-online-and-keyed-transactions-cost-more-to-process/Tue, 20 Oct 2026 12:00:00 GMTCard not present fees, explained with Visa's own rate table: what an online or keyed sale really costs, when debit doesn't change, and how to close the gap.Rates, Fees & Savings https://www.mannypay.io/beyond-the-swipe/high-risk-processing/why-is-my-processor-holding-my-funds-causes-and-fixes/https://www.mannypay.io/beyond-the-swipe/high-risk-processing/why-is-my-processor-holding-my-funds-causes-and-fixes/Tue, 20 Oct 2026 12:00:00 GMTProcessor holding funds? Learn why holds happen, which documents speed a release, and how to escalate without risking your merchant account.High-Risk Merchant Processing https://www.mannypay.io/beyond-the-swipe/industries/b2b-wholesale/wholesale-distributor-credit-card-fees-what-should-you-pay/https://www.mannypay.io/beyond-the-swipe/industries/b2b-wholesale/wholesale-distributor-credit-card-fees-what-should-you-pay/Tue, 20 Oct 2026 12:00:00 GMTUnderstand wholesale distributor credit card processing fees: why commercial cards cost more, how to avoid downgrades and how to benchmark a fair rate.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/kratom/where-is-kratom-illegal-blocking-banned-states-at-checkout/https://www.mannypay.io/beyond-the-swipe/industries/kratom/where-is-kratom-illegal-blocking-banned-states-at-checkout/Tue, 20 Oct 2026 12:00:00 GMTWhere 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.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/7oh/where-is-7-oh-banned-blocking-restricted-states-at-checkout/https://www.mannypay.io/beyond-the-swipe/industries/7oh/where-is-7-oh-banned-blocking-restricted-states-at-checkout/Tue, 20 Oct 2026 12:00:00 GMTWhere 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.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/cbd/where-can-you-ship-delta-8-blocking-banned-states-at-checkout/https://www.mannypay.io/beyond-the-swipe/industries/cbd/where-can-you-ship-delta-8-blocking-banned-states-at-checkout/Tue, 20 Oct 2026 12:00:00 GMTDelta 8 shipping restrictions by state explained: how to block banned states at checkout with shipping rules, address checks and product-level controls.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/home-healthcare/when-adult-children-pay-for-mom-s-home-care-payer-setup/https://www.mannypay.io/beyond-the-swipe/industries/home-healthcare/when-adult-children-pay-for-mom-s-home-care-payer-setup/Tue, 20 Oct 2026 12:00:00 GMTHandle family paying for home care with clean payer records, signed authorizations, sibling bill splits, remote payment links and privacy-safe invoices.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/low-risk-ecommerce/what-processors-check-on-your-website-before-approving-you/https://www.mannypay.io/beyond-the-swipe/industries/low-risk-ecommerce/what-processors-check-on-your-website-before-approving-you/Tue, 20 Oct 2026 12:00:00 GMTLearn the website requirements for merchant account approval, page by page, so your online store avoids underwriting delays, denials, and reserves.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/merchant-education/what-makes-a-business-low-risk-to-payment-processors/https://www.mannypay.io/beyond-the-swipe/merchant-education/what-makes-a-business-low-risk-to-payment-processors/Tue, 20 Oct 2026 12:00:00 GMTLearn what earns a business a low risk merchant account, which industries usually qualify, the better terms it brings, and how to keep that status.Merchant Education & Growth https://www.mannypay.io/beyond-the-swipe/payment-processing/what-are-merchant-services-a-plain-english-guide-for-owners/https://www.mannypay.io/beyond-the-swipe/payment-processing/what-are-merchant-services-a-plain-english-guide-for-owners/Tue, 20 Oct 2026 12:00:00 GMTLearn what merchant services include, from the account and processor to gateways, hardware and funding, plus which fees you pay and what you can negotiate.Payment Processing Fundamentals https://www.mannypay.io/beyond-the-swipe/glossary/what-are-interchange-fees-how-card-swipe-costs-are-set/https://www.mannypay.io/beyond-the-swipe/glossary/what-are-interchange-fees-how-card-swipe-costs-are-set/Tue, 20 Oct 2026 12:00:00 GMTWhat are interchange fees? Learn who sets them, why card type and entry method change your cost, and practical ways to qualify for lower rates.Payments Glossary https://www.mannypay.io/beyond-the-swipe/industries/gyms-martial-arts/wellhub-vs-classpass-for-gyms-payout-rates-and-true-cost/https://www.mannypay.io/beyond-the-swipe/industries/gyms-martial-arts/wellhub-vs-classpass-for-gyms-payout-rates-and-true-cost/Tue, 20 Oct 2026 12:00:00 GMTWellhub vs ClassPass for gyms: how per-visit payouts compare with your drop-in and membership rates, and how to protect full-price members.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/nutraceuticals/weight-loss-supplements-why-processors-flag-keto-and-fat-burners/https://www.mannypay.io/beyond-the-swipe/industries/nutraceuticals/weight-loss-supplements-why-processors-flag-keto-and-fat-burners/Tue, 20 Oct 2026 12:00:00 GMTGetting a weight loss supplement merchant account is hard. Learn why processors flag keto and fat burners, and what to fix in claims, offers and refunds.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/web-design/website-maintenance-plans-automating-monthly-retainer-billing/https://www.mannypay.io/beyond-the-swipe/industries/web-design/website-maintenance-plans-automating-monthly-retainer-billing/Tue, 20 Oct 2026 12:00:00 GMTSet up website maintenance plan billing with card and ACH autopay, clear overage terms and failed-payment recovery so care plan retainers get paid on time.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/web-design/web-design-deposits-and-milestone-payments-terms-that-get-you-paid/https://www.mannypay.io/beyond-the-swipe/industries/web-design/web-design-deposits-and-milestone-payments-terms-that-get-you-paid/Tue, 20 Oct 2026 12:00:00 GMTSet a web design deposit and milestone payment terms clients won't dispute, then collect every payment by card or ACH and protect your final invoice.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/web-design/web-design-chargebacks-winning-disputes-after-a-site-launches/https://www.mannypay.io/beyond-the-swipe/industries/web-design/web-design-chargebacks-winning-disputes-after-a-site-launches/Tue, 20 Oct 2026 12:00:00 GMTFacing a web design chargeback? Learn which evidence wins disputes, from signed scope to launch logs, and how to build a paper trail before clients dispute.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/web-design/web-design-agency-card-fees-what-you-should-pay-and-why/https://www.mannypay.io/beyond-the-swipe/industries/web-design/web-design-agency-card-fees-what-you-should-pay-and-why/Tue, 20 Oct 2026 12:00:00 GMTUnderstand web design credit card processing fees on project invoices and care plans, from MCCs to business cards, and spot an overpriced quote.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/apparel/wardrobing-how-boutiques-stop-wear-it-once-and-return-fraud/https://www.mannypay.io/beyond-the-swipe/industries/apparel/wardrobing-how-boutiques-stop-wear-it-once-and-return-fraud/Tue, 20 Oct 2026 12:00:00 GMTLearn how boutiques curb wardrobing return fraud with tamper-evident tags, clear policies, and POS return tracking, without punishing honest shoppers.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industry-news/visa-s-new-installment-interchange-rates-october-2026-explained/https://www.mannypay.io/beyond-the-swipe/industry-news/visa-s-new-installment-interchange-rates-october-2026-explained/Tue, 20 Oct 2026 12:00:00 GMTVisa installment credential interchange rates arrive with Visa's October 2026 update. See the new categories, who sees them and how to catch hidden markups.Payments News https://www.mannypay.io/beyond-the-swipe/industry-news/visa-s-new-embedded-payment-charge-october-2026-fee-changes/https://www.mannypay.io/beyond-the-swipe/industry-news/visa-s-new-embedded-payment-charge-october-2026-fee-changes/Tue, 20 Oct 2026 12:00:00 GMTThe Visa acquirer embedded payment charge starts October 23, 2026. Learn who it affects, other fall network changes and what to check on your statement.Payments News https://www.mannypay.io/beyond-the-swipe/industry-news/visa-and-mesh-crypto-spending-what-changes-at-your-checkout/https://www.mannypay.io/beyond-the-swipe/industry-news/visa-and-mesh-crypto-spending-what-changes-at-your-checkout/Tue, 20 Oct 2026 12:00:00 GMTVisa Mesh crypto payments let shoppers pay from crypto wallets at Visa merchants. Learn what changes at your checkout and what's still unknown.Payments News https://www.mannypay.io/beyond-the-swipe/industries/subscriptions/visa-and-mastercard-retry-limits-avoid-excessive-reattempt-fees/https://www.mannypay.io/beyond-the-swipe/industries/subscriptions/visa-and-mastercard-retry-limits-avoid-excessive-reattempt-fees/Tue, 20 Oct 2026 12:00:00 GMTLearn how to avoid excessive retry fees: Visa and Mastercard reattempt rules, decline codes and a recurring billing retry schedule that recovers revenue.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/veterinary/vetsource-vs-chewy-vs-your-own-online-pharmacy-what-clinics-keep/https://www.mannypay.io/beyond-the-swipe/industries/veterinary/vetsource-vs-chewy-vs-your-own-online-pharmacy-what-clinics-keep/Tue, 20 Oct 2026 12:00:00 GMTCompare Vetsource, Chewy and your own veterinary online pharmacy for clinics: what you keep on refills, payout timing and autoship billing.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/veterinary/veterinary-wellness-plan-billing-monthly-preventive-care-setup/https://www.mannypay.io/beyond-the-swipe/industries/veterinary/veterinary-wellness-plan-billing-monthly-preventive-care-setup/Tue, 20 Oct 2026 12:00:00 GMTLearn how veterinary wellness plan billing works: enrollment, recurring authorization, failed payment recovery, cancellation balances and insurance rules.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/veterinary/veterinary-payment-plans-offering-in-house-financing-safely/https://www.mannypay.io/beyond-the-swipe/industries/veterinary/veterinary-payment-plans-offering-in-house-financing-safely/Tue, 20 Oct 2026 12:00:00 GMTLearn how to structure veterinary payment plans with down payments, card-on-file autopay and written terms so client balances don't turn into bad debt.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/vape/vape-shop-merchant-accounts-why-you-re-declined-and-how-to-win/https://www.mannypay.io/beyond-the-swipe/industries/vape/vape-shop-merchant-accounts-why-you-re-declined-and-how-to-win/Tue, 20 Oct 2026 12:00:00 GMTDeclined 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.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/vape/vape-shop-credit-card-processing-fees-what-you-should-pay/https://www.mannypay.io/beyond-the-swipe/industries/vape/vape-shop-credit-card-processing-fees-what-you-should-pay/Tue, 20 Oct 2026 12:00:00 GMTLearn what vape shop credit card processing fees should cost: in-store vs. online rates, high-risk add-ons, reserves and your true effective rate.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/health-beauty/vagaro-vs-square-appointments-vs-boulevard-payment-fees/https://www.mannypay.io/beyond-the-swipe/industries/health-beauty/vagaro-vs-square-appointments-vs-boulevard-payment-fees/Tue, 20 Oct 2026 12:00:00 GMTVagaro vs. Square Appointments vs. Boulevard: compare processing fee structures, deposits, hardware, payouts and lock-in to see what salon payments cost.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/car-dealerships/used-car-dealer-merchant-accounts-getting-approved-and-staying-live/https://www.mannypay.io/beyond-the-swipe/industries/car-dealerships/used-car-dealer-merchant-accounts-getting-approved-and-staying-live/Tue, 20 Oct 2026 12:00:00 GMTLearn what underwriters check on a used car dealer merchant account, which documents to prepare, and how to set limits that lower your reserve risk.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/veterinary/treatment-plan-estimates-getting-signed-approval-and-a-deposit/https://www.mannypay.io/beyond-the-swipe/industries/veterinary/treatment-plan-estimates-getting-signed-approval-and-a-deposit/Tue, 20 Oct 2026 12:00:00 GMTBuild a veterinary treatment plan estimate with high/low ranges, signed consent and a deposit so overages get paid and disputes have records behind them.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/travel/travel-chargebacks-winning-cancelled-trip-and-refund-disputes/https://www.mannypay.io/beyond-the-swipe/industries/travel/travel-chargebacks-winning-cancelled-trip-and-refund-disputes/Tue, 20 Oct 2026 12:00:00 GMTLearn which travel chargebacks you face most, from non-refundable fares to supplier cancellations, and the evidence that helps you win each dispute.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/travel/travel-booking-fraud-stopping-stolen-cards-on-trips-and-tours/https://www.mannypay.io/beyond-the-swipe/industries/travel/travel-booking-fraud-stopping-stolen-cards-on-trips-and-tours/Tue, 20 Oct 2026 12:00:00 GMTTravel booking fraud prevention for agencies and tour operators: spot last-minute, third-party card scams and verify bookings without losing real travelers.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/travel/travel-agency-merchant-accounts-why-you-re-high-risk-and-how-to-win/https://www.mannypay.io/beyond-the-swipe/industries/travel/travel-agency-merchant-accounts-why-you-re-high-risk-and-how-to-win/Tue, 20 Oct 2026 12:00:00 GMTNeed a travel agency merchant account? Learn why travel is high risk, what underwriters score, and the documents that win approval on fair terms.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/education/trade-school-merchant-accounts-why-prepaid-tuition-gets-held/https://www.mannypay.io/beyond-the-swipe/industries/education/trade-school-merchant-accounts-why-prepaid-tuition-gets-held/Tue, 20 Oct 2026 12:00:00 GMTLearn why a vocational school merchant account gets reserves on prepaid tuition, and which documents and payment plans help reduce holds and chargebacks.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/b2b-wholesale/trade-credit-applications-vetting-buyers-before-net-30-terms/https://www.mannypay.io/beyond-the-swipe/industries/b2b-wholesale/trade-credit-applications-vetting-buyers-before-net-30-terms/Tue, 20 Oct 2026 12:00:00 GMTBuild a trade credit application that vets buyers: what to collect, how to check references, set credit limits, and back net 30 terms with a card on file.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/tobacco/tobacco-shop-credit-card-fees-what-to-pay-on-thin-cigarette-margins/https://www.mannypay.io/beyond-the-swipe/industries/tobacco/tobacco-shop-credit-card-fees-what-to-pay-on-thin-cigarette-margins/Tue, 20 Oct 2026 12:00:00 GMTLearn how tobacco shop credit card processing fees eat into cigarette margins, how your MCC affects pricing, and how to find a fair effective rate.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/tobacco/tobacco-merchant-accounts-why-processors-decline-you-and-how-to-win/https://www.mannypay.io/beyond-the-swipe/industries/tobacco/tobacco-merchant-accounts-why-processors-decline-you-and-how-to-win/Tue, 20 Oct 2026 12:00:00 GMTLearn how to get a tobacco merchant account: why smoke shops are rated medium risk, what underwriters check, documents to prepare and red flags to avoid.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/restaurants/toast-vs-square-for-restaurants-fees-hardware-and-contracts/https://www.mannypay.io/beyond-the-swipe/industries/restaurants/toast-vs-square-for-restaurants-fees-hardware-and-contracts/Tue, 20 Oct 2026 12:00:00 GMTComparing Toast vs. Square for restaurants? See how fees, hardware, contracts and processing lock-in differ, and when an independent processor fits better.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/events-ticketing/ticket-resale-laws-by-state-transfers-price-caps-and-your-checkout/https://www.mannypay.io/beyond-the-swipe/industries/events-ticketing/ticket-resale-laws-by-state-transfers-price-caps-and-your-checkout/Tue, 20 Oct 2026 12:00:00 GMTTicket resale laws by state shape how you handle transfers, price caps and refunds. Learn how to build a resale flow that keeps payments and disputes clean.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/cbd/the-federal-hemp-thc-ban-what-it-means-for-your-merchant-account/https://www.mannypay.io/beyond-the-swipe/industries/cbd/the-federal-hemp-thc-ban-what-it-means-for-your-merchant-account/Tue, 20 Oct 2026 12:00:00 GMTThe 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.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/kratom/the-7-oh-crackdown-what-it-means-for-your-kratom-processor/https://www.mannypay.io/beyond-the-swipe/industries/kratom/the-7-oh-crackdown-what-it-means-for-your-kratom-processor/Tue, 20 Oct 2026 12:00:00 GMTHow the 7-OH kratom crackdown is changing processor risk policies, and how to audit your catalog and pull SKUs to protect your merchant account.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/medical/text-to-pay-for-medical-bills-collect-balances-faster/https://www.mannypay.io/beyond-the-swipe/industries/medical/text-to-pay-for-medical-bills-collect-balances-faster/Tue, 20 Oct 2026 12:00:00 GMTSee how text to pay medical bills compares with mailed statements on cost and speed, plus what HIPAA and TCPA allow in a patient billing text.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/telehealth/telehealth-merchant-accounts-why-you-re-high-risk-and-how-to-get/https://www.mannypay.io/beyond-the-swipe/industries/telehealth/telehealth-merchant-accounts-why-you-re-high-risk-and-how-to-get/Tue, 20 Oct 2026 12:00:00 GMTLearn why a telehealth merchant account is considered high risk, what underwriters check, and how to prepare an application that answers their questions.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/telehealth/telehealth-credit-card-fees-mcc-8011-vs-8099-and-real-costs/https://www.mannypay.io/beyond-the-swipe/industries/telehealth/telehealth-credit-card-fees-mcc-8011-vs-8099-and-real-costs/Tue, 20 Oct 2026 12:00:00 GMTLearn how telehealth credit card processing fees change with MCC 8011, 8099 or 5912, what drives reserves, and how to check your quote.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/telehealth/telehealth-chargebacks-winning-disputes-without-exposing-phi/https://www.mannypay.io/beyond-the-swipe/industries/telehealth/telehealth-chargebacks-winning-disputes-without-exposing-phi/Tue, 20 Oct 2026 12:00:00 GMTHow to fight telehealth chargebacks with visit logs, delivery proof and billing records while keeping patient health information out of dispute files.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/professional-services/taxdome-vs-canopy-vs-karbon-client-payment-fees-compared/https://www.mannypay.io/beyond-the-swipe/industries/professional-services/taxdome-vs-canopy-vs-karbon-client-payment-fees-compared/Tue, 20 Oct 2026 12:00:00 GMTTaxDome vs. Canopy vs. Karbon: compare card and ACH fees, autopay, payment-before-delivery and lock-in, and see when your own merchant account makes sense.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industry-news/swipe-fee-settlement-heads-to-final-approval-what-s-at-stake/https://www.mannypay.io/beyond-the-swipe/industry-news/swipe-fee-settlement-heads-to-final-approval-what-s-at-stake/Tue, 20 Oct 2026 12:00:00 GMTThe Visa Mastercard settlement final approval hearing is Nov. 16. Learn what objectors argue, what's at stake for your card fees and what records to pull now.Payments News https://www.mannypay.io/beyond-the-swipe/industries/furniture/surcharging-a-5-000-sofa-card-fee-rules-for-furniture-stores/https://www.mannypay.io/beyond-the-swipe/industries/furniture/surcharging-a-5-000-sofa-card-fee-rules-for-furniture-stores/Tue, 20 Oct 2026 12:00:00 GMTAdding a furniture store credit card surcharge to a $5,000 sofa? Learn network caps, state limits, debit rules, and alternatives that keep the sale.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/nutraceuticals/supplement-store-processing-fees-mcc-5499-vs-5912-vs-5968/https://www.mannypay.io/beyond-the-swipe/industries/nutraceuticals/supplement-store-processing-fees-mcc-5499-vs-5912-vs-5968/Tue, 20 Oct 2026 12:00:00 GMTLearn how MCCs, reserves and continuity billing shape supplement credit card processing fees, and how to read a nutra quote line by line before you sign.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/nutraceuticals/supplement-chargebacks-winning-it-didn-t-work-and-trial-disputes/https://www.mannypay.io/beyond-the-swipe/industries/nutraceuticals/supplement-chargebacks-winning-it-didn-t-work-and-trial-disputes/Tue, 20 Oct 2026 12:00:00 GMTLearn how to fight supplement chargebacks: the evidence that wins 'it didn't work,' rebill and trial disputes, and how to keep your ratio in check.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/subscriptions/subscription-billing-software-costs-stripe-billing-vs-recurly-vs/https://www.mannypay.io/beyond-the-swipe/industries/subscriptions/subscription-billing-software-costs-stripe-billing-vs-recurly-vs/Tue, 20 Oct 2026 12:00:00 GMTA subscription billing software comparison that separates platform fees from processing costs so you can model Stripe Billing, Recurly and Chargebee.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/ecommerce/stripe-or-paypal-froze-your-funds-how-to-get-your-money-back/https://www.mannypay.io/beyond-the-swipe/industries/ecommerce/stripe-or-paypal-froze-your-funds-how-to-get-your-money-back/Tue, 20 Oct 2026 12:00:00 GMTStripe account frozen or PayPal holding your money? Learn why aggregators hold funds, which documents speed a release and how to keep your store selling.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/web-design/stripe-holding-a-big-web-design-payment-why-and-how-to-release-it/https://www.mannypay.io/beyond-the-swipe/industries/web-design/stripe-holding-a-big-web-design-payment-why-and-how-to-release-it/Tue, 20 Oct 2026 12:00:00 GMTStripe holding a large payment from a client? Learn why agency invoices trigger reviews and which documents help get your web design funds released faster.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/high-risk-processing/stripe-closed-my-account-why-it-happens-and-what-to-do-next/https://www.mannypay.io/beyond-the-swipe/high-risk-processing/stripe-closed-my-account-why-it-happens-and-what-to-do-next/Tue, 20 Oct 2026 12:00:00 GMTStripe closed my account: what now? Learn why aggregators shut accounts, what happens to held funds and how to move to a dedicated merchant account.High-Risk Merchant Processing https://www.mannypay.io/beyond-the-swipe/industries/adult/strip-club-chargebacks-winning-i-didn-t-authorize-that-disputes/https://www.mannypay.io/beyond-the-swipe/industries/adult/strip-club-chargebacks-winning-i-didn-t-authorize-that-disputes/Tue, 20 Oct 2026 12:00:00 GMTFight a strip club chargeback with door ID records, signed itemized VIP receipts and camera timestamps that back up your answer to fraud claims.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/marketplaces/stopping-off-platform-payments-keep-buyers-paying-through-you/https://www.mannypay.io/beyond-the-swipe/industries/marketplaces/stopping-off-platform-payments-keep-buyers-paying-through-you/Tue, 20 Oct 2026 12:00:00 GMTMarketplace off-platform payments drain revenue and trust. Learn which payment features, fee structures and policies keep buyers paying through you.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/digital-products/stolen-cards-buying-license-keys-stop-digital-goods-fraud/https://www.mannypay.io/beyond-the-swipe/industries/digital-products/stolen-cards-buying-license-keys-stop-digital-goods-fraud/Tue, 20 Oct 2026 12:00:00 GMTDigital goods fraud prevention for software and game sellers: velocity rules, delivery holds, key revocation and grey-market checks that help reduce losses.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/tobacco/stolen-cards-buying-cartons-stopping-tobacco-shop-card-fraud/https://www.mannypay.io/beyond-the-swipe/industries/tobacco/stolen-cards-buying-cartons-stopping-tobacco-shop-card-fraud/Tue, 20 Oct 2026 12:00:00 GMTLearn how tobacco shop credit card fraud works, which terminal settings and ID checks stop stolen-card carton buys, and what evidence wins chargebacks.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/dropshipping/stolen-card-orders-in-dropshipping-stop-auto-fulfilling-fraud/https://www.mannypay.io/beyond-the-swipe/industries/dropshipping/stolen-card-orders-in-dropshipping-stop-auto-fulfilling-fraud/Tue, 20 Oct 2026 12:00:00 GMTDropshipping fraud prevention guide: add a fraud hold between checkout and supplier auto-fulfillment so stolen-card orders never ship.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/retail/square-vs-shopify-pos-for-retail-fees-hardware-and-inventory/https://www.mannypay.io/beyond-the-swipe/industries/retail/square-vs-shopify-pos-for-retail-fees-hardware-and-inventory/Tue, 20 Oct 2026 12:00:00 GMTSquare vs Shopify POS for retail: compare processing fees, software plans, hardware and inventory tools, plus when a third option may cost your shop less.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/jewelry/splitting-an-engagement-ring-across-multiple-cards-how-to-do-it-right/https://www.mannypay.io/beyond-the-swipe/industries/jewelry/splitting-an-engagement-ring-across-multiple-cards-how-to-do-it-right/Tue, 20 Oct 2026 12:00:00 GMTLearn how to handle a split payment on multiple credit cards for jewelry sales: ring it up as one sale, spot fraud and document it to win disputes.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/low-risk-ecommerce/split-shipments-capturing-payment-when-orders-ship-in-parts/https://www.mannypay.io/beyond-the-swipe/industries/low-risk-ecommerce/split-shipments-capturing-payment-when-orders-ship-in-parts/Tue, 20 Oct 2026 12:00:00 GMTLearn how a partial capture split shipment workflow lets you authorize once, charge per package, and avoid expired holds, double charges and disputes.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/auto-repair/special-order-parts-deposits-protecting-your-shop-from-no-shows/https://www.mannypay.io/beyond-the-swipe/industries/auto-repair/special-order-parts-deposits-protecting-your-shop-from-no-shows/Tue, 20 Oct 2026 12:00:00 GMTSet an auto repair parts deposit policy for dealer-only and non-returnable parts that customers accept and that holds up if they cancel or dispute.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/salons-spas/spa-and-massage-memberships-setting-up-monthly-billing-that-sticks/https://www.mannypay.io/beyond-the-swipe/industries/salons-spas/spa-and-massage-memberships-setting-up-monthly-billing-that-sticks/Tue, 20 Oct 2026 12:00:00 GMTBuild a massage membership program members keep paying for: clear pricing, rollover credits, card-on-file consent, cancellation rules and payment recovery.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/apparel/sneaker-and-streetwear-drops-stopping-bots-and-fraud-at-checkout/https://www.mannypay.io/beyond-the-swipe/industries/apparel/sneaker-and-streetwear-drops-stopping-bots-and-fraud-at-checkout/Tue, 20 Oct 2026 12:00:00 GMTSneaker drop bot protection playbook: raffle checkout setups, purchase limits, fraud screening and processor prep that help protect limited releases.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/grocery/snap-soda-and-candy-restrictions-updating-your-grocery-pos-by-state/https://www.mannypay.io/beyond-the-swipe/industries/grocery/snap-soda-and-candy-restrictions-updating-your-grocery-pos-by-state/Tue, 20 Oct 2026 12:00:00 GMTTrack SNAP soda restrictions by state and retag soda, candy and energy drink SKUs in your POS so cashiers don't take EBT for restricted items.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/mannypay-solutions/smart-payment-terminals-vs-traditional-card-machines/https://www.mannypay.io/beyond-the-swipe/mannypay-solutions/smart-payment-terminals-vs-traditional-card-machines/Tue, 20 Oct 2026 12:00:00 GMTIs a smart payment terminal worth it, or will a basic EMV countertop machine do? Compare features, costs and fit so you don't overbuy hardware.MannyPay Products & Solutions https://www.mannypay.io/beyond-the-swipe/industries/food-trucks/should-your-food-truck-go-cashless-pros-cons-and-city-bans/https://www.mannypay.io/beyond-the-swipe/industries/food-trucks/should-your-food-truck-go-cashless-pros-cons-and-city-bans/Tue, 20 Oct 2026 12:00:00 GMTThinking about a cashless food truck? Weigh faster lines and less theft against card fees, local cash acceptance laws, and smart hybrid payment options.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/shopify-stores/shopify-transaction-fees-by-plan-what-you-pay-on-every-order/https://www.mannypay.io/beyond-the-swipe/industries/shopify-stores/shopify-transaction-fees-by-plan-what-you-pay-on-every-order/Tue, 20 Oct 2026 12:00:00 GMTUnderstand Shopify transaction fees by plan: online card rates, the third-party gateway fee, currency and chargeback costs, and when upgrading pays off.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/shopify-stores/shopify-protect-which-chargebacks-it-covers-and-which-it-won-t/https://www.mannypay.io/beyond-the-swipe/industries/shopify-stores/shopify-protect-which-chargebacks-it-covers-and-which-it-won-t/Tue, 20 Oct 2026 12:00:00 GMTLearn how to check which orders Shopify Protect covers, which fulfillment steps can put coverage at risk, and when you still need your own fraud tools.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/shopify-stores/shopify-pos-card-readers-which-hardware-fits-your-store/https://www.mannypay.io/beyond-the-swipe/industries/shopify-stores/shopify-pos-card-readers-which-hardware-fits-your-store/Tue, 20 Oct 2026 12:00:00 GMTCompare each Shopify POS card reader by use case, learn how to pair and connect it, and fix the reader errors that stall checkout at pop-ups or the counter.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/shopify-stores/shopify-payments-prohibited-businesses-is-your-store-eligible/https://www.mannypay.io/beyond-the-swipe/industries/shopify-stores/shopify-payments-prohibited-businesses-is-your-store-eligible/Tue, 20 Oct 2026 12:00:00 GMTLearn which Shopify Payments prohibited businesses and restricted products get stores disabled, and when a third-party gateway may help.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/shopify-stores/shopify-payments-payouts-on-hold-why-it-happens-and-how-to-fix-it/https://www.mannypay.io/beyond-the-swipe/industries/shopify-stores/shopify-payments-payouts-on-hold-why-it-happens-and-how-to-fix-it/Tue, 20 Oct 2026 12:00:00 GMTShopify Payments payout on hold? Learn what triggers holds and reserves, which documents to send, and how to respond fast so your review moves forward.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/shopify-stores/shopify-high-risk-orders-fulfill-cancel-or-verify-first/https://www.mannypay.io/beyond-the-swipe/industries/shopify-stores/shopify-high-risk-orders-fulfill-cancel-or-verify-first/Tue, 20 Oct 2026 12:00:00 GMTGot a Shopify high risk order? Learn to read fraud analysis signals, verify buyers, cancel cleanly and automate holds with Shopify Flow.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/shopify-stores/shopify-1099-k-reading-the-form-and-matching-it-to-your-books/https://www.mannypay.io/beyond-the-swipe/industries/shopify-stores/shopify-1099-k-reading-the-form-and-matching-it-to-your-books/Tue, 20 Oct 2026 12:00:00 GMTYour Shopify 1099-K shows gross sales, not deposits. Learn how to read the form and reconcile refunds, fees and sales tax so you don't overpay.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/shopify-stores/shop-pay-installments-vs-afterpay-and-klarna-on-shopify/https://www.mannypay.io/beyond-the-swipe/industries/shopify-stores/shop-pay-installments-vs-afterpay-and-klarna-on-shopify/Tue, 20 Oct 2026 12:00:00 GMTCompare Shop Pay Installments fees with Afterpay and Klarna on Shopify, including eligibility, refunds and disputes, so you can pick one BNPL option.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/vape/shipping-vapes-under-the-pact-act-atf-usps-and-carrier-bans/https://www.mannypay.io/beyond-the-swipe/industries/vape/shipping-vapes-under-the-pact-act-atf-usps-and-carrier-bans/Tue, 20 Oct 2026 12:00:00 GMTLearn what to check for PACT Act vape shipping: ATF registration, state reports, carrier policies, age-verified delivery and your merchant account.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/plumbing/servicetitan-vs-housecall-pro-vs-jobber-payment-fees-compared/https://www.mannypay.io/beyond-the-swipe/industries/plumbing/servicetitan-vs-housecall-pro-vs-jobber-payment-fees-compared/Tue, 20 Oct 2026 12:00:00 GMTWeighing ServiceTitan vs Housecall Pro payments and Jobber fees? Learn how built-in rates, payouts and lock-in work, and when your own processor saves money.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/tobacco/selling-zyn-and-nicotine-pouches-processor-age-and-tax-rules/https://www.mannypay.io/beyond-the-swipe/industries/tobacco/selling-zyn-and-nicotine-pouches-processor-age-and-tax-rules/Tue, 20 Oct 2026 12:00:00 GMTSelling nicotine pouches like Zyn? Learn how processors, the FDA and states classify pouches, plus age checks, taxes and online limits to stay compliant.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/peptides/selling-retatrutide-and-research-glp-1s-why-processors-panic/https://www.mannypay.io/beyond-the-swipe/industries/peptides/selling-retatrutide-and-research-glp-1s-why-processors-panic/Tue, 20 Oct 2026 12:00:00 GMTRetatrutide payment processing explained: why research GLP-1s trigger FDA, trademark and chargeback risk, and what it means for your peptide account.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/filipino-american-businesses/selling-pancit-bilao-from-home-cottage-food-payment-rules/https://www.mannypay.io/beyond-the-swipe/industries/filipino-american-businesses/selling-pancit-bilao-from-home-cottage-food-payment-rules/Tue, 20 Oct 2026 12:00:00 GMTSelling pancit bilao from home? Learn cottage food business payments basics: permits, payment links, deposits, 1099-K and sales tax.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/firearms/selling-guns-online-checkout-ffl-transfers-and-payments/https://www.mannypay.io/beyond-the-swipe/industries/firearms/selling-guns-online-checkout-ffl-transfers-and-payments/Tue, 20 Oct 2026 12:00:00 GMTSell guns online with payment processing that fits FFL transfers: gateway choice, ship-to-FFL checkout, authorization timing, state blocks and fraud.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/adult/selling-dance-dollars-on-cards-fees-rules-and-dispute-risk/https://www.mannypay.io/beyond-the-swipe/industries/adult/selling-dance-dollars-on-cards-fees-rules-and-dispute-risk/Tue, 20 Oct 2026 12:00:00 GMTSelling strip club dance dollars on a credit card? Learn the fee rules, receipt disclosures and nightly reconciliation steps that reduce chargeback risk.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/tobacco/selling-cigarettes-online-pact-act-rules-and-card-network-bans/https://www.mannypay.io/beyond-the-swipe/industries/tobacco/selling-cigarettes-online-pact-act-rules-and-card-network-bans/Tue, 20 Oct 2026 12:00:00 GMTPlanning PACT Act online tobacco sales? Learn the registration, tax, age-check, delivery and payment questions to settle before you launch a store.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/cbd/selling-cbd-on-shopify-which-payment-gateways-actually-work/https://www.mannypay.io/beyond-the-swipe/industries/cbd/selling-cbd-on-shopify-which-payment-gateways-actually-work/Tue, 20 Oct 2026 12:00:00 GMTPlanning to sell CBD on Shopify? Learn the platform's hemp rules, how third-party gateways and extra fees work, and what underwriters check first.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/food-trucks/selling-at-food-festivals-cashless-wristbands-fees-and-payouts/https://www.mannypay.io/beyond-the-swipe/industries/food-trucks/selling-at-food-festivals-cashless-wristbands-fees-and-payouts/Tue, 20 Oct 2026 12:00:00 GMTLearn how food truck festival payments work, from RFID wristbands to revenue-share cuts and delayed payouts, so you can judge a festival's real profit.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/liquor-stores/selling-alcohol-online-payment-processing-and-age-checks-at-checkout/https://www.mannypay.io/beyond-the-swipe/industries/liquor-stores/selling-alcohol-online-payment-processing-and-age-checks-at-checkout/Tue, 20 Oct 2026 12:00:00 GMTA guide to selling alcohol online: payment processing approval, age verification at checkout, and the state laws that shape what you can ship.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/marketplaces/seller-kyc-for-marketplaces-verifying-vendors-before-payouts/https://www.mannypay.io/beyond-the-swipe/industries/marketplaces/seller-kyc-for-marketplaces-verifying-vendors-before-payouts/Tue, 20 Oct 2026 12:00:00 GMTLearn what marketplace seller verification requires: KYC and KYB data, OFAC screening, payout thresholds and how to verify vendors without losing signups.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/health-beauty/salon-credit-card-processing-fees-what-should-a-salon-pay/https://www.mannypay.io/beyond-the-swipe/industries/health-beauty/salon-credit-card-processing-fees-what-should-a-salon-pay/Tue, 20 Oct 2026 12:00:00 GMTLearn what drives salon credit card processing fees, from tips and deposits to booking software, and how to compare quotes by effective rate.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/apparel/sales-tax-on-clothing-by-state-setting-up-exemptions-in-your-pos/https://www.mannypay.io/beyond-the-swipe/industries/apparel/sales-tax-on-clothing-by-state-setting-up-exemptions-in-your-pos/Tue, 20 Oct 2026 12:00:00 GMTLearn how sales tax on clothing by state works, from year-round exemptions to price thresholds, and how to set POS tax rules so each item is taxed right.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/merchant-education/sales-spike-coming-warn-your-processor-before-funds-get-held/https://www.mannypay.io/beyond-the-swipe/merchant-education/sales-spike-coming-warn-your-processor-before-funds-get-held/Tue, 20 Oct 2026 12:00:00 GMTAvoid a sales spike payment processor hold: what to tell your processor before a promo, wholesale order or media feature, and what to do if funds are frozen.Merchant Education & Growth https://www.mannypay.io/beyond-the-swipe/industries/contractors/roof-insurance-check-made-out-to-the-mortgage-company-next-steps/https://www.mannypay.io/beyond-the-swipe/industries/contractors/roof-insurance-check-made-out-to-the-mortgage-company-next-steps/Tue, 20 Oct 2026 12:00:00 GMTGot an insurance check made out to homeowner and mortgage company? Learn how roofers handle endorsements, loss drafts and depreciation to get paid faster.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/dropshipping/rolling-reserves-for-dropshipping-stores-why-and-how-to-lower-them/https://www.mannypay.io/beyond-the-swipe/industries/dropshipping/rolling-reserves-for-dropshipping-stores-why-and-how-to-lower-them/Tue, 20 Oct 2026 12:00:00 GMTRolling reserve dropshipping basics: how processors size your hold, why delivery times matter, and the metrics that get underwriters to lower it.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/retail/retail-returns-refund-to-card-cash-or-store-credit/https://www.mannypay.io/beyond-the-swipe/industries/retail/retail-returns-refund-to-card-cash-or-store-credit/Tue, 20 Oct 2026 12:00:00 GMTLearn to set a retail refund to original form of payment rule in your POS, control no-receipt returns and limit return fraud and disputes.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/mannypay-solutions/retail-pos-systems-a-buyer-s-guide-for-independent-stores/https://www.mannypay.io/beyond-the-swipe/mannypay-solutions/retail-pos-systems-a-buyer-s-guide-for-independent-stores/Tue, 20 Oct 2026 12:00:00 GMTChoose the right retail POS system for your independent store: inventory and variants, barcode hardware, returns, online sync, and the quote terms to check.MannyPay Products & Solutions https://www.mannypay.io/beyond-the-swipe/industries/retail/retail-credit-card-processing-fees-what-should-a-shop-pay/https://www.mannypay.io/beyond-the-swipe/industries/retail/retail-credit-card-processing-fees-what-should-a-shop-pay/Tue, 20 Oct 2026 12:00:00 GMTLearn how retail credit card processing fees work, how ticket size and card mix shape your effective rate, and how to spot hidden fees and negotiate.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/retail/retail-chargebacks-beating-not-as-described-and-return-disputes/https://www.mannypay.io/beyond-the-swipe/industries/retail/retail-chargebacks-beating-not-as-described-and-return-disputes/Tue, 20 Oct 2026 12:00:00 GMTPrevent and win retail chargebacks, from credit not processed to friendly fraud, with the receipts, signage and return logs banks look for.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/restaurants/restaurant-service-charge-vs-tip-tax-labor-and-payment-rules/https://www.mannypay.io/beyond-the-swipe/industries/restaurants/restaurant-service-charge-vs-tip-tax-labor-and-payment-rules/Tue, 20 Oct 2026 12:00:00 GMTRestaurant service charge vs tip: learn why mandatory charges count as wages, how they affect sales tax and payroll, and how to set up your POS and menus.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/restaurants/restaurant-credit-card-processing-fees-what-s-a-fair-rate/https://www.mannypay.io/beyond-the-swipe/industries/restaurants/restaurant-credit-card-processing-fees-what-s-a-fair-rate/Tue, 20 Oct 2026 12:00:00 GMTLearn how to judge restaurant credit card processing fees, why tips, small tickets and online orders change your real cost, and how to negotiate.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/b2b-wholesale/resale-certificates-collecting-and-verifying-buyer-tax-exemptions/https://www.mannypay.io/beyond-the-swipe/industries/b2b-wholesale/resale-certificates-collecting-and-verifying-buyer-tax-exemptions/Tue, 20 Oct 2026 12:00:00 GMTResale certificate verification for wholesale: collect valid forms, track renewals and set up POS exemptions to help tax-free sales hold up in an audit.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/furniture/rent-to-own-furniture-payments-recurring-billing-and-state-laws/https://www.mannypay.io/beyond-the-swipe/industries/furniture/rent-to-own-furniture-payments-recurring-billing-and-state-laws/Tue, 20 Oct 2026 12:00:00 GMTLearn rent to own furniture payment processing: weekly and monthly recurring billing, state disclosure rules, autopay consent, declines and chargebacks.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/subscriptions/renewal-reminder-emails-what-the-law-and-card-networks-require/https://www.mannypay.io/beyond-the-swipe/industries/subscriptions/renewal-reminder-emails-what-the-law-and-card-networks-require/Tue, 20 Oct 2026 12:00:00 GMTLearn subscription renewal reminder requirements under state laws and Visa and Mastercard trial rules, plus template language and send logs that hold up.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/marketplaces/refunds-after-the-seller-was-paid-fixing-negative-balances/https://www.mannypay.io/beyond-the-swipe/industries/marketplaces/refunds-after-the-seller-was-paid-fixing-negative-balances/Tue, 20 Oct 2026 12:00:00 GMTLearn how to fix a marketplace negative seller balance after post-payout refunds: offsets, debits, reserves, contract terms and write-offs.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/subscriptions/raising-subscription-prices-notice-rules-and-billing-steps/https://www.mannypay.io/beyond-the-swipe/industries/subscriptions/raising-subscription-prices-notice-rules-and-billing-steps/Tue, 20 Oct 2026 12:00:00 GMTPlan a subscription price increase notice that meets auto-renewal rules, rolls through billing cleanly and keeps 'I didn't agree' chargebacks down.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/nonprofits/pushpay-vs-tithe-ly-vs-subsplash-church-giving-fees-compared/https://www.mannypay.io/beyond-the-swipe/industries/nonprofits/pushpay-vs-tithe-ly-vs-subsplash-church-giving-fees-compared/Tue, 20 Oct 2026 12:00:00 GMTPushpay vs. Tithe.ly vs. Subsplash: how to compare church giving fees on a real weekly gift, from monthly plans and ACH rates to payouts and ChMS sync.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/education/pto-fundraiser-payments-card-readers-for-fun-runs-and-book-fairs/https://www.mannypay.io/beyond-the-swipe/industries/education/pto-fundraiser-payments-card-readers-for-fun-runs-and-book-fairs/Tue, 20 Oct 2026 12:00:00 GMTSet up PTO fundraiser payment processing in your group's name, with card readers for book fairs, online pledges and a clean treasurer handoff.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/furniture/progressive-vs-acima-vs-snap-lease-to-own-for-furniture-stores/https://www.mannypay.io/beyond-the-swipe/industries/furniture/progressive-vs-acima-vs-snap-lease-to-own-for-furniture-stores/Tue, 20 Oct 2026 12:00:00 GMTProgressive Leasing vs Acima vs Snap: how each funds furniture stores, what to ask about fees and approvals, and how to build a financing waterfall.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/cbd/processor-dropped-your-cbd-store-getting-held-funds-back/https://www.mannypay.io/beyond-the-swipe/industries/cbd/processor-dropped-your-cbd-store-getting-held-funds-back/Tue, 20 Oct 2026 12:00:00 GMTCBD merchant account terminated? Learn how to request held funds, check MATCH list exposure, keep taking payments and prepare a stronger application.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/7oh/processor-dropped-you-over-7-oh-getting-your-held-funds-back/https://www.mannypay.io/beyond-the-swipe/industries/7oh/processor-dropped-you-over-7-oh-getting-your-held-funds-back/Tue, 20 Oct 2026 12:00:00 GMTMerchant account terminated over 7-OH? Learn how reserve holds work, how to request your funds, check MATCH status and keep taking payments legally.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/education/private-school-tuition-payment-plans-10-vs-12-months-and-autopay/https://www.mannypay.io/beyond-the-swipe/industries/education/private-school-tuition-payment-plans-10-vs-12-months-and-autopay/Tue, 20 Oct 2026 12:00:00 GMTBuild a private school tuition payment plan that covers summer payroll. Compare 10- and 12-month schedules, deposit terms and ACH vs. card autopay.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/jet-charter/private-jet-charter-merchant-accounts-how-to-get-approved/https://www.mannypay.io/beyond-the-swipe/industries/jet-charter/private-jet-charter-merchant-accounts-how-to-get-approved/Tue, 20 Oct 2026 12:00:00 GMTLearn what underwriters check before approving a private jet charter merchant account, and how operators and brokers can avoid declines and heavy reserves.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/jet-charter/private-jet-charter-cancellation-fees-tiered-policies-that-hold-up/https://www.mannypay.io/beyond-the-swipe/industries/jet-charter/private-jet-charter-cancellation-fees-tiered-policies-that-hold-up/Tue, 20 Oct 2026 12:00:00 GMTBuild a private jet charter cancellation policy with tiered fees tied to real costs, clear disclosure and signatures that help it survive card disputes.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/food-trucks/pricing-private-food-truck-events-minimums-deposits-and-payment/https://www.mannypay.io/beyond-the-swipe/industries/food-trucks/pricing-private-food-truck-events-minimums-deposits-and-payment/Tue, 20 Oct 2026 12:00:00 GMTSet a food truck private event minimum that covers travel and prep, collect deposits, run host tabs, and charge shortfalls without awkward disputes.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/grocery/pos-scale-integration-selling-produce-and-deli-items-by-weight/https://www.mannypay.io/beyond-the-swipe/industries/grocery/pos-scale-integration-selling-produce-and-deli-items-by-weight/Tue, 20 Oct 2026 12:00:00 GMTLearn how POS scale integration works for grocers: legal-for-trade scales, PLU codes, tare weights and random-weight deli labels that ring up correctly.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/plumbing/plumbing-credit-card-processing-fees-what-should-you-really-pay/https://www.mannypay.io/beyond-the-swipe/industries/plumbing/plumbing-credit-card-processing-fees-what-should-you-really-pay/Tue, 20 Oct 2026 12:00:00 GMTPlumbing credit card processing fees depend on MCC 1711, keyed payments and big tickets. Learn to find your effective rate and spot costly statement fees.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/plumbing/plumber-service-call-fees-getting-paid-when-customers-decline-work/https://www.mannypay.io/beyond-the-swipe/industries/plumbing/plumber-service-call-fees-getting-paid-when-customers-decline-work/Tue, 20 Oct 2026 12:00:00 GMTLearn how to disclose, authorize and collect a plumber service call fee before arrival so customers who decline the repair still pay, with fewer disputes.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/peptides/peptide-website-compliance-pages-that-get-merchant-accounts-closed/https://www.mannypay.io/beyond-the-swipe/industries/peptides/peptide-website-compliance-pages-that-get-merchant-accounts-closed/Tue, 20 Oct 2026 12:00:00 GMTPeptide website compliance audit: see which dosing tools, reviews, product pages and blog posts underwriters read as human-use sales, and what to fix.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/peptides/peptide-processing-fees-rates-reserves-and-payout-holds/https://www.mannypay.io/beyond-the-swipe/industries/peptides/peptide-processing-fees-rates-reserves-and-payout-holds/Tue, 20 Oct 2026 12:00:00 GMTUnderstand peptide credit card processing fees, rolling reserves and payout holds, with worked math on how much cash a reserve ties up each month.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/peptides/peptide-chargebacks-winning-purity-delivery-and-fraud-disputes/https://www.mannypay.io/beyond-the-swipe/industries/peptides/peptide-chargebacks-winning-purity-delivery-and-fraud-disputes/Tue, 20 Oct 2026 12:00:00 GMTLearn how to fight peptide chargebacks over temperature damage, purity complaints and spouse fraud claims, and which evidence wins each type of dispute.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/retail/pci-compliance-for-retail-stores-counter-phone-and-back-office/https://www.mannypay.io/beyond-the-swipe/industries/retail/pci-compliance-for-retail-stores-counter-phone-and-back-office/Tue, 20 Oct 2026 12:00:00 GMTPCI compliance for retail stores, mapped to counter, phone and back office: shrink scope, pick the right SAQ, work toward removing non-compliance fees.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/low-risk-ecommerce/paypal-seller-protection-what-your-store-must-do-to-qualify/https://www.mannypay.io/beyond-the-swipe/industries/low-risk-ecommerce/paypal-seller-protection-what-your-store-must-do-to-qualify/Tue, 20 Oct 2026 12:00:00 GMTLearn the PayPal seller protection requirements for shipping address, tracking and signature, plus which order types and claims fall outside coverage.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/dropshipping/paypal-holding-your-dropshipping-funds-how-to-get-them-released/https://www.mannypay.io/beyond-the-swipe/industries/dropshipping/paypal-holding-your-dropshipping-funds-how-to-get-them-released/Tue, 20 Oct 2026 12:00:00 GMTFacing a PayPal hold on dropshipping sales? Learn how holds and reserves work, how to upload tracking to PayPal, and what to send when you appeal.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/ecommerce/payment-gateway-vs-merchant-account-what-your-online-store-needs/https://www.mannypay.io/beyond-the-swipe/industries/ecommerce/payment-gateway-vs-merchant-account-what-your-online-store-needs/Tue, 20 Oct 2026 12:00:00 GMTPayment gateway vs merchant account, explained: what each does, when an aggregator like Stripe fits, and when a dedicated account pays off.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/subscriptions/patreon-vs-memberful-vs-ghost-true-cost-of-membership-fees/https://www.mannypay.io/beyond-the-swipe/industries/subscriptions/patreon-vs-memberful-vs-ghost-true-cost-of-membership-fees/Tue, 20 Oct 2026 12:00:00 GMTPatreon vs. Memberful vs. Ghost: see how platform and processing fees stack up at $2k, $10k and $50k a month, and who owns your subscribers' card data.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/web-design/passing-card-fees-to-clients-on-large-web-design-invoices/https://www.mannypay.io/beyond-the-swipe/industries/web-design/passing-card-fees-to-clients-on-large-web-design-invoices/Tue, 20 Oct 2026 12:00:00 GMTPassing credit card fees to clients on agency invoices? Learn surcharge rules, state limits, ACH incentives and sample wording to review with your attorney.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/grocery/online-grocery-payments-charging-for-weighted-items-and-substitutions/https://www.mannypay.io/beyond-the-swipe/industries/grocery/online-grocery-payments-charging-for-weighted-items-and-substitutions/Tue, 20 Oct 2026 12:00:00 GMTLearn how online grocery order payment authorization works for weighted items and substitutions, and how to avoid declines and customer disputes.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/digital-products/online-course-payment-plans-installments-without-defaults/https://www.mannypay.io/beyond-the-swipe/industries/digital-products/online-course-payment-plans-installments-without-defaults/Tue, 20 Oct 2026 12:00:00 GMTSet up an online course payment plan students actually finish, with smart pricing, clear checkout terms, retries, access locks and chargeback defense.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industry-news/one-phone-call-one-breach-social-engineering-lessons-for-merchants/https://www.mannypay.io/beyond-the-swipe/industry-news/one-phone-call-one-breach-social-engineering-lessons-for-merchants/Tue, 20 Oct 2026 12:00:00 GMTWhat the ASOS social engineering data breach teaches retail merchants, plus a checklist to protect staff logins, SaaS apps and payment portals.Payments News https://www.mannypay.io/beyond-the-swipe/industries/nutraceuticals/nutraceutical-merchant-accounts-how-to-get-approved-and-stay-live/https://www.mannypay.io/beyond-the-swipe/industries/nutraceuticals/nutraceutical-merchant-accounts-how-to-get-approved-and-stay-live/Tue, 20 Oct 2026 12:00:00 GMTHow to get a nutraceutical merchant account approved: the documents and website details underwriters check, reserves to expect and how to stay live.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/nutraceuticals/nutra-load-balancing-legal-mid-routing-vs-transaction-laundering/https://www.mannypay.io/beyond-the-swipe/industries/nutraceuticals/nutra-load-balancing-legal-mid-routing-vs-transaction-laundering/Tue, 20 Oct 2026 12:00:00 GMTNutra load balancing can be legal or can get you MATCH-listed. Learn where compliant multi-processor routing ends and transaction laundering begins.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/nonprofits/nonprofit-merchant-accounts-why-giving-tuesday-spikes-trigger-holds/https://www.mannypay.io/beyond-the-swipe/industries/nonprofits/nonprofit-merchant-accounts-why-giving-tuesday-spikes-trigger-holds/Tue, 20 Oct 2026 12:00:00 GMTLearn why Giving Tuesday and year-end surges freeze nonprofit merchant account payouts, and how to notify your processor so donations keep flowing.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/nonprofits/nonprofit-credit-card-processing-rates-claiming-charity-discounts/https://www.mannypay.io/beyond-the-swipe/industries/nonprofits/nonprofit-credit-card-processing-rates-claiming-charity-discounts/Tue, 20 Oct 2026 12:00:00 GMTLearn how nonprofit credit card processing rates work, why many 501(c)(3)s miss charity interchange pricing, and how to audit your statement for it.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/b2b-wholesale/netsuite-acumatica-or-quickbooks-adding-card-and-ach-to-your-erp/https://www.mannypay.io/beyond-the-swipe/industries/b2b-wholesale/netsuite-acumatica-or-quickbooks-adding-card-and-ach-to-your-erp/Tue, 20 Oct 2026 12:00:00 GMTCompare ERP payment integration for distributors on NetSuite, Acumatica and QuickBooks: cash application, Level 3 data, tokenized cards and contract terms.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/marketplaces/multi-vendor-checkout-splitting-one-payment-across-many-sellers/https://www.mannypay.io/beyond-the-swipe/industries/marketplaces/multi-vendor-checkout-splitting-one-payment-across-many-sellers/Tue, 20 Oct 2026 12:00:00 GMTSplit payments marketplace guide: choose a charge model, set commission splits, allocate shipping and handle partial refunds, disputes and reconciliation.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/payment-processing/multi-currency-pricing-show-local-prices-without-losing-margin/https://www.mannypay.io/beyond-the-swipe/payment-processing/multi-currency-pricing-show-local-prices-without-losing-margin/Tue, 20 Oct 2026 12:00:00 GMTLearn how multi-currency pricing works, how to show local prices online, and how to protect margin from FX markups, rate swings and refunds.Payment Processing Fundamentals https://www.mannypay.io/beyond-the-swipe/industries/professional-services/msp-billing-automating-per-seat-it-contracts-with-ach-and-card/https://www.mannypay.io/beyond-the-swipe/industries/professional-services/msp-billing-automating-per-seat-it-contracts-with-ach-and-card/Tue, 20 Oct 2026 12:00:00 GMTLearn how to automate MSP billing for per-seat IT contracts, steer clients to ACH autopay, and stop losing margin to card fees on license resale.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/moving/moving-deposits-how-much-you-can-collect-and-fmcsa-rules/https://www.mannypay.io/beyond-the-swipe/industries/moving/moving-deposits-how-much-you-can-collect-and-fmcsa-rules/Tue, 20 Oct 2026 12:00:00 GMTLearn how much a moving company deposit can be, how FMCSA and state rules apply, and how to word deposit terms that hold up in card disputes.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/moving/moving-company-credit-card-fees-mcc-4214-and-big-ticket-rates/https://www.mannypay.io/beyond-the-swipe/industries/moving/moving-company-credit-card-fees-mcc-4214-and-big-ticket-rates/Tue, 20 Oct 2026 12:00:00 GMTUnderstand moving company credit card processing fees: MCC 4214, local and interstate fee math, keyed deposit costs and how to lower your effective rate.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industry-news/more-rewards-breach-is-your-loyalty-program-the-weak-spot/https://www.mannypay.io/beyond-the-swipe/industry-news/more-rewards-breach-is-your-loyalty-program-the-weak-spot/Tue, 20 Oct 2026 12:00:00 GMTA loyalty program data breach can expose customers even when card data is safe. Learn what PCI DSS misses and how to lock down your rewards data.Payments News https://www.mannypay.io/beyond-the-swipe/industries/nonprofits/monthly-donors-dropping-off-fixing-failed-recurring-gifts/https://www.mannypay.io/beyond-the-swipe/industries/nonprofits/monthly-donors-dropping-off-fixing-failed-recurring-gifts/Tue, 20 Oct 2026 12:00:00 GMTRecurring donation failed payment? Recover declined monthly gifts with account updater, smart retries and donor-friendly emails that protect goodwill.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/auto-repair/mobile-mechanic-payments-getting-paid-in-a-driveway-or-parking-lot/https://www.mannypay.io/beyond-the-swipe/industries/auto-repair/mobile-mechanic-payments-getting-paid-in-a-driveway-or-parking-lot/Tue, 20 Oct 2026 12:00:00 GMTMobile mechanic payment processing made practical: choose a card reader, take deposits, get paid when the owner is away, and handle no-signal jobs.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/merchant-education/merchant-underwriting-checklist-documents-to-have-ready/https://www.mannypay.io/beyond-the-swipe/merchant-education/merchant-underwriting-checklist-documents-to-have-ready/Tue, 20 Oct 2026 12:00:00 GMTLearn the merchant account underwriting requirements for medium-risk businesses and which documents to prepare so your file doesn't stall in review.Merchant Education & Growth https://www.mannypay.io/beyond-the-swipe/merchant-education/merchant-services-for-small-business-what-you-need-and-what-to-skip/https://www.mannypay.io/beyond-the-swipe/merchant-education/merchant-services-for-small-business-what-you-need-and-what-to-skip/Tue, 20 Oct 2026 12:00:00 GMTMerchant services for small business, matched to your monthly volume: what you actually need, what to skip and how to compare offers without overpaying.Merchant Education & Growth https://www.mannypay.io/beyond-the-swipe/industries/digital-products/merchant-of-record-vs-payment-processor-for-software-sellers/https://www.mannypay.io/beyond-the-swipe/industries/digital-products/merchant-of-record-vs-payment-processor-for-software-sellers/Tue, 20 Oct 2026 12:00:00 GMTMerchant of record vs payment processor: compare all-in fees, global tax liability, chargebacks and switching effort to choose the right model.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/merchant-education/merchant-cash-advance-how-it-works-and-what-it-really-costs/https://www.mannypay.io/beyond-the-swipe/merchant-education/merchant-cash-advance-how-it-works-and-what-it-really-costs/Tue, 20 Oct 2026 12:00:00 GMTLearn how a merchant cash advance works, convert a factor rate and daily holdback into an effective APR, and spot contract risks before you sign.Merchant Education & Growth https://www.mannypay.io/beyond-the-swipe/industries/subscriptions/merchant-accounts-for-subscription-businesses-getting-approved/https://www.mannypay.io/beyond-the-swipe/industries/subscriptions/merchant-accounts-for-subscription-businesses-getting-approved/Tue, 20 Oct 2026 12:00:00 GMTLearn how to get a merchant account for subscription business models: what underwriters check, trial red flags, reserves and documents that speed approval.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/digital-products/merchant-accounts-for-digital-products-why-you-re-flagged/https://www.mannypay.io/beyond-the-swipe/industries/digital-products/merchant-accounts-for-digital-products-why-you-re-flagged/Tue, 20 Oct 2026 12:00:00 GMTNeed a digital products merchant account? Learn why underwriters flag courses, coaching and software, and the disclosures that help you get approved.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/rates-and-fees/merchant-account-early-termination-fees-how-to-avoid-paying/https://www.mannypay.io/beyond-the-swipe/rates-and-fees/merchant-account-early-termination-fees-how-to-avoid-paying/Tue, 20 Oct 2026 12:00:00 GMTFacing an early termination fee on your merchant account? Learn how liquidated damages and auto-renewal work and how to get the fee waived or covered.Rates, Fees & Savings https://www.mannypay.io/beyond-the-swipe/industries/tobacco/menthol-and-flavored-tobacco-bans-by-state-locking-skus-in-your-pos/https://www.mannypay.io/beyond-the-swipe/industries/tobacco/menthol-and-flavored-tobacco-bans-by-state-locking-skus-in-your-pos/Tue, 20 Oct 2026 12:00:00 GMTLearn how to track a flavored tobacco ban by state or city, which products it covers, and how to lock banned SKUs in your POS so clerks can't sell them.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/merchant-education/medium-risk-merchant-accounts-why-you-re-in-the-middle-tier/https://www.mannypay.io/beyond-the-swipe/merchant-education/medium-risk-merchant-accounts-why-you-re-in-the-middle-tier/Tue, 20 Oct 2026 12:00:00 GMTAssigned a medium risk merchant account? Learn why underwriters put you there, what reserves and limits mean, and which risk factors you can change.Merchant Education & Growth https://www.mannypay.io/beyond-the-swipe/industries/home-healthcare/medical-staffing-invoicing-getting-facilities-to-pay-faster/https://www.mannypay.io/beyond-the-swipe/industries/home-healthcare/medical-staffing-invoicing-getting-facilities-to-pay-faster/Tue, 20 Oct 2026 12:00:00 GMTMedical staffing agency invoicing guide: how to bill facilities per shift, move them to ACH or virtual cards, and shorten slow payment cycles.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/medical/medical-practice-credit-card-fees-what-doctors-should-really-pay/https://www.mannypay.io/beyond-the-swipe/industries/medical/medical-practice-credit-card-fees-what-doctors-should-really-pay/Tue, 20 Oct 2026 12:00:00 GMTLearn what drives medical credit card processing fees, from MCC 8011 and HSA/FSA cards to keyed payments, and how to audit your statement for overcharges.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/salons-spas/med-spa-patient-financing-cherry-patientfi-and-carecredit/https://www.mannypay.io/beyond-the-swipe/industries/salons-spas/med-spa-patient-financing-cherry-patientfi-and-carecredit/Tue, 20 Oct 2026 12:00:00 GMTHow to evaluate med spa patient financing providers on merchant fees, approval claims, and package rules, plus when in-house plans make sense.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/health-beauty/med-spa-merchant-accounts-getting-approved-for-botox-and-filler/https://www.mannypay.io/beyond-the-swipe/industries/health-beauty/med-spa-merchant-accounts-getting-approved-for-botox-and-filler/Tue, 20 Oct 2026 12:00:00 GMTLearn why processors scrutinize a med spa merchant account and which documents improve your odds of approval and can reduce the chance of a reserve.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/salons-spas/med-spa-membership-programs-billing-monthly-botox-and-facial-plans/https://www.mannypay.io/beyond-the-swipe/industries/salons-spas/med-spa-membership-programs-billing-monthly-botox-and-facial-plans/Tue, 20 Oct 2026 12:00:00 GMTStructure a med spa membership program that bills cleanly: banked Botox credits, consent, cancellations, deferred revenue and chargeback prevention.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/health-beauty/med-spa-credit-card-processing-fees-mcc-codes-rates-and-reserves/https://www.mannypay.io/beyond-the-swipe/industries/health-beauty/med-spa-credit-card-processing-fees-mcc-codes-rates-and-reserves/Tue, 20 Oct 2026 12:00:00 GMTLearn what drives med spa credit card processing fees, from MCC codes and big injectable tickets to package reserves, and how to benchmark any quote.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/liquor-stores/mcc-5921-how-your-liquor-store-s-category-code-affects-what-you-pay/https://www.mannypay.io/beyond-the-swipe/industries/liquor-stores/mcc-5921-how-your-liquor-store-s-category-code-affects-what-you-pay/Tue, 20 Oct 2026 12:00:00 GMTLearn what MCC 5921 means for your liquor store, how it affects underwriting, card declines and fees, and how to check and fix a wrong code.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/restaurants/mcc-5812-vs-5814-how-your-restaurant-s-category-code-sets-fees/https://www.mannypay.io/beyond-the-swipe/industries/restaurants/mcc-5812-vs-5814-how-your-restaurant-s-category-code-sets-fees/Tue, 20 Oct 2026 12:00:00 GMTMCC 5812 vs 5814 explained: how full-service, quick-service and bar codes affect interchange fees, and how to check your restaurant's code is right.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/travel/mcc-4722-how-the-travel-agency-code-shapes-your-card-fees/https://www.mannypay.io/beyond-the-swipe/industries/travel/mcc-4722-how-the-travel-agency-code-shapes-your-card-fees/Tue, 20 Oct 2026 12:00:00 GMTMCC 4722 shapes travel agency credit card processing fees. Learn how interchange, risk markups and reserves work, and how to audit your statement.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/furniture/mattress-recycling-fees-by-state-setting-up-your-pos-correctly/https://www.mannypay.io/beyond-the-swipe/industries/furniture/mattress-recycling-fees-by-state-setting-up-your-pos-correctly/Tue, 20 Oct 2026 12:00:00 GMTLearn how the mattress recycling fee by state works, how to set it up as a POS line item, and how it affects sales tax, online orders and returns.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industry-news/mastercard-s-global-money-platform-stablecoins-reach-your-processor/https://www.mannypay.io/beyond-the-swipe/industry-news/mastercard-s-global-money-platform-stablecoins-reach-your-processor/Tue, 20 Oct 2026 12:00:00 GMTThe Mastercard Global Money Platform brings stablecoin settlement and payouts closer to your processor. Learn what changed and what to ask before opting in.Payments News https://www.mannypay.io/beyond-the-swipe/industries/adult/mastercard-s-adult-content-rules-what-your-site-must-prove/https://www.mannypay.io/beyond-the-swipe/industries/adult/mastercard-s-adult-content-rules-what-your-site-must-prove/Tue, 20 Oct 2026 12:00:00 GMTMastercard adult content rules explained: the age, consent, content review and takedown checks your site needs to keep accepting cards.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/boxing-fitness/martial-arts-school-billing-software-kicksite-vs-spark-vs-zen-planner/https://www.mannypay.io/beyond-the-swipe/industries/boxing-fitness/martial-arts-school-billing-software-kicksite-vs-spark-vs-zen-planner/Tue, 20 Oct 2026 12:00:00 GMTCompare martial arts billing software on what hits cash flow: processing markups, family tuition, testing fees, and whether you can use your own processor.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/marketplaces/marketplace-facilitator-laws-when-you-collect-sellers-sales-tax/https://www.mannypay.io/beyond-the-swipe/industries/marketplaces/marketplace-facilitator-laws-when-you-collect-sellers-sales-tax/Tue, 20 Oct 2026 12:00:00 GMTLearn how marketplace facilitator sales tax laws shift collection to your platform and what it means for checkout, seller payouts, exemptions and audits.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/marketplaces/marketplace-chargebacks-who-pays-the-platform-or-the-seller/https://www.mannypay.io/beyond-the-swipe/industries/marketplaces/marketplace-chargebacks-who-pays-the-platform-or-the-seller/Tue, 20 Oct 2026 12:00:00 GMTLearn how marketplace chargeback liability flows from processor to platform to seller, and how to recover losses when a seller is paid out or gone.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/liquor-stores/liquor-store-merchant-accounts-why-you-get-flagged-and-how-to-get/https://www.mannypay.io/beyond-the-swipe/industries/liquor-stores/liquor-store-merchant-accounts-why-you-get-flagged-and-how-to-get/Tue, 20 Oct 2026 12:00:00 GMTLearn what it takes to get a liquor store merchant account: why processors rate stores medium risk, what underwriters want, and how to avoid freezes.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/liquor-stores/liquor-store-id-scanners-choosing-one-that-works-with-your-pos/https://www.mannypay.io/beyond-the-swipe/industries/liquor-stores/liquor-store-id-scanners-choosing-one-that-works-with-your-pos/Tue, 20 Oct 2026 12:00:00 GMTCompare standalone and POS-integrated liquor store ID scanner options to block underage sales at the register and keep scan logs ready as evidence.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/liquor-stores/liquor-store-credit-card-processing-fees-what-you-should-really-pay/https://www.mannypay.io/beyond-the-swipe/industries/liquor-stores/liquor-store-credit-card-processing-fees-what-you-should-really-pay/Tue, 20 Oct 2026 12:00:00 GMTBenchmark your liquor store credit card processing fees: calculate your effective rate, isolate the negotiable markup and spot padded statement fees.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/liquor-stores/liquor-store-credit-card-fraud-stopping-stolen-cards-on-top-shelf/https://www.mannypay.io/beyond-the-swipe/industries/liquor-stores/liquor-store-credit-card-fraud-stopping-stolen-cards-on-top-shelf/Tue, 20 Oct 2026 12:00:00 GMTLiquor store credit card fraud drains margins fast. Learn the schemes behind stolen-card bottle buys and the controls that cut chargebacks.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/digital-products/linking-ios-users-to-web-checkout-cut-app-store-fees-on-digital-sales/https://www.mannypay.io/beyond-the-swipe/industries/digital-products/linking-ios-users-to-web-checkout-cut-app-store-fees-on-digital-sales/Tue, 20 Oct 2026 12:00:00 GMTConsidering an iOS external payment link? Compare app store commission with web checkout costs, conversion loss, chargebacks and tax before you switch.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/professional-services/lawpay-vs-clio-payments-vs-headnote-fees-and-trust-accounting/https://www.mannypay.io/beyond-the-swipe/industries/professional-services/lawpay-vs-clio-payments-vs-headnote-fees-and-trust-accounting/Tue, 20 Oct 2026 12:00:00 GMTComparing LawPay vs. Clio Payments and Headnote? Learn how to weigh fees, trust account protection, integrations and contract terms before you sign.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/kratom/kratom-merchant-accounts-what-underwriters-need-to-approve-you/https://www.mannypay.io/beyond-the-swipe/industries/kratom/kratom-merchant-accounts-what-underwriters-need-to-approve-you/Tue, 20 Oct 2026 12:00:00 GMTApplying for a kratom merchant account? See the lab tests, GMP records, policies and processing history underwriters expect, and the red flags to avoid.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/kratom/kratom-merchant-account-terminated-recovering-funds-and-reapplying/https://www.mannypay.io/beyond-the-swipe/industries/kratom/kratom-merchant-account-terminated-recovering-funds-and-reapplying/Tue, 20 Oct 2026 12:00:00 GMTKratom merchant account terminated? Learn how to request held funds, check for a MATCH listing and rebuild an application with a 180-day recovery plan.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/kratom/kratom-credit-card-processing-fees-rates-reserves-and-mcc/https://www.mannypay.io/beyond-the-swipe/industries/kratom/kratom-credit-card-processing-fees-rates-reserves-and-mcc/Tue, 20 Oct 2026 12:00:00 GMTLearn what drives kratom credit card processing fees, from rates and rolling reserves to MCC coding, and how to spot a predatory high-risk quote.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/kratom/kratom-consumer-protection-act-by-state-rules-for-your-register/https://www.mannypay.io/beyond-the-swipe/industries/kratom/kratom-consumer-protection-act-by-state-rules-for-your-register/Tue, 20 Oct 2026 12:00:00 GMTSee 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.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/gyms-martial-arts/kids-martial-arts-tuition-family-billing-and-sibling-discounts/https://www.mannypay.io/beyond-the-swipe/industries/gyms-martial-arts/kids-martial-arts-tuition-family-billing-and-sibling-discounts/Tue, 20 Oct 2026 12:00:00 GMTSimplify martial arts family billing with one bill per household, clear sibling discounts, split tuition between parents and private decline handling.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/digital-products/kajabi-vs-teachable-vs-thinkific-payment-fees-for-course-creators/https://www.mannypay.io/beyond-the-swipe/industries/digital-products/kajabi-vs-teachable-vs-thinkific-payment-fees-for-course-creators/Tue, 20 Oct 2026 12:00:00 GMTKajabi vs Teachable fees, plus Thinkific: compare platform fees, processing, payouts, and BYO Stripe, then model your true cost at three sales levels.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/jewelry/jewelry-store-scams-switch-fraud-fake-checks-and-card-tricks/https://www.mannypay.io/beyond-the-swipe/industries/jewelry/jewelry-store-scams-switch-fraud-fake-checks-and-card-tricks/Tue, 20 Oct 2026 12:00:00 GMTLearn how jewelry store scams work at the counter, from diamond switches to fake cashier's checks and forced keyed entries, plus a staff checklist.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/jewelry/jewelry-store-merchant-accounts-getting-approved-without-a-reserve/https://www.mannypay.io/beyond-the-swipe/industries/jewelry/jewelry-store-merchant-accounts-getting-approved-without-a-reserve/Tue, 20 Oct 2026 12:00:00 GMTGetting a jewelry store merchant account? Learn why underwriters flag jewelers, what to prepare, and how to negotiate or shrink a reserve.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/jewelry/jewelry-store-credit-card-fees-mcc-5944-and-big-ticket-rates/https://www.mannypay.io/beyond-the-swipe/industries/jewelry/jewelry-store-credit-card-fees-mcc-5944-and-big-ticket-rates/Tue, 20 Oct 2026 12:00:00 GMTLearn how your merchant category code, rewards cards and pricing models drive jewelry store credit card processing fees, and what to negotiate on big sales.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/jewelry/jewelry-chargebacks-winning-engagement-ring-and-diamond-disputes/https://www.mannypay.io/beyond-the-swipe/industries/jewelry/jewelry-chargebacks-winning-engagement-ring-and-diamond-disputes/Tue, 20 Oct 2026 12:00:00 GMTLearn why jewelry store chargebacks happen, from breakup refunds to diamond grading claims, and the evidence that helps you win each dispute.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/jet-charter/jet-charter-credit-card-fees-what-operators-should-pay/https://www.mannypay.io/beyond-the-swipe/industries/jet-charter/jet-charter-credit-card-fees-what-operators-should-pay/Tue, 20 Oct 2026 12:00:00 GMTLearn what drives private jet charter credit card processing fees, from MCCs to Level 3 data and foreign cards, and how to judge a fair rate.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/jet-charter/jet-card-programs-why-processors-hold-prepaid-flight-hours/https://www.mannypay.io/beyond-the-swipe/industries/jet-charter/jet-card-programs-why-processors-hold-prepaid-flight-hours/Tue, 20 Oct 2026 12:00:00 GMTLearn how jet card program payment processing works, why processors hold reserves on prepaid flight hours, and how to structure terms to keep cash flowing.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/education/jackrabbit-vs-akada-vs-dancestudio-pro-payment-fees-compared/https://www.mannypay.io/beyond-the-swipe/industries/education/jackrabbit-vs-akada-vs-dancestudio-pro-payment-fees-compared/Tue, 20 Oct 2026 12:00:00 GMTCompare dance studio billing software the right way: card and ACH rates, costume and competition fee billing, autopay and switching costs, before you sign.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/health-beauty/iv-therapy-merchant-accounts-why-drip-bars-get-flagged/https://www.mannypay.io/beyond-the-swipe/industries/health-beauty/iv-therapy-merchant-accounts-why-drip-bars-get-flagged/Tue, 20 Oct 2026 12:00:00 GMTSee what underwriters check before approving an IV therapy merchant account, from medical director oversight to memberships, and how to avoid flags.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/ecommerce/item-not-received-chargebacks-evidence-that-wins-for-online-stores/https://www.mannypay.io/beyond-the-swipe/industries/ecommerce/item-not-received-chargebacks-evidence-that-wins-for-online-stores/Tue, 20 Oct 2026 12:00:00 GMTFight an item not received chargeback with the right shipping evidence: carrier scans, delivery photos, AVS address matches and signature thresholds.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/telehealth/is-your-payment-processor-hipaa-compliant-what-telehealth-must-know/https://www.mannypay.io/beyond-the-swipe/industries/telehealth/is-your-payment-processor-hipaa-compliant-what-telehealth-must-know/Tue, 20 Oct 2026 12:00:00 GMTLearn how HIPAA compliant payment processing works for telehealth: when the exemption applies, when you need a BAA, and how to keep PHI off receipts.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/web-design/is-web-design-taxable-sales-tax-on-agency-services-by-state/https://www.mannypay.io/beyond-the-swipe/industries/web-design/is-web-design-taxable-sales-tax-on-agency-services-by-state/Tue, 20 Oct 2026 12:00:00 GMTIs web design taxable? Learn how custom builds, templates, hosting and maintenance are treated, and how to split invoices so exempt labor stays untaxed.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/low-risk-ecommerce/is-shipping-taxable-charging-sales-tax-on-shipping-by-state/https://www.mannypay.io/beyond-the-swipe/industries/low-risk-ecommerce/is-shipping-taxable-charging-sales-tax-on-shipping-by-state/Tue, 20 Oct 2026 12:00:00 GMTIs shipping taxable by state? Learn how labels, mixed carts and free shipping affect sales tax on shipping, and how to set checkout tax correctly.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/digital-products/is-saas-taxable-sales-tax-on-software-subscriptions-by-state/https://www.mannypay.io/beyond-the-swipe/industries/digital-products/is-saas-taxable-sales-tax-on-software-subscriptions-by-state/Tue, 20 Oct 2026 12:00:00 GMTLearn how sales tax on SaaS by state works, which classifications make subscriptions taxable, and how to handle bundles, exemptions and billing setup.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/veterinary/is-pet-medication-taxable-sales-tax-on-vet-services-by-state/https://www.mannypay.io/beyond-the-swipe/industries/veterinary/is-pet-medication-taxable-sales-tax-on-vet-services-by-state/Tue, 20 Oct 2026 12:00:00 GMTLearn how sales tax on veterinary services works, which pet meds, diets, boarding and grooming may be taxed, and how to code your PMS and POS correctly.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/moving/is-moving-taxable-sales-tax-on-moves-boxes-and-storage/https://www.mannypay.io/beyond-the-swipe/industries/moving/is-moving-taxable-sales-tax-on-moves-boxes-and-storage/Tue, 20 Oct 2026 12:00:00 GMTIs moving service taxable? Learn how labor, interstate transport, boxes, crating and storage are taxed so your invoices collect the right tax.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/car-dealerships/irs-form-8300-for-car-dealers-cash-cashier-s-checks-structuring/https://www.mannypay.io/beyond-the-swipe/industries/car-dealerships/irs-form-8300-for-car-dealers-cash-cashier-s-checks-structuring/Tue, 20 Oct 2026 12:00:00 GMTA Form 8300 car dealership guide: what counts as cash, how split down payments and BHPH installments add up, and how to handle structuring attempts.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/comparisons/interchange-plus-vs-flat-rate-pricing-which-costs-less/https://www.mannypay.io/beyond-the-swipe/comparisons/interchange-plus-vs-flat-rate-pricing-which-costs-less/Tue, 20 Oct 2026 12:00:00 GMTCompare interchange plus vs. flat rate pricing with side-by-side cost math at $10K, $50K and $150K a month, and learn to find your effective rate.Comparisons & Buying Guides https://www.mannypay.io/beyond-the-swipe/merchant-education/interchange-plus-pricing-why-low-risk-merchants-should-ask/https://www.mannypay.io/beyond-the-swipe/merchant-education/interchange-plus-pricing-why-low-risk-merchants-should-ask/Tue, 20 Oct 2026 12:00:00 GMTLearn how interchange plus pricing works, why low-risk merchants have leverage to get it, and the break-even math showing when it beats flat-rate fees.Merchant Education & Growth https://www.mannypay.io/beyond-the-swipe/industries/medical/integrating-payments-with-dentrix-eaglesoft-and-open-dental/https://www.mannypay.io/beyond-the-swipe/industries/medical/integrating-payments-with-dentrix-eaglesoft-and-open-dental/Tue, 20 Oct 2026 12:00:00 GMTDentrix payment integration explained, plus Eaglesoft and Open Dental: how ledger posting works, what bundled processing costs and how to switch safely.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/medical/insurers-paying-you-by-virtual-card-how-to-avoid-the-3-5-fee/https://www.mannypay.io/beyond-the-swipe/industries/medical/insurers-paying-you-by-virtual-card-how-to-avoid-the-3-5-fee/Tue, 20 Oct 2026 12:00:00 GMTInsurance virtual credit card payments to providers carry a card fee on every payment. Learn how to switch to ACH and key cards at lower cost.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/grocery/instacart-vs-doordash-vs-uber-eats-for-independent-grocers/https://www.mannypay.io/beyond-the-swipe/industries/grocery/instacart-vs-doordash-vs-uber-eats-for-independent-grocers/Tue, 20 Oct 2026 12:00:00 GMTInstacart vs. DoorDash for grocery stores, plus Uber Eats: compare fees, markups, EBT, inventory sync and payouts, and see when your own online store wins.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industry-news/illinois-interchange-fee-prohibition-act-delay-lawsuit-next-steps/https://www.mannypay.io/beyond-the-swipe/industry-news/illinois-interchange-fee-prohibition-act-delay-lawsuit-next-steps/Tue, 20 Oct 2026 12:00:00 GMTWhere the Illinois Interchange Fee Prohibition Act stands after the 2027 delay vote and court rulings, and how to prepare your POS for tax and tip data.Payments News https://www.mannypay.io/beyond-the-swipe/filipino-entrepreneurs/how-to-take-deposits-for-lechon-and-catering-orders/https://www.mannypay.io/beyond-the-swipe/filipino-entrepreneurs/how-to-take-deposits-for-lechon-and-catering-orders/Tue, 20 Oct 2026 12:00:00 GMTLearn how to take deposits for catering orders, from lechon to debut parties, with payment links, clear policies and records that hold up in disputes.Filipino Businesses & Entrepreneurs https://www.mannypay.io/beyond-the-swipe/merchant-education/how-to-start-a-customer-loyalty-program-that-pays-for-itself/https://www.mannypay.io/beyond-the-swipe/merchant-education/how-to-start-a-customer-loyalty-program-that-pays-for-itself/Tue, 20 Oct 2026 12:00:00 GMTLearn how to start a loyalty program using your average ticket and margin, so rewards bring customers back more often without giving away your profit.Merchant Education & Growth https://www.mannypay.io/beyond-the-swipe/industries/shopify-stores/how-to-respond-to-a-chargeback-in-shopify-step-by-step/https://www.mannypay.io/beyond-the-swipe/industries/shopify-stores/how-to-respond-to-a-chargeback-in-shopify-step-by-step/Tue, 20 Oct 2026 12:00:00 GMTLearn how to respond to a chargeback on Shopify: find the dispute, meet the deadline, add the evidence Shopify won't pre-fill, and know when to accept.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/cannabis/how-to-open-a-bank-account-for-your-dispensary-and-what-it-costs/https://www.mannypay.io/beyond-the-swipe/industries/cannabis/how-to-open-a-bank-account-for-your-dispensary-and-what-it-costs/Tue, 20 Oct 2026 12:00:00 GMTLearn what banks and credit unions require to open a bank account for your dispensary, from license documents to monthly compliance and cash deposit fees.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/retail/how-to-offer-layaway-in-your-store-payments-fees-and-rules/https://www.mannypay.io/beyond-the-swipe/industries/retail/how-to-offer-layaway-in-your-store-payments-fees-and-rules/Tue, 20 Oct 2026 12:00:00 GMTLearn how to offer layaway in your store: set deposits and terms, track balances in your POS, automate card payments, and follow state disclosure rules.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/furniture/how-to-offer-customer-financing-at-your-furniture-store/https://www.mannypay.io/beyond-the-swipe/industries/furniture/how-to-offer-customer-financing-at-your-furniture-store/Tue, 20 Oct 2026 12:00:00 GMTFurniture store financing for retailers: combine prime, second-look and lease-to-own lenders to close more sales, control fees and handle returns.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/health-beauty/how-to-collect-booth-rent-from-stylists-automatically/https://www.mannypay.io/beyond-the-swipe/industries/health-beauty/how-to-collect-booth-rent-from-stylists-automatically/Tue, 20 Oct 2026 12:00:00 GMTLearn how to collect booth rent from stylists by ACH or card autopay, with authorization, late-fee and lease terms that keep renters paying on time.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/merchant-education/how-to-choose-a-merchant-service-provider-12-questions-to-ask/https://www.mannypay.io/beyond-the-swipe/merchant-education/how-to-choose-a-merchant-service-provider-12-questions-to-ask/Tue, 20 Oct 2026 12:00:00 GMTChoosing a merchant service provider? Ask these 12 questions before you sign to spot junk fees, lease traps, funding holds and weak support.Merchant Education & Growth https://www.mannypay.io/beyond-the-swipe/industries/grocery/how-to-accept-otc-and-healthy-food-benefit-cards-at-your-grocery/https://www.mannypay.io/beyond-the-swipe/industries/grocery/how-to-accept-otc-and-healthy-food-benefit-cards-at-your-grocery/Tue, 20 Oct 2026 12:00:00 GMTLearn how to accept OTC cards at your grocery store, from item-level eligibility files and POS setup to split tender, reconciliation and reaching seniors.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/grocery/how-to-accept-ebt-at-your-grocery-store-snap-approval-to-checkout/https://www.mannypay.io/beyond-the-swipe/industries/grocery/how-to-accept-ebt-at-your-grocery-store-snap-approval-to-checkout/Tue, 20 Oct 2026 12:00:00 GMTLearn how to accept EBT at grocery store checkouts: get SNAP retailer authorization from FNS, choose EBT equipment, and set up your POS and cashiers.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/events-ticketing/how-much-should-ticket-service-fees-be-pricing-to-cover-costs/https://www.mannypay.io/beyond-the-swipe/industries/events-ticketing/how-much-should-ticket-service-fees-be-pricing-to-cover-costs/Tue, 20 Oct 2026 12:00:00 GMTHow much should ticket service fees be? Use our per-ticket fee math for $15, $50 and $150 tickets to cover processing, refunds and chargebacks.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/merchant-education/how-long-do-credit-card-deposits-take-batches-weekends-holidays/https://www.mannypay.io/beyond-the-swipe/merchant-education/how-long-do-credit-card-deposits-take-batches-weekends-holidays/Tue, 20 Oct 2026 12:00:00 GMTHow long do credit card deposits take? Learn how batch cutoffs, ACH timing, weekends and bank holidays affect when card sales reach your bank account.Merchant Education & Growth https://www.mannypay.io/beyond-the-swipe/chargebacks-fraud-security/how-chargebacks-work-the-full-dispute-lifecycle-step-by-step/https://www.mannypay.io/beyond-the-swipe/chargebacks-fraud-security/how-chargebacks-work-the-full-dispute-lifecycle-step-by-step/Tue, 20 Oct 2026 12:00:00 GMTHow do chargebacks work? Follow each stage from dispute to arbitration, see when money leaves your account, and learn where you can step in.Chargebacks, Fraud & Security https://www.mannypay.io/beyond-the-swipe/industries/moving/hourly-local-moves-card-holds-minimums-and-final-charges/https://www.mannypay.io/beyond-the-swipe/industries/moving/hourly-local-moves-card-holds-minimums-and-final-charges/Tue, 20 Oct 2026 12:00:00 GMTGet hourly moving company payment right: size card holds against minimum hours and travel time, then capture the real final bill without double charges.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/hotels/hotel-no-show-charges-card-network-rules-for-guaranteed-bookings/https://www.mannypay.io/beyond-the-swipe/industries/hotels/hotel-no-show-charges-card-network-rules-for-guaranteed-bookings/Tue, 20 Oct 2026 12:00:00 GMTLearn the card network rules behind a hotel no-show charge: what to disclose, how to issue cancellation numbers, and how to process charges that hold up.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/hotels/hotel-incidental-holds-how-much-to-authorize-and-when-to-release/https://www.mannypay.io/beyond-the-swipe/industries/hotels/hotel-incidental-holds-how-much-to-authorize-and-when-to-release/Tue, 20 Oct 2026 12:00:00 GMTLearn how to size a hotel incidental hold at check-in, use incremental authorizations for extensions, and release holds quickly to avoid guest complaints.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/hotels/hotel-credit-card-processing-fees-lodging-rates-explained/https://www.mannypay.io/beyond-the-swipe/industries/hotels/hotel-credit-card-processing-fees-lodging-rates-explained/Tue, 20 Oct 2026 12:00:00 GMTUnderstand hotel credit card processing fees: lodging interchange, why keyed, corporate and foreign cards cost more, and how to lower your effective rate.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/hotels/hotel-chargebacks-winning-no-show-fraud-and-didn-t-stay-cases/https://www.mannypay.io/beyond-the-swipe/industries/hotels/hotel-chargebacks-winning-no-show-fraud-and-didn-t-stay-cases/Tue, 20 Oct 2026 12:00:00 GMTLearn which registration cards, folios, key-card logs and Wi-Fi records help win hotel chargebacks for no-show, fraud and 'didn't stay' disputes.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/hotels/hotel-booking-engine-payments-taking-direct-bookings-without-otas/https://www.mannypay.io/beyond-the-swipe/industries/hotels/hotel-booking-engine-payments-taking-direct-bookings-without-otas/Tue, 20 Oct 2026 12:00:00 GMTCompare a hotel booking engine payment gateway on tokenized guarantees, deposits, 3D Secure and lock-in so direct bookings cost less than OTA commissions.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/hotels/hotel-advance-deposits-visa-and-mastercard-rules-for-prepaid-stays/https://www.mannypay.io/beyond-the-swipe/industries/hotels/hotel-advance-deposits-visa-and-mastercard-rules-for-prepaid-stays/Tue, 20 Oct 2026 12:00:00 GMTBuild a hotel advance deposit policy that holds up in disputes: what to disclose, how to confirm and cancel prepaid stays, and how to handle refunds.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/filipino-american-businesses/hot-food-counter-in-a-filipino-grocery-sales-tax-and-ebt-rules/https://www.mannypay.io/beyond-the-swipe/industries/filipino-american-businesses/hot-food-counter-in-a-filipino-grocery-sales-tax-and-ebt-rules/Tue, 20 Oct 2026 12:00:00 GMTRun a hot food counter in a grocery? Learn how EBT, SNAP's hot food rule and prepared food sales tax apply to ulam and kakanin, and how to set up your POS.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/contractors/homeowner-won-t-pay-mechanic-s-lien-steps-and-deadlines/https://www.mannypay.io/beyond-the-swipe/industries/contractors/homeowner-won-t-pay-mechanic-s-lien-steps-and-deadlines/Tue, 20 Oct 2026 12:00:00 GMTLearn how to file a mechanics lien, from preliminary notice to notice of intent, and how to collect by card or ACH before you ever need to file.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/home-healthcare/home-care-credit-card-fees-on-4-000-monthly-client-invoices/https://www.mannypay.io/beyond-the-swipe/industries/home-healthcare/home-care-credit-card-fees-on-4-000-monthly-client-invoices/Tue, 20 Oct 2026 12:00:00 GMTSee how home care credit card processing fees add up on large monthly invoices, and when moving private-pay clients to ACH can save thousands a year.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/home-healthcare/home-care-chargebacks-when-families-dispute-caregiver-hours/https://www.mannypay.io/beyond-the-swipe/industries/home-healthcare/home-care-chargebacks-when-families-dispute-caregiver-hours/Tue, 20 Oct 2026 12:00:00 GMTLearn how to fight a home care chargeback with EVV logs, signed care plans and smart service agreements, including disputes after a client passes away.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/home-healthcare/home-care-agency-merchant-accounts-why-processors-hesitate/https://www.mannypay.io/beyond-the-swipe/industries/home-healthcare/home-care-agency-merchant-accounts-why-processors-hesitate/Tue, 20 Oct 2026 12:00:00 GMTLearn why processors hesitate on a home care agency merchant account and how to prepare documents that improve approval odds and limit reserves.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/marketplaces/holding-payouts-for-new-marketplace-sellers-how-long-is-fair/https://www.mannypay.io/beyond-the-swipe/industries/marketplaces/holding-payouts-for-new-marketplace-sellers-how-long-is-fair/Tue, 20 Oct 2026 12:00:00 GMTSet a fair marketplace seller payout delay with tiered holds tied to delivery, seller history and dispute windows to cut fraud without losing good sellers.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/digital-products/high-ticket-coaching-merchant-accounts-why-5k-sales-get-held/https://www.mannypay.io/beyond-the-swipe/industries/digital-products/high-ticket-coaching-merchant-accounts-why-5k-sales-get-held/Tue, 20 Oct 2026 12:00:00 GMTLearn why processors hold $5K coaching sales and the records that keep a high-ticket coaching merchant account open and win disputes.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/gyms-martial-arts/gym-presales-collecting-founding-memberships-before-you-open/https://www.mannypay.io/beyond-the-swipe/industries/gyms-martial-arts/gym-presales-collecting-founding-memberships-before-you-open/Tue, 20 Oct 2026 12:00:00 GMTRun a gym presale founding member campaign without frozen funds or chargebacks: structure deposits, set first billing dates and plan for opening delays.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/boxing-fitness/gym-membership-freeze-fees-billing-holds-without-losing-members/https://www.mannypay.io/beyond-the-swipe/industries/boxing-fitness/gym-membership-freeze-fees-billing-holds-without-losing-members/Tue, 20 Oct 2026 12:00:00 GMTLearn how to set a gym membership freeze fee, pause and auto-resume dues, follow state rules and keep cards on file valid so members come back.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/boxing-fitness/gym-membership-chargebacks-freeze-injury-and-i-moved-disputes/https://www.mannypay.io/beyond-the-swipe/industries/boxing-fitness/gym-membership-chargebacks-freeze-injury-and-i-moved-disputes/Tue, 20 Oct 2026 12:00:00 GMTLearn how to fight a gym membership chargeback over freezes, injuries and relocations, using check-in logs, clear policies and a better signup flow.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/boxing-fitness/gym-credit-card-processing-fees-what-fitness-clubs-should-pay/https://www.mannypay.io/beyond-the-swipe/industries/boxing-fitness/gym-credit-card-processing-fees-what-fitness-clubs-should-pay/Tue, 20 Oct 2026 12:00:00 GMTLearn what drives gym credit card processing fees, how card-on-file dues and ACH drafts shape your real rate, and how to spot hidden fees before you switch.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/boxing-fitness/gym-contract-laws-by-state-health-club-acts-and-cancellation-rights/https://www.mannypay.io/beyond-the-swipe/industries/boxing-fitness/gym-contract-laws-by-state-health-club-acts-and-cancellation-rights/Tue, 20 Oct 2026 12:00:00 GMTGym contract laws by state cover cooling-off periods, contract length caps, bonding for prepaid dues and cancellations. Learn how to align your billing.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/gyms-martial-arts/gym-billing-company-vs-in-house-eft-which-keeps-more-dues/https://www.mannypay.io/beyond-the-swipe/industries/gyms-martial-arts/gym-billing-company-vs-in-house-eft-which-keeps-more-dues/Tue, 20 Oct 2026 12:00:00 GMTCompare a gym billing company's fees with in-house EFT billing, with sample math for a 300-member gym and a 150-student dojo, plus contract red flags.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/firearms/gun-store-credit-card-processing-fees-what-s-a-fair-rate/https://www.mannypay.io/beyond-the-swipe/industries/firearms/gun-store-credit-card-processing-fees-what-s-a-fair-rate/Tue, 20 Oct 2026 12:00:00 GMTUnderstand gun store credit card processing fees: what drives your rate, which high-risk markups you can negotiate and how to read your statement.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/merchant-education/guest-checkout-vs-forced-accounts-which-converts-better/https://www.mannypay.io/beyond-the-swipe/merchant-education/guest-checkout-vs-forced-accounts-which-converts-better/Tue, 20 Oct 2026 12:00:00 GMTGuest checkout or forced accounts? Learn why required sign-ups cost sales and how to keep customer data and repeat buyers without them.Merchant Education & Growth https://www.mannypay.io/beyond-the-swipe/industries/grocery/grocery-sales-tax-by-state-food-prepared-food-and-your-pos/https://www.mannypay.io/beyond-the-swipe/industries/grocery/grocery-sales-tax-by-state-food-prepared-food-and-your-pos/Tue, 20 Oct 2026 12:00:00 GMTSee how grocery tax by state works for food, prepared food, candy and soda, and how to set POS tax groups so you charge the right amount at checkout.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/contractors/greensky-vs-synchrony-vs-service-finance-for-contractors/https://www.mannypay.io/beyond-the-swipe/industries/contractors/greensky-vs-synchrony-vs-service-finance-for-contractors/Tue, 20 Oct 2026 12:00:00 GMTCompare home improvement financing for contractors: how dealer fees, funding timing, approvals and loan limits affect your margin and close rate.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/telehealth/glp-1-weight-loss-subscriptions-billing-through-dose-changes/https://www.mannypay.io/beyond-the-swipe/industries/telehealth/glp-1-weight-loss-subscriptions-billing-through-dose-changes/Tue, 20 Oct 2026 12:00:00 GMTHow GLP-1 subscription billing can handle dose increases, paused shipments and refill holds without charging patients for medication they never receive.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/nonprofits/givebutter-vs-donorbox-vs-zeffy-true-cost-of-free-donation-tools/https://www.mannypay.io/beyond-the-swipe/industries/nonprofits/givebutter-vs-donorbox-vs-zeffy-true-cost-of-free-donation-tools/Tue, 20 Oct 2026 12:00:00 GMTGivebutter vs Donorbox vs Zeffy compared: platform fees, processing costs and donor tips, so your nonprofit can see what a $100 gift really nets.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/events-ticketing/getting-ticket-revenue-before-the-show-payouts-vs-delayed-funding/https://www.mannypay.io/beyond-the-swipe/industries/events-ticketing/getting-ticket-revenue-before-the-show-payouts-vs-delayed-funding/Tue, 20 Oct 2026 12:00:00 GMTNeed a ticket sales payout before the event? Learn why processors hold presale funds, how to negotiate partial releases and what ticketing advances cost.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/travel/future-delivery-risk-why-processors-hold-funds-on-travel-bookings/https://www.mannypay.io/beyond-the-swipe/industries/travel/future-delivery-risk-why-processors-hold-funds-on-travel-bookings/Tue, 20 Oct 2026 12:00:00 GMTLearn how processors measure future delivery risk in travel, why they hold booking funds, and how to restructure deposits and payouts to shrink holds.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/furniture/furniture-store-credit-card-fees-big-ticket-rates-and-mcc-5712/https://www.mannypay.io/beyond-the-swipe/industries/furniture/furniture-store-credit-card-fees-big-ticket-rates-and-mcc-5712/Tue, 20 Oct 2026 12:00:00 GMTLearn what drives furniture store credit card processing fees, from MCC 5712 to rewards cards and keyed orders, and how to judge a fair rate.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/furniture/furniture-chargebacks-winning-late-delivery-and-damage-disputes/https://www.mannypay.io/beyond-the-swipe/industries/furniture/furniture-chargebacks-winning-late-delivery-and-damage-disputes/Tue, 20 Oct 2026 12:00:00 GMTFurniture store chargebacks can surface months after a deposit. Learn which signed ETAs, delay notices, delivery tickets and photos win disputes.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/car-dealerships/ftc-safeguards-rule-for-car-dealers-protecting-payment-and-deal-data/https://www.mannypay.io/beyond-the-swipe/industries/car-dealerships/ftc-safeguards-rule-for-car-dealers-protecting-payment-and-deal-data/Tue, 20 Oct 2026 12:00:00 GMTLearn what the FTC Safeguards Rule means for your car dealership, from data security planning to breach response, and how to protect deal data.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industry-news/ftc-junk-fee-rule-total-price-rules-for-tickets-and-hotels/https://www.mannypay.io/beyond-the-swipe/industry-news/ftc-junk-fee-rule-total-price-rules-for-tickets-and-hotels/Tue, 20 Oct 2026 12:00:00 GMTThe FTC junk fee rule for tickets and hotels requires all-in pricing. Learn what the total price must include and how card surcharges fit at checkout.Payments News https://www.mannypay.io/beyond-the-swipe/chargebacks-fraud-security/friendly-fraud-how-to-spot-it-and-fight-back-without-losing-customers/https://www.mannypay.io/beyond-the-swipe/chargebacks-fraud-security/friendly-fraud-how-to-spot-it-and-fight-back-without-losing-customers/Tue, 20 Oct 2026 12:00:00 GMTLearn how to tell friendly fraud from buyer's remorse and billing confusion, gather evidence that wins disputes, and keep the customers worth keeping.Chargebacks, Fraud & Security https://www.mannypay.io/beyond-the-swipe/industries/salons-spas/fresha-vs-booksy-what-free-salon-software-really-costs-in-fees/https://www.mannypay.io/beyond-the-swipe/industries/salons-spas/fresha-vs-booksy-what-free-salon-software-really-costs-in-fees/Tue, 20 Oct 2026 12:00:00 GMTFresha vs Booksy: compare card processing, new-client charges, add-ons and payouts, and model your salon's true monthly software cost.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/nonprofits/fraudsters-testing-stolen-cards-on-your-donation-page-stop-it-fast/https://www.mannypay.io/beyond-the-swipe/industries/nonprofits/fraudsters-testing-stolen-cards-on-your-donation-page-stop-it-fast/Tue, 20 Oct 2026 12:00:00 GMTSeeing fraudulent small donations on your website? Learn why card testers target donation forms and the settings that stop them before fees pile up.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/food-trucks/food-truck-sales-tax-collecting-the-right-rate-at-every-stop/https://www.mannypay.io/beyond-the-swipe/industries/food-trucks/food-truck-sales-tax-collecting-the-right-rate-at-every-stop/Tue, 20 Oct 2026 12:00:00 GMTLearn how food truck sales tax works when you move between cities, how to set up location-based POS tax rates and which reports to keep for filing.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/food-trucks/food-truck-processing-fees-why-small-tickets-cost-you-more/https://www.mannypay.io/beyond-the-swipe/industries/food-trucks/food-truck-processing-fees-why-small-tickets-cost-you-more/Tue, 20 Oct 2026 12:00:00 GMTSee how food truck credit card fees add up on $10–$15 tickets, compare flat-rate and interchange-plus pricing, and spot hidden fees on your statement.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/food-trucks/food-truck-merchant-accounts-how-new-trucks-get-approved-fast/https://www.mannypay.io/beyond-the-swipe/industries/food-trucks/food-truck-merchant-accounts-how-new-trucks-get-approved-fast/Tue, 20 Oct 2026 12:00:00 GMTGetting a food truck merchant account with no sales history? Learn what underwriters check, what to prepare, and how to avoid holds at big events.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/food-trucks/food-truck-credit-card-surcharges-and-cash-discounts-the-rules/https://www.mannypay.io/beyond-the-swipe/industries/food-trucks/food-truck-credit-card-surcharges-and-cash-discounts-the-rules/Tue, 20 Oct 2026 12:00:00 GMTLearn the food truck credit card surcharge rules, how cash discounts and dual pricing differ, and how to set up compliant signage and POS settings.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/low-risk-ecommerce/flat-rate-vs-interchange-plus-when-your-store-should-switch/https://www.mannypay.io/beyond-the-swipe/industries/low-risk-ecommerce/flat-rate-vs-interchange-plus-when-your-store-should-switch/Tue, 20 Oct 2026 12:00:00 GMTCompare interchange-plus vs. flat-rate ecommerce pricing, run the break-even math on your own volume and card mix, and switch without breaking checkout.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/professional-services/flat-fees-earned-upon-receipt-which-account-gets-the-card-payment/https://www.mannypay.io/beyond-the-swipe/industries/professional-services/flat-fees-earned-upon-receipt-which-account-gets-the-card-payment/Tue, 20 Oct 2026 12:00:00 GMTIs a flat fee earned upon receipt a trust or operating deposit? Learn how to route card payments and handle refunds and chargebacks safely.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/firearms/firearms-merchant-accounts-why-gun-stores-get-declined/https://www.mannypay.io/beyond-the-swipe/industries/firearms/firearms-merchant-accounts-why-gun-stores-get-declined/Tue, 20 Oct 2026 12:00:00 GMTLearn why gun stores get declined for a firearms merchant account, what underwriters check, and how FFL dealers can prepare an application that holds up.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/filipino-american-businesses/filipino-bakery-card-fees-pandesal-small-tickets-and-minimums/https://www.mannypay.io/beyond-the-swipe/industries/filipino-american-businesses/filipino-bakery-card-fees-pandesal-small-tickets-and-minimums/Tue, 20 Oct 2026 12:00:00 GMTLower Filipino bakery credit card fees on pandesal and turo-turo sales: compare pricing models, small-ticket rates, minimum rules and cash discount options.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/salons-spas/fica-tip-credit-for-salons-recovering-payroll-tax-on-card-tips/https://www.mannypay.io/beyond-the-swipe/industries/salons-spas/fica-tip-credit-for-salons-recovering-payroll-tax-on-card-tips/Tue, 20 Oct 2026 12:00:00 GMTLearn how the FICA tip credit for salons works, which staff and services may count, and how to use POS tip reports to prepare a claim.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/firearms/ffl-transfer-fees-how-to-price-collect-and-refund-them/https://www.mannypay.io/beyond-the-swipe/industries/firearms/ffl-transfer-fees-how-to-price-collect-and-refund-them/Tue, 20 Oct 2026 12:00:00 GMTSet 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.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/nutraceuticals/fda-warning-letter-for-your-supplement-brand-protect-your-processor/https://www.mannypay.io/beyond-the-swipe/industries/nutraceuticals/fda-warning-letter-for-your-supplement-brand-protect-your-processor/Tue, 20 Oct 2026 12:00:00 GMTAn FDA warning letter can put a supplement company's merchant account at risk. Learn how to respond, talk to your processor and protect your payments.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/travel/fareharbor-vs-peek-vs-rezdy-tour-booking-payment-fees-compared/https://www.mannypay.io/beyond-the-swipe/industries/travel/fareharbor-vs-peek-vs-rezdy-tour-booking-payment-fees-compared/Tue, 20 Oct 2026 12:00:00 GMTFareHarbor vs Peek vs Rezdy: learn how to compare booking fees, processing rates and payout timing, and when using your own merchant account makes sense.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/low-risk-ecommerce/false-declines-why-good-customers-cards-fail-at-your-checkout/https://www.mannypay.io/beyond-the-swipe/industries/low-risk-ecommerce/false-declines-why-good-customers-cards-fail-at-your-checkout/Tue, 20 Oct 2026 12:00:00 GMTFalse declines in ecommerce cost you real customers. Learn what decline codes mean, who declined the order, and how to recover legitimate sales.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/apparel/facebook-and-instagram-live-sales-getting-paid-without-the-chaos/https://www.mannypay.io/beyond-the-swipe/industries/apparel/facebook-and-instagram-live-sales-getting-paid-without-the-chaos/Tue, 20 Oct 2026 12:00:00 GMTSet up Facebook Live sales boutique payments that turn "sold" comments into paid invoices, release unpaid claims and cut chargeback risk.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/dropshipping/facebook-ad-bills-vs-shopify-payouts-fixing-dropship-cash-flow/https://www.mannypay.io/beyond-the-swipe/industries/dropshipping/facebook-ad-bills-vs-shopify-payouts-fixing-dropship-cash-flow/Tue, 20 Oct 2026 12:00:00 GMTFix dropshipping cash flow when Meta and TikTok ad bills hit before payouts land. Map the timing gap, float ad spend safely and fund scaling.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/events-ticketing/eventbrite-alternatives-cutting-ticket-fees-with-your-own-checkout/https://www.mannypay.io/beyond-the-swipe/industries/events-ticketing/eventbrite-alternatives-cutting-ticket-fees-with-your-own-checkout/Tue, 20 Oct 2026 12:00:00 GMTCompare Eventbrite alternatives with lower fees: flat-fee and self-hosted ticketing, per-ticket math, payout timing and who owns buyer data.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/ecommerce/etsy-payment-account-reserve-why-it-happens-and-how-to-lift-it/https://www.mannypay.io/beyond-the-swipe/industries/ecommerce/etsy-payment-account-reserve-why-it-happens-and-how-to-lift-it/Tue, 20 Oct 2026 12:00:00 GMTLearn what triggers an Etsy payment account reserve, how holds are released, and the shop changes and cash flow steps that help you get paid sooner.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/low-risk-ecommerce/etsy-fees-vs-your-own-website-when-leaving-etsy-pays-off/https://www.mannypay.io/beyond-the-swipe/industries/low-risk-ecommerce/etsy-fees-vs-your-own-website-when-leaving-etsy-pays-off/Tue, 20 Oct 2026 12:00:00 GMTCompare Etsy fees vs own website costs, including processing, hosting and traffic, and use a simple formula to find when leaving Etsy pays off.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/jewelry/engagement-ring-return-policies-refunds-restocking-and-resizing/https://www.mannypay.io/beyond-the-swipe/industries/jewelry/engagement-ring-return-policies-refunds-restocking-and-resizing/Tue, 20 Oct 2026 12:00:00 GMTWrite a jewelry store return policy for engagement rings that covers return windows, restocking fees and custom pieces, and holds up in a dispute.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/veterinary/emergency-vet-deposits-collecting-payment-before-treatment/https://www.mannypay.io/beyond-the-swipe/industries/veterinary/emergency-vet-deposits-collecting-payment-before-treatment/Tue, 20 Oct 2026 12:00:00 GMTA practical emergency vet deposit workflow for ER and specialty hospitals: estimate ranges, card holds, top-ups and refunds without stalling care.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/plumbing/emergency-plumbing-calls-collecting-after-hours-fees-upfront/https://www.mannypay.io/beyond-the-swipe/industries/plumbing/emergency-plumbing-calls-collecting-after-hours-fees-upfront/Tue, 20 Oct 2026 12:00:00 GMTSet and collect an emergency plumber after-hours fee before your tech rolls, with phone scripts, card-on-file steps and records that hold up in disputes.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/ecommerce/ecommerce-credit-card-processing-fees-what-online-stores-should-pay/https://www.mannypay.io/beyond-the-swipe/industries/ecommerce/ecommerce-credit-card-processing-fees-what-online-stores-should-pay/Tue, 20 Oct 2026 12:00:00 GMTLearn how ecommerce credit card processing fees work, how to find your effective rate from one statement, and how to spot overpaying.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/dropshipping/dropshipping-tracking-numbers-why-disputes-reject-them-as-proof/https://www.mannypay.io/beyond-the-swipe/industries/dropshipping/dropshipping-tracking-numbers-why-disputes-reject-them-as-proof/Tue, 20 Oct 2026 12:00:00 GMTLearn why a dropshipping tracking number from a consolidator often fails as chargeback proof, and how to get last-mile tracking card issuers accept.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/dropshipping/dropshipping-profit-margin-after-payment-fees-refunds-and-fx/https://www.mannypay.io/beyond-the-swipe/industries/dropshipping/dropshipping-profit-margin-after-payment-fees-refunds-and-fx/Tue, 20 Oct 2026 12:00:00 GMTCalculate your real dropshipping profit margin with a per-order model that counts payment fees, refunds, chargebacks, currency conversion and reserves.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/dropshipping/dropshipping-chargebacks-winning-disputes-on-supplier-shipped-orders/https://www.mannypay.io/beyond-the-swipe/industries/dropshipping/dropshipping-chargebacks-winning-disputes-on-supplier-shipped-orders/Tue, 20 Oct 2026 12:00:00 GMTLearn how to fight dropshipping chargebacks on orders you never touched: supplier evidence, last-mile tracking, listing records and dispute rate control.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/liquor-stores/doordash-vs-uber-eats-vs-instacart-for-liquor-stores-real-fees/https://www.mannypay.io/beyond-the-swipe/industries/liquor-stores/doordash-vs-uber-eats-vs-instacart-for-liquor-stores-real-fees/Tue, 20 Oct 2026 12:00:00 GMTComparing DoorDash alcohol delivery for liquor stores with Uber Eats and Instacart: commissions, payouts, failed ID returns and how to protect margin.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/telehealth/does-stripe-allow-telehealth-stripe-paypal-and-square-rules/https://www.mannypay.io/beyond-the-swipe/industries/telehealth/does-stripe-allow-telehealth-stripe-paypal-and-square-rules/Tue, 20 Oct 2026 12:00:00 GMTDoes Stripe allow telehealth? Learn how Stripe, PayPal, and Square treat telemedicine and pharmacy sales, why accounts close later, and what to do next.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/dropshipping/does-stripe-allow-dropshipping-stripe-paypal-shopify-rules/https://www.mannypay.io/beyond-the-swipe/industries/dropshipping/does-stripe-allow-dropshipping-stripe-paypal-shopify-rules/Tue, 20 Oct 2026 12:00:00 GMTDoes Stripe allow dropshipping? See what Stripe, PayPal and Shopify Payments permit and the shipping and refund signals that close accounts.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/vape/does-square-stripe-or-shopify-allow-vape-shops/https://www.mannypay.io/beyond-the-swipe/industries/vape/does-square-stripe-or-shopify-allow-vape-shops/Tue, 20 Oct 2026 12:00:00 GMTDoes 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.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/7oh/does-square-stripe-or-shopify-allow-7-oh-what-happens-if-you-try/https://www.mannypay.io/beyond-the-swipe/industries/7oh/does-square-stripe-or-shopify-allow-7-oh-what-happens-if-you-try/Tue, 20 Oct 2026 12:00:00 GMTDoes 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.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/kratom/does-shopify-square-or-stripe-allow-kratom-what-happens-if-you-try/https://www.mannypay.io/beyond-the-swipe/industries/kratom/does-shopify-square-or-stripe-allow-kratom-what-happens-if-you-try/Tue, 20 Oct 2026 12:00:00 GMTDoes Shopify allow kratom? Learn where Shopify, Square, Stripe and PayPal stand, what happens if you sneak through, and how to keep selling compliantly.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/peptides/do-research-use-only-labels-protect-your-peptide-processor/https://www.mannypay.io/beyond-the-swipe/industries/peptides/do-research-use-only-labels-protect-your-peptide-processor/Tue, 20 Oct 2026 12:00:00 GMTSelling research use only peptides? Learn why processors look past RUO disclaimers, which site signals undermine them, and what a credible model looks like.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/cannabis/dispensary-bank-account-closed-what-to-do-in-the-first-30-days/https://www.mannypay.io/beyond-the-swipe/industries/cannabis/dispensary-bank-account-closed-what-to-do-in-the-first-30-days/Tue, 20 Oct 2026 12:00:00 GMTDispensary 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.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/medical/direct-primary-care-membership-billing-setup-fees-and-churn/https://www.mannypay.io/beyond-the-swipe/industries/medical/direct-primary-care-membership-billing-setup-fees-and-churn/Tue, 20 Oct 2026 12:00:00 GMTSet up direct primary care membership billing that holds up: family tiers, enrollment fees, ACH vs. card costs, state law wording and fewer failed payments.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/comparisons/debit-vs-credit-card-processing-fees-what-merchants-pay/https://www.mannypay.io/beyond-the-swipe/comparisons/debit-vs-credit-card-processing-fees-what-merchants-pay/Tue, 20 Oct 2026 12:00:00 GMTDebit vs credit card processing fees explained: regulated vs. exempt debit, PIN vs. signature routing, and how to see debit savings on your statement.Comparisons & Buying Guides https://www.mannypay.io/beyond-the-swipe/industries/hotels/debit-card-holds-at-hotel-check-in-policies-that-stop-complaints/https://www.mannypay.io/beyond-the-swipe/industries/hotels/debit-card-holds-at-hotel-check-in-policies-that-stop-complaints/Tue, 20 Oct 2026 12:00:00 GMTLearn why a hotel debit card hold frustrates guests and how to set debit hold amounts, check-in scripts and release steps that cut complaints.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/car-dealerships/dealer-doc-fee-limits-by-state-what-you-can-charge-and-disclose/https://www.mannypay.io/beyond-the-swipe/industries/car-dealerships/dealer-doc-fee-limits-by-state-what-you-can-charge-and-disclose/Tue, 20 Oct 2026 12:00:00 GMTCheck your dealer doc fee by state: how caps and disclosure rules work, how to show it in ads and online prices, and how to ring it up to avoid disputes.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/7oh/dea-scheduling-of-7-oh-what-it-means-for-your-card-processing/https://www.mannypay.io/beyond-the-swipe/industries/7oh/dea-scheduling-of-7-oh-what-it-means-for-your-card-processing/Tue, 20 Oct 2026 12:00:00 GMT7-OH DEA scheduling explained for merchants: each stage from FDA recommendation to final rule, how processors react, and how to protect your funds.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/dropshipping/de-minimis-ended-tariffs-duties-and-dropshipping-chargebacks/https://www.mannypay.io/beyond-the-swipe/industries/dropshipping/de-minimis-ended-tariffs-duties-and-dropshipping-chargebacks/Tue, 20 Oct 2026 12:00:00 GMTLearn how de minimis dropshipping changes affect landed cost, and how to price duties at checkout so surprise customs bills don't become chargebacks.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/home-healthcare/daily-pay-for-caregivers-and-per-diem-nurses-costs-and-setup/https://www.mannypay.io/beyond-the-swipe/industries/home-healthcare/daily-pay-for-caregivers-and-per-diem-nurses-costs-and-setup/Tue, 20 Oct 2026 12:00:00 GMTCompare what daily pay for caregivers really costs, who pays the fees, how to fund payouts on net-30 receivables, and how to measure turnover impact.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/auto-repair/customer-won-t-pay-for-repairs-garage-keeper-s-lien-explained/https://www.mannypay.io/beyond-the-swipe/industries/auto-repair/customer-won-t-pay-for-repairs-garage-keeper-s-lien-explained/Tue, 20 Oct 2026 12:00:00 GMTLearn how a garage keeper's lien lets your shop hold a car for unpaid repairs, plus the notice, storage-fee and lien sale steps most states require.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/b2b-wholesale/customer-short-paid-the-invoice-handling-wholesale-deductions/https://www.mannypay.io/beyond-the-swipe/industries/b2b-wholesale/customer-short-paid-the-invoice-handling-wholesale-deductions/Tue, 20 Oct 2026 12:00:00 GMTCustomer short paid invoice? Learn how to sort valid, invalid and fee-related wholesale deductions and recover unauthorized short-pays before write-off.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/restaurants/credit-card-tip-adjustment-how-it-works-and-where-it-goes-wrong/https://www.mannypay.io/beyond-the-swipe/industries/restaurants/credit-card-tip-adjustment-how-it-works-and-where-it-goes-wrong/Tue, 20 Oct 2026 12:00:00 GMTLearn how credit card tip adjustment works in restaurants, why large tips get flagged, when to batch, and how to stop server errors that cost tips.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/filipino-entrepreneurs/credit-card-processing-for-filipino-restaurants-what-to-look-for/https://www.mannypay.io/beyond-the-swipe/filipino-entrepreneurs/credit-card-processing-for-filipino-restaurants-what-to-look-for/Tue, 20 Oct 2026 12:00:00 GMTCompare credit card processing for Filipino restaurants: POS features for turo-turo lines, tray deposits, small-ticket pricing and contract red flags.Filipino Businesses & Entrepreneurs https://www.mannypay.io/beyond-the-swipe/industries/car-dealerships/credit-card-down-payments-how-much-should-your-dealership-allow/https://www.mannypay.io/beyond-the-swipe/industries/car-dealerships/credit-card-down-payments-how-much-should-your-dealership-allow/Tue, 20 Oct 2026 12:00:00 GMTSet a car dealership credit card down payment limit you can defend: weigh processing costs, lender rules on borrowed down payments and chargeback risk.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/payment-processing/credit-card-authorization-holds-how-long-they-last-and-why/https://www.mannypay.io/beyond-the-swipe/payment-processing/credit-card-authorization-holds-how-long-they-last-and-why/Tue, 20 Oct 2026 12:00:00 GMTLearn how a credit card authorization hold works, how long it lasts, and how incremental auths and reversals prevent customer double-charge complaints.Payment Processing Fundamentals https://www.mannypay.io/beyond-the-swipe/industries/professional-services/cpa-credit-card-processing-fees-what-accounting-firms-should-pay/https://www.mannypay.io/beyond-the-swipe/industries/professional-services/cpa-credit-card-processing-fees-what-accounting-firms-should-pay/Tue, 20 Oct 2026 12:00:00 GMTUnderstand CPA credit card processing fees, why business cards and keyed payments cost more, and when ACH lowers the cost of large client invoices.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/education/convenience-fees-on-tuition-visa-mastercard-and-state-rules/https://www.mannypay.io/beyond-the-swipe/industries/education/convenience-fees-on-tuition-visa-mastercard-and-state-rules/Tue, 20 Oct 2026 12:00:00 GMTThinking about a convenience fee for tuition payments? Learn how fees, surcharges and dual pricing differ, plus state rules and how to disclose them.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/payment-processing/contactless-payments-for-small-business-nfc-setup-and-costs/https://www.mannypay.io/beyond-the-swipe/payment-processing/contactless-payments-for-small-business-nfc-setup-and-costs/Tue, 20 Oct 2026 12:00:00 GMTContactless payments for small business explained: how NFC tap works, which terminals to buy, what it costs and how to manage fraud and CVM limits.Payment Processing Fundamentals https://www.mannypay.io/beyond-the-swipe/industries/contractors/construction-draw-schedules-collecting-milestone-payments/https://www.mannypay.io/beyond-the-swipe/industries/contractors/construction-draw-schedules-collecting-milestone-payments/Tue, 20 Oct 2026 12:00:00 GMTSet up a construction draw schedule homeowners accept, tie each draw to a verifiable milestone, and collect by card, ACH or pay link on time.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/veterinary/connecting-card-payments-to-avimark-cornerstone-and-ezyvet/https://www.mannypay.io/beyond-the-swipe/industries/veterinary/connecting-card-payments-to-avimark-cornerstone-and-ezyvet/Tue, 20 Oct 2026 12:00:00 GMTVeterinary practice management software payment integration explained: what AVImark, Cornerstone and ezyVet links automate and the lock-in to avoid.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/contractors/conditional-vs-unconditional-lien-waivers-when-to-sign-each/https://www.mannypay.io/beyond-the-swipe/industries/contractors/conditional-vs-unconditional-lien-waivers-when-to-sign-each/Tue, 20 Oct 2026 12:00:00 GMTLearn the conditional vs unconditional lien waiver difference and when card, ACH, and check payments are final enough to sign away your lien rights.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/telehealth/compounded-glp-1-payments-why-processors-drop-semaglutide-clinics/https://www.mannypay.io/beyond-the-swipe/industries/telehealth/compounded-glp-1-payments-why-processors-drop-semaglutide-clinics/Tue, 20 Oct 2026 12:00:00 GMTCompounded semaglutide payment processing is high risk. Learn why GLP-1 telehealth clinics get terminated and how to keep a stable merchant account.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/restaurants/commission-free-online-ordering-cut-your-delivery-app-fees/https://www.mannypay.io/beyond-the-swipe/industries/restaurants/commission-free-online-ordering-cut-your-delivery-app-fees/Tue, 20 Oct 2026 12:00:00 GMTSee how commission-free online ordering for restaurants compares to delivery app fees, what direct orders cost to process, and how to shift regulars.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/furniture/collecting-the-balance-on-furniture-delivery-driver-payment-setup/https://www.mannypay.io/beyond-the-swipe/industries/furniture/collecting-the-balance-on-furniture-delivery-driver-payment-setup/Tue, 20 Oct 2026 12:00:00 GMTHow to collect payment on furniture delivery: mobile readers, basement connectivity, driver permissions and what to do when a card declines at the door.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/gyms-martial-arts/collecting-past-due-gym-dues-collections-agencies-and-the-law/https://www.mannypay.io/beyond-the-swipe/industries/gyms-martial-arts/collecting-past-due-gym-dues-collections-agencies-and-the-law/Tue, 20 Oct 2026 12:00:00 GMTGym membership collections done right: recover past-due dues with retries, dunning and agencies while staying within debt collection and credit rules.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/apparel/clothing-store-mcc-codes-how-5611-5621-and-5651-affect-your-rates/https://www.mannypay.io/beyond-the-swipe/industries/apparel/clothing-store-mcc-codes-how-5611-5621-and-5651-affect-your-rates/Tue, 20 Oct 2026 12:00:00 GMTLearn which clothing store MCC code fits your boutique, how 5611, 5621 and 5651 shape interchange and underwriting, and how to fix a wrong code.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/web-design/client-won-t-pay-can-you-legally-take-down-their-website/https://www.mannypay.io/beyond-the-swipe/industries/web-design/client-won-t-pay-can-you-legally-take-down-their-website/Tue, 20 Oct 2026 12:00:00 GMTClient won't pay web designer fees? Learn when taking a site down is legal, what you can withhold, and a step-by-step plan to collect your unpaid invoice.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/filipino-entrepreneurs/choosing-a-pos-system-for-your-filipino-bakery/https://www.mannypay.io/beyond-the-swipe/filipino-entrepreneurs/choosing-a-pos-system-for-your-filipino-bakery/Tue, 20 Oct 2026 12:00:00 GMTChoosing a POS system for a Filipino bakery? Learn what speeds the pandesal rush, tracks daily bakes, handles holiday preorders and keeps costs in check.Filipino Businesses & Entrepreneurs https://www.mannypay.io/beyond-the-swipe/industries/hotels/choosing-a-payment-processor-that-integrates-with-your-hotel-pms/https://www.mannypay.io/beyond-the-swipe/industries/hotels/choosing-a-payment-processor-that-integrates-with-your-hotel-pms/Tue, 20 Oct 2026 12:00:00 GMTUse this hotel PMS payment integration checklist to compare processors on tokenization, folio posting, holds, hidden fees and switching costs.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/jet-charter/charter-payment-terms-deposit-full-prepay-or-pay-on-departure/https://www.mannypay.io/beyond-the-swipe/industries/jet-charter/charter-payment-terms-deposit-full-prepay-or-pay-on-departure/Tue, 20 Oct 2026 12:00:00 GMTCompare private jet charter payment terms, including deposits, balance deadlines and last-minute rules, so you get paid before positioning aircraft.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/jet-charter/charter-chargebacks-weather-maintenance-and-missed-flights/https://www.mannypay.io/beyond-the-swipe/industries/jet-charter/charter-chargebacks-weather-maintenance-and-missed-flights/Tue, 20 Oct 2026 12:00:00 GMTLearn how to fight a private jet charter chargeback over weather, aircraft swaps or no-shows, and which flight logs and contract terms win the case.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/jet-charter/charging-a-150-000-charter-on-a-card-limits-and-holds/https://www.mannypay.io/beyond-the-swipe/industries/jet-charter/charging-a-150-000-charter-on-a-card-limits-and-holds/Tue, 20 Oct 2026 12:00:00 GMTHit a credit card limit for a private jet charter? Learn why six-figure charges get declined or held and how to clear them before departure.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/chargebacks-fraud-security/chargeback-rebuttal-letter-template-and-evidence-that-wins/https://www.mannypay.io/beyond-the-swipe/chargebacks-fraud-security/chargeback-rebuttal-letter-template-and-evidence-that-wins/Tue, 20 Oct 2026 12:00:00 GMTWrite a chargeback rebuttal letter issuers can review fast: fill-in template, evidence checklists by reason code, and mistakes to avoid.Chargebacks, Fraud & Security https://www.mannypay.io/beyond-the-swipe/industries/cannabis/cbd-merchant-accounts-getting-approved-for-hemp-products/https://www.mannypay.io/beyond-the-swipe/industries/cannabis/cbd-merchant-accounts-getting-approved-for-hemp-products/Tue, 20 Oct 2026 12:00:00 GMTLearn what underwriters require for a CBD merchant account: COAs, label and website reviews, rates and reserves, plus how to apply with fewer delays.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/cbd/cbd-credit-card-processing-fees-rates-reserves-and-hidden-costs/https://www.mannypay.io/beyond-the-swipe/industries/cbd/cbd-credit-card-processing-fees-rates-reserves-and-hidden-costs/Tue, 20 Oct 2026 12:00:00 GMTUnderstand CBD credit card processing fees: high-risk rates, rolling reserves, MCC coding and hidden costs, plus how to compare and negotiate a quote.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/cbd/cbd-chargebacks-winning-didn-t-work-and-unrecognized-charges/https://www.mannypay.io/beyond-the-swipe/industries/cbd/cbd-chargebacks-winning-didn-t-work-and-unrecognized-charges/Tue, 20 Oct 2026 12:00:00 GMTLearn why CBD chargebacks happen, which evidence wins 'didn't work,' unrecognized and lost-package disputes, and how to protect your merchant account.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/ecommerce/card-testing-attacks-how-to-stop-bots-from-hitting-your-checkout/https://www.mannypay.io/beyond-the-swipe/industries/ecommerce/card-testing-attacks-how-to-stop-bots-from-hitting-your-checkout/Tue, 20 Oct 2026 12:00:00 GMTHit by a card testing attack? Use this triage plan to stop bots at checkout, cut decline fees, and keep your processor relationship in good standing.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/payment-processing/card-present-vs-card-not-present-fees-fraud-and-rules/https://www.mannypay.io/beyond-the-swipe/payment-processing/card-present-vs-card-not-present-fees-fraud-and-rules/Tue, 20 Oct 2026 12:00:00 GMTCard present vs card not present: learn how networks classify each sale, why CNP costs more, who carries fraud liability, and how to cut your fees.Payment Processing Fundamentals https://www.mannypay.io/beyond-the-swipe/industries/medical/card-on-file-for-patient-balances-charging-after-insurance-pays/https://www.mannypay.io/beyond-the-swipe/industries/medical/card-on-file-for-patient-balances-charging-after-insurance-pays/Tue, 20 Oct 2026 12:00:00 GMTSet up a card on file medical practice program the right way: patient consent, charge caps and EOB timing that help prevent balance disputes.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/subscriptions/card-account-updater-keep-subscribers-billing-when-cards-expire/https://www.mannypay.io/beyond-the-swipe/industries/subscriptions/card-account-updater-keep-subscribers-billing-when-cards-expire/Tue, 20 Oct 2026 12:00:00 GMTLearn how a card account updater keeps renewals going when cards expire, what updater fees look like and how to confirm your processor runs it.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/cannabis/canpay-vs-aeropay-vs-hypur-pay-by-bank-apps-for-dispensaries/https://www.mannypay.io/beyond-the-swipe/industries/cannabis/canpay-vs-aeropay-vs-hypur-pay-by-bank-apps-for-dispensaries/Tue, 20 Oct 2026 12:00:00 GMTCanPay 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.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/subscriptions/cancelled-recurring-chargebacks-how-subscription-sellers-win/https://www.mannypay.io/beyond-the-swipe/industries/subscriptions/cancelled-recurring-chargebacks-how-subscription-sellers-win/Tue, 20 Oct 2026 12:00:00 GMTLearn what evidence wins a cancelled recurring transaction chargeback, from consent logs to usage data, and which policy gaps make disputes unwinnable.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/events-ticketing/cancelled-or-postponed-event-refund-rules-and-chargeback-defense/https://www.mannypay.io/beyond-the-swipe/industries/events-ticketing/cancelled-or-postponed-event-refund-rules-and-chargeback-defense/Tue, 20 Oct 2026 12:00:00 GMTFacing a cancelled event chargeback? Learn what card networks and consumer law expect, how to write refund policies, and the evidence that wins disputes.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/filipino-american-businesses/can-your-filipino-store-offer-padala-remittance-agent-rules/https://www.mannypay.io/beyond-the-swipe/industries/filipino-american-businesses/can-your-filipino-store-offer-padala-remittance-agent-rules/Tue, 20 Oct 2026 12:00:00 GMTLearn how to become a remittance agent the legal way, what AML and ID duties come with it, and how padala services affect your store's merchant account.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/vape/can-you-take-credit-cards-for-online-vape-sales/https://www.mannypay.io/beyond-the-swipe/industries/vape/can-you-take-credit-cards-for-online-vape-sales/Tue, 20 Oct 2026 12:00:00 GMTLearn how to accept credit cards for online vape sales: card network rules, gateway requirements, ACH options, and how to keep your account live.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/nutraceuticals/can-you-sell-supplements-with-stripe-paypal-or-shopify-payments/https://www.mannypay.io/beyond-the-swipe/industries/nutraceuticals/can-you-sell-supplements-with-stripe-paypal-or-shopify-payments/Tue, 20 Oct 2026 12:00:00 GMTDoes Stripe allow supplements? See how Stripe, PayPal, Shopify Payments and Square treat vitamins, nootropics and weight-loss products before a freeze hits.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/adult/can-you-sell-adult-toys-with-stripe-paypal-or-shopify-payments/https://www.mannypay.io/beyond-the-swipe/industries/adult/can-you-sell-adult-toys-with-stripe-paypal-or-shopify-payments/Tue, 20 Oct 2026 12:00:00 GMTDoes Stripe allow adult products? Learn how Stripe, PayPal and Shopify Payments treat sex toy stores, what triggers reviews, and when to switch processors.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/restaurants/can-restaurants-deduct-credit-card-fees-from-servers-tips/https://www.mannypay.io/beyond-the-swipe/industries/restaurants/can-restaurants-deduct-credit-card-fees-from-servers-tips/Tue, 20 Oct 2026 12:00:00 GMTLearn whether restaurants can deduct credit card fees from tips under federal and state law, how to calculate a pro-rata deduction, and how to document it.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/plumbing/can-plumbers-charge-a-credit-card-fee-surcharge-rules-for-invoices/https://www.mannypay.io/beyond-the-swipe/industries/plumbing/can-plumbers-charge-a-credit-card-fee-surcharge-rules-for-invoices/Tue, 20 Oct 2026 12:00:00 GMTCan plumbers charge credit card fees? Learn how card network caps, state limits, debit exclusions and disclosure rules apply to your field invoices.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/jewelry/can-jewelry-stores-charge-a-credit-card-fee-on-diamonds/https://www.mannypay.io/beyond-the-swipe/industries/jewelry/can-jewelry-stores-charge-a-credit-card-fee-on-diamonds/Tue, 20 Oct 2026 12:00:00 GMTCan jewelry stores charge credit card fees on diamonds and engagement rings? Learn surcharge rules, cash discount options, debit limits and dispute risks.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/gyms-martial-arts/can-gyms-add-a-credit-card-fee-to-monthly-membership-dues/https://www.mannypay.io/beyond-the-swipe/industries/gyms-martial-arts/can-gyms-add-a-credit-card-fee-to-monthly-membership-dues/Tue, 20 Oct 2026 12:00:00 GMTCan gyms charge credit card fees on dues? Learn surcharge rules, debit limits, state restrictions and when an ACH discount for members works better.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/medical/can-doctors-and-dentists-charge-patients-a-credit-card-fee/https://www.mannypay.io/beyond-the-swipe/industries/medical/can-doctors-and-dentists-charge-patients-a-credit-card-fee/Tue, 20 Oct 2026 12:00:00 GMTCan doctors charge credit card fees? Learn how network rules, state law, HSA cards, and Medicare and Medicaid contracts limit what you can pass on.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/liquor-stores/can-customers-buy-lottery-tickets-with-a-credit-card-at-your-store/https://www.mannypay.io/beyond-the-swipe/industries/liquor-stores/can-customers-buy-lottery-tickets-with-a-credit-card-at-your-store/Tue, 20 Oct 2026 12:00:00 GMTCan you buy lottery tickets with a credit card? Learn how state tender rules work and how liquor stores can block the wrong card without slowing the line.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/auto-repair/can-auto-repair-shops-charge-a-credit-card-fee-surcharge-rules/https://www.mannypay.io/beyond-the-swipe/industries/auto-repair/can-auto-repair-shops-charge-a-credit-card-fee-surcharge-rules/Tue, 20 Oct 2026 12:00:00 GMTCan auto repair shops charge credit card fees? Learn how surcharging, cash discounts and dual pricing work, and how to disclose fees on repair orders.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/locations/california/california-sb-478-and-restaurant-service-charges-explained/https://www.mannypay.io/beyond-the-swipe/locations/california/california-sb-478-and-restaurant-service-charges-explained/Tue, 20 Oct 2026 12:00:00 GMTLearn what California SB 478 restaurant service charge rules require on menus, QR codes, online ordering and receipts, and how the SB 1524 exception works.Local Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/contractors/california-s-10-down-payment-rule-for-contractors-explained/https://www.mannypay.io/beyond-the-swipe/industries/contractors/california-s-10-down-payment-rule-for-contractors-explained/Tue, 20 Oct 2026 12:00:00 GMTLearn how the California contractor down payment limit affects card and ACH deposits, which jobs to check, and how to bill progress payments compliantly.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/retail/buy-now-pay-later-for-retail-stores-is-it-worth-the-fee/https://www.mannypay.io/beyond-the-swipe/industries/retail/buy-now-pay-later-for-retail-stores-is-it-worth-the-fee/Tue, 20 Oct 2026 12:00:00 GMTBuy now, pay later for retail stores usually costs more than cards. See how in-store BNPL works and how to tell if the sales lift pays off.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/car-dealerships/buy-here-pay-here-payments-autopay-text-to-pay-and-late-fees/https://www.mannypay.io/beyond-the-swipe/industries/car-dealerships/buy-here-pay-here-payments-autopay-text-to-pay-and-late-fees/Tue, 20 Oct 2026 12:00:00 GMTBuy here pay here payment processing guide: move weekly cash payers to ACH and debit autopay, add text-to-pay, and handle late fees within the rules.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/education/brightwheel-vs-procare-vs-kangarootime-tuition-payment-fees/https://www.mannypay.io/beyond-the-swipe/industries/education/brightwheel-vs-procare-vs-kangarootime-tuition-payment-fees/Tue, 20 Oct 2026 12:00:00 GMTBrightwheel vs Procare vs Kangarootime: compare card and ACH tuition fees, who pays them, payout timing and how to switch without losing autopay.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/apparel/bridal-shop-deposits-payment-policies-that-survive-chargebacks/https://www.mannypay.io/beyond-the-swipe/industries/apparel/bridal-shop-deposits-payment-policies-that-survive-chargebacks/Tue, 20 Oct 2026 12:00:00 GMTBuild a bridal shop deposit policy that holds up in disputes: deposits, signed agreements, payment plans and records that help you defend gown chargebacks.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/boxing-fitness/boxing-and-mma-gym-merchant-accounts-why-you-re-flagged/https://www.mannypay.io/beyond-the-swipe/industries/boxing-fitness/boxing-and-mma-gym-merchant-accounts-why-you-re-flagged/Tue, 20 Oct 2026 12:00:00 GMTGetting flagged on a boxing gym merchant account? Learn what underwriters check, which documents to submit, and how to negotiate reserves and volume caps.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/apparel/boutique-credit-card-fees-what-a-90-average-sale-should-cost/https://www.mannypay.io/beyond-the-swipe/industries/apparel/boutique-credit-card-fees-what-a-90-average-sale-should-cost/Tue, 20 Oct 2026 12:00:00 GMTSee how boutique credit card processing fees add up on a $90 sale, in-store and online, and learn to benchmark your effective rate before you negotiate.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/low-risk-ecommerce/bigcommerce-payment-gateways-choosing-beyond-the-default-option/https://www.mannypay.io/beyond-the-swipe/industries/low-risk-ecommerce/bigcommerce-payment-gateways-choosing-beyond-the-default-option/Tue, 20 Oct 2026 12:00:00 GMTCompare BigCommerce payment gateway options on rates, features and payouts, from built-in choices to your own merchant account via Authorize.net or NMI.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/salons-spas/best-salon-pos-systems-a-buyer-s-checklist-for-salon-owners/https://www.mannypay.io/beyond-the-swipe/industries/salons-spas/best-salon-pos-systems-a-buyer-s-checklist-for-salon-owners/Tue, 20 Oct 2026 12:00:00 GMTFind the best salon POS system with this checklist covering booking, deposits, multi-provider tickets, commissions, backbar inventory and contract lock-ins.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/restaurants/best-restaurant-pos-systems-a-buyer-s-checklist-for-owners/https://www.mannypay.io/beyond-the-swipe/industries/restaurants/best-restaurant-pos-systems-a-buyer-s-checklist-for-owners/Tue, 20 Oct 2026 12:00:00 GMTUse this checklist to find the best restaurant POS system for your workflow: modifiers, coursing, KDS, tabs, tips, online orders and hidden contract costs.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/retail/best-pos-systems-for-retail-stores-a-small-shop-buyer-s-guide/https://www.mannypay.io/beyond-the-swipe/industries/retail/best-pos-systems-for-retail-stores-a-small-shop-buyer-s-guide/Tue, 20 Oct 2026 12:00:00 GMTFind the best POS system for retail store needs: variant inventory, barcode labels, online sync, hardware bundles and contract traps to avoid.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/tobacco/best-pos-for-smoke-shops-cartons-packs-and-age-locked-skus/https://www.mannypay.io/beyond-the-swipe/industries/tobacco/best-pos-for-smoke-shops-cartons-packs-and-age-locked-skus/Tue, 20 Oct 2026 12:00:00 GMTFind the best POS system for smoke shop needs: carton-to-pack inventory, age checks, scan data, excise tax fields and processor fit, all in one checklist.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/jewelry/best-pos-for-jewelry-stores-repairs-memo-and-serialized-stock/https://www.mannypay.io/beyond-the-swipe/industries/jewelry/best-pos-for-jewelry-stores-repairs-memo-and-serialized-stock/Tue, 20 Oct 2026 12:00:00 GMTFind the best POS system for jewelry store operations with a checklist covering serialized stock, repair tickets, memo goods, gold buys and appraisals.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/firearms/best-pos-for-gun-stores-bound-book-4473-and-serial-tracking/https://www.mannypay.io/beyond-the-swipe/industries/firearms/best-pos-for-gun-stores-bound-book-4473-and-serial-tracking/Tue, 20 Oct 2026 12:00:00 GMTFind the best POS system for gun store needs: a checklist for bound book integration, e4473, serialized inventory, and processing contracts that last.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/furniture/best-pos-for-furniture-stores-special-orders-and-delivery/https://www.mannypay.io/beyond-the-swipe/industries/furniture/best-pos-for-furniture-stores-special-orders-and-delivery/Tue, 20 Oct 2026 12:00:00 GMTFind the best POS system for a furniture store with this buyer's checklist covering special orders, deposits, delivery scheduling and financing.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/filipino-american-businesses/best-pos-for-filipino-grocery-stores-imports-frozen-and-hot-food/https://www.mannypay.io/beyond-the-swipe/industries/filipino-american-businesses/best-pos-for-filipino-grocery-stores-imports-frozen-and-hot-food/Tue, 20 Oct 2026 12:00:00 GMTShopping for a POS system for a Filipino grocery store? Use this checklist to handle unbarcoded imports, frozen fish by weight, hot food, and load sales.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/apparel/best-pos-for-clothing-boutiques-size-color-and-style-matrix-inventory/https://www.mannypay.io/beyond-the-swipe/industries/apparel/best-pos-for-clothing-boutiques-size-color-and-style-matrix-inventory/Tue, 20 Oct 2026 12:00:00 GMTFind the best POS system for a clothing boutique: size and color matrix inventory, sell-through reports, markdowns, online sync and payment setup tips.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/woocommerce-stores/best-payment-gateway-for-woocommerce-a-store-owner-s-checklist/https://www.mannypay.io/beyond-the-swipe/industries/woocommerce-stores/best-payment-gateway-for-woocommerce-a-store-owner-s-checklist/Tue, 20 Oct 2026 12:00:00 GMTFind the best payment gateway for WooCommerce with this checklist: Checkout Blocks, HPOS, Subscriptions, plugin upkeep, pricing and saved-card portability.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/vape/best-payment-gateway-for-an-online-vape-store-what-actually-works/https://www.mannypay.io/beyond-the-swipe/industries/vape/best-payment-gateway-for-an-online-vape-store-what-actually-works/Tue, 20 Oct 2026 12:00:00 GMTChoosing the best payment gateway for vape store sales? Compare plugins, age checks, state blocking, reserves and saved-card portability before you sign.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/liquor-stores/best-liquor-store-pos-systems-features-that-actually-matter/https://www.mannypay.io/beyond-the-swipe/industries/liquor-stores/best-liquor-store-pos-systems-features-that-actually-matter/Tue, 20 Oct 2026 12:00:00 GMTChoosing the best liquor store POS system? Use this checklist for case pricing, price books, deposits, age prompts and integrated payments.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/grocery/best-grocery-store-pos-systems-scales-plus-and-ebt-built-in/https://www.mannypay.io/beyond-the-swipe/industries/grocery/best-grocery-store-pos-systems-scales-plus-and-ebt-built-in/Tue, 20 Oct 2026 12:00:00 GMTChoose the best grocery store POS system with a buyer's checklist for scales, PLU codes, EBT and split tender, bottle deposits and high-SKU inventory.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/food-trucks/best-food-truck-pos-systems-what-matters-on-a-moving-kitchen/https://www.mannypay.io/beyond-the-swipe/industries/food-trucks/best-food-truck-pos-systems-what-matters-on-a-moving-kitchen/Tue, 20 Oct 2026 12:00:00 GMTChoose the best food truck POS system with confidence: compare offline mode, LTE, battery life, hardware, total costs and contract traps to avoid.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/cannabis/best-dispensary-pos-systems-metrc-sync-limits-and-payments/https://www.mannypay.io/beyond-the-swipe/industries/cannabis/best-dispensary-pos-systems-metrc-sync-limits-and-payments/Tue, 20 Oct 2026 12:00:00 GMTChoosing the best dispensary POS system? Use this checklist for Metrc sync, purchase limits, medical pricing, ID checks and compliant payment options.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/plumbing/best-credit-card-readers-for-plumbers-getting-paid-at-the-truck/https://www.mannypay.io/beyond-the-swipe/industries/plumbing/best-credit-card-readers-for-plumbers-getting-paid-at-the-truck/Tue, 20 Oct 2026 12:00:00 GMTChoosing a credit card reader for plumbers? Compare tap to pay, Bluetooth readers and handheld terminals for weak signal, wet hands and invoice sync.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/moving/best-credit-card-readers-for-movers-getting-paid-by-the-crew/https://www.mannypay.io/beyond-the-swipe/industries/moving/best-credit-card-readers-for-movers-getting-paid-by-the-crew/Tue, 20 Oct 2026 12:00:00 GMTHow to choose a credit card reader for moving company crews: LTE vs. phone readers, no-signal payments, crew permissions and signed delivery paperwork.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/hotels/best-credit-card-machines-for-motels-without-a-full-pms/https://www.mannypay.io/beyond-the-swipe/industries/hotels/best-credit-card-machines-for-motels-without-a-full-pms/Tue, 20 Oct 2026 12:00:00 GMTChoose a credit card machine for motel desks that handles pre-auths, incremental holds and folio fields and helps you qualify for lodging interchange rates.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/health-beauty/barbershop-card-readers-one-shop-terminal-or-one-per-chair/https://www.mannypay.io/beyond-the-swipe/industries/health-beauty/barbershop-card-readers-one-shop-terminal-or-one-per-chair/Tue, 20 Oct 2026 12:00:00 GMTChoosing a barbershop credit card reader? Compare a front-counter terminal, per-chair readers and personal payment apps on fees, tips, taxes and freezes.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/restaurants/bar-tab-preauthorization-how-to-hold-a-card-without-getting-burned/https://www.mannypay.io/beyond-the-swipe/industries/restaurants/bar-tab-preauthorization-how-to-hold-a-card-without-getting-burned/Tue, 20 Oct 2026 12:00:00 GMTLearn how bar tab preauthorization works, how to size the card hold, handle tabs that run over, and close walkout tabs with records that hold up.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/7oh/bank-closed-your-account-over-7-oh-business-banking-options/https://www.mannypay.io/beyond-the-swipe/industries/7oh/bank-closed-your-account-over-7-oh-business-banking-options/Tue, 20 Oct 2026 12:00:00 GMTBank 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.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/filipino-american-businesses/balikbayan-box-delayed-or-lost-handling-chargebacks-and-refunds/https://www.mannypay.io/beyond-the-swipe/industries/filipino-american-businesses/balikbayan-box-delayed-or-lost-handling-chargebacks-and-refunds/Tue, 20 Oct 2026 12:00:00 GMTFacing a balikbayan box chargeback? Learn how forwarders can set transit terms, build delivery evidence, and handle customs delays and lost-box refunds.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/filipino-american-businesses/balikbayan-box-business-payments-pickups-prepaid-boxes-deposits/https://www.mannypay.io/beyond-the-swipe/industries/filipino-american-businesses/balikbayan-box-business-payments-pickups-prepaid-boxes-deposits/Tue, 20 Oct 2026 12:00:00 GMTSet up balikbayan box business payment the right way: collect for prepaid boxes, home pickups and overweight fees, reconcile cash and prevent disputes.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/b2b-wholesale/b2b-customer-payment-portals-let-buyers-pay-invoices-online/https://www.mannypay.io/beyond-the-swipe/industries/b2b-wholesale/b2b-customer-payment-portals-let-buyers-pay-invoices-online/Tue, 20 Oct 2026 12:00:00 GMTPick a B2B customer payment portal where wholesale buyers pay invoices online and save cards or ACH to help reduce DSO and manual cash application.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/b2b-wholesale/b2b-credit-card-authorization-forms-for-wholesale-accounts/https://www.mannypay.io/beyond-the-swipe/industries/b2b-wholesale/b2b-credit-card-authorization-forms-for-wholesale-accounts/Tue, 20 Oct 2026 12:00:00 GMTBuild a B2B credit card authorization form that holds up in disputes: key fields, signer authority, PCI-safe storage and tokenized card-on-file tools.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/subscriptions/automatic-renewal-laws-by-state-a-compliance-map-for-subscriptions/https://www.mannypay.io/beyond-the-swipe/industries/subscriptions/automatic-renewal-laws-by-state-a-compliance-map-for-subscriptions/Tue, 20 Oct 2026 12:00:00 GMTLearn how automatic renewal laws by state affect checkout disclosures, consent, reminders and cancellation, and build one compliant subscription flow.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/auto-repair/auto-repair-diagnostic-fees-charging-waiving-or-crediting-them/https://www.mannypay.io/beyond-the-swipe/industries/auto-repair/auto-repair-diagnostic-fees-charging-waiving-or-crediting-them/Tue, 20 Oct 2026 12:00:00 GMTLearn how to price an auto repair diagnostic fee, credit it toward repairs, get written approval, and collect when customers decline the work.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/auto-repair/auto-repair-credit-card-fees-what-shops-should-really-pay/https://www.mannypay.io/beyond-the-swipe/industries/auto-repair/auto-repair-credit-card-fees-what-shops-should-really-pay/Tue, 20 Oct 2026 12:00:00 GMTLearn what drives auto repair credit card processing fees, from MCC 7538 to large tickets and fleet cards, and how to audit your statement and negotiate.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/nonprofits/asking-donors-to-cover-processing-fees-does-it-work-and-is-it-legal/https://www.mannypay.io/beyond-the-swipe/industries/nonprofits/asking-donors-to-cover-processing-fees-does-it-work-and-is-it-legal/Tue, 20 Oct 2026 12:00:00 GMTShould a donor cover processing fees? Learn how a voluntary option differs from a surcharge, plus checkbox defaults, gross-up math and tax receipts.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/salons-spas/are-salon-and-spa-services-taxable-a-state-by-state-guide/https://www.mannypay.io/beyond-the-swipe/industries/salons-spas/are-salon-and-spa-services-taxable-a-state-by-state-guide/Tue, 20 Oct 2026 12:00:00 GMTAre salon services taxable? See how states treat haircuts, massage, nails, and Botox, and how to set up your POS to tax retail correctly.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/boxing-fitness/are-gym-memberships-taxable-sales-tax-on-fitness-by-state/https://www.mannypay.io/beyond-the-swipe/industries/boxing-fitness/are-gym-memberships-taxable-sales-tax-on-fitness-by-state/Tue, 20 Oct 2026 12:00:00 GMTAre gym memberships taxable? Learn how states treat memberships, training, classes, and fees, and how to set up billing so every line is taxed correctly.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/travel/arc-vs-iata-accreditation-how-airline-ticket-payments-settle/https://www.mannypay.io/beyond-the-swipe/industries/travel/arc-vs-iata-accreditation-how-airline-ticket-payments-settle/Tue, 20 Oct 2026 12:00:00 GMTCompare ARC vs. IATA accreditation and host agencies, and learn how airline ticket payments settle, how debit memos hit and how bonds affect cash flow.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/woocommerce-stores/apple-pay-not-showing-on-woocommerce-fixes-that-actually-work/https://www.mannypay.io/beyond-the-swipe/industries/woocommerce-stores/apple-pay-not-showing-on-woocommerce-fixes-that-actually-work/Tue, 20 Oct 2026 12:00:00 GMTWooCommerce Apple Pay not showing? Fix domain verification, caching, theme and checkout block issues so wallet buttons appear for your shoppers.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/ecommerce/amazon-account-level-reserve-why-your-disbursement-shrank/https://www.mannypay.io/beyond-the-swipe/industries/ecommerce/amazon-account-level-reserve-why-your-disbursement-shrank/Tue, 20 Oct 2026 12:00:00 GMTLearn what the Amazon account level reserve is, why delivery-date holds shrink your payout, and how to forecast cash and request a review of holds.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industry-news/ahold-delhaize-cyberattack-keep-selling-when-systems-go-dark/https://www.mannypay.io/beyond-the-swipe/industry-news/ahold-delhaize-cyberattack-keep-selling-when-systems-go-dark/Tue, 20 Oct 2026 12:00:00 GMTThe Ahold Delhaize cyberattack took grocery sites offline. Learn how independent stores can keep taking payments and protect card data when systems fail.Payments News https://www.mannypay.io/beyond-the-swipe/industries/adult/age-verification-laws-for-adult-sites-state-rules-and-checkout/https://www.mannypay.io/beyond-the-swipe/industries/adult/age-verification-laws-for-adult-sites-state-rules-and-checkout/Tue, 20 Oct 2026 12:00:00 GMTLearn how age verification laws for adult websites work by state, why a card on file rarely qualifies, and how to verify users without hurting conversion.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/adult/adult-merchant-account-fees-rates-reserves-and-registration/https://www.mannypay.io/beyond-the-swipe/industries/adult/adult-merchant-account-fees-rates-reserves-and-registration/Tue, 20 Oct 2026 12:00:00 GMTLearn what adult merchant account fees include, from discount rates to reserves and dispute costs, so you can compare quotes on total cost.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/woocommerce-stores/adding-a-fee-for-card-payments-in-woocommerce-what-s-legal/https://www.mannypay.io/beyond-the-swipe/industries/woocommerce-stores/adding-a-fee-for-card-payments-in-woocommerce-what-s-legal/Tue, 20 Oct 2026 12:00:00 GMTBefore WooCommerce adds a fee for a payment method, learn the card network, state and PayPal rules, plus how to set up and disclose the fee correctly.Industry Payment Guides https://www.mannypay.io/beyond-the-swipe/industries/gyms-martial-arts/ach-vs-credit-card-for-gym-dues-which-costs-you-less/https://www.mannypay.io/beyond-the-swipe/industries/gyms-martial-arts/ach-vs-credit-card-for-gym-dues-which-costs-you-less/Tue, 20 Oct 2026 12:00:00 GMTCompare ACH vs. credit card for gym memberships: fees, returns, declines and disputes on monthly dues, plus how to steer members toward cheaper billing.Industry Payment Guides 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