GlossaryWhat Is Chargeback Representment? How to Fight Disputes
What is chargeback representment? Learn the dispute lifecycle, deadlines, what to put in a rebuttal packet and when a chargeback isn't worth fighting.
MannyPay Editorial TeamServices & Trades
Professional Services Payment Guides
Payment processing guides for professional services: costs, hardware, fraud, compliance and growth, from the MannyPay editorial team.
Glossary
GlossaryWhat Is a Card-Not-Present Transaction? Risks and Rates
Learn what a card not present transaction is, why phone, online and keyed payments cost more, who pays for fraud, and how to lower both.
MannyPay Editorial Team
Local Guides · Seattle, WAWashington's New Sales Tax on Services: A Seattle Billing Guide
Washington sales tax on services now covers IT, web development and digital ads. Learn how Seattle firms should tax invoices, payment links and card billing.
MannyPay Editorial Team
IndustriesTax Preparer Fees: Refund Transfers vs. Collecting Payment Upfront
Compare tax preparer refund transfer fees with collecting payment upfront by card, plus disclosure tips and how to handle rejected returns and refunds.
MannyPay Editorial Team
ComparisonsRTP vs. FedNow vs. ACH: Which Instant Payment Rail Fits?
RTP vs. ACH vs. FedNow: compare speed, limits, cost, finality and bank support so you know when instant bank payments are worth it for your business.
MannyPay Editorial Team
Business GrowthRefund Policy Requirements Payment Processors Expect
Learn the refund policy requirements for payment processors: what to disclose, where to post it, and wording that holds up in chargeback disputes.
MannyPay Editorial Team
IndustriesMonthly Bookkeeping Retainers: Setting up Client Autopay That Sticks
Set up bookkeeping client autopay that sticks: choose ACH or card, write clear authorization terms, bill cleanup work and handle failed payments.
MannyPay Editorial Team
IndustriesLaw Firm Chargebacks: When Clients Dispute Fees After a Lost Case
A law firm credit card chargeback can hit your trust account. Learn how to route disputes, build winning evidence, and protect client confidentiality.
MannyPay Editorial Team
ProductsHow to Store a Customer's Card on File Safely and Legally
Learn how to store a credit card on file safely with tokenization, the right authorization form and consent steps that hold up in disputes.
MannyPay Editorial Team
Processing BasicsHow to Receive International Payments Without Losing 5% to Fees
Learn how to receive international payments while cutting wire, intermediary, FX and cross-border card fees, with cost comparisons by invoice size.
MannyPay Editorial Team
Business GrowthHow to Get Paid Faster: 11 Invoicing Habits That Work
Learn how to get paid faster on invoices with clearer invoice details, pay links, a ready-to-use reminder schedule and a simple way to track DSO.
MannyPay Editorial Team
Rates & FeesHow to Compare Merchant Processing Quotes Side by Side
Learn how to compare credit card processing rates with a simple worksheet that turns every merchant services quote into one true monthly cost.
MannyPay Editorial Team
Processing BasicsHow to Choose a Payment Processor: 10 Questions to Ask First
Learn how to choose a payment processor with 10 questions on pricing, contracts, funding speed, integrations, and support to ask before you sign anything.
MannyPay Editorial Team
ComparisonsHow to Choose a Payment Gateway Provider for Your Business
Compare payment gateway providers on cart compatibility, fees, fraud tools, recurring billing and data portability so you pick a gateway you won't outgrow.
MannyPay Editorial Team
Processing BasicsCross-Border Fee vs. Foreign Transaction Fee: Who Pays What
Cross-border fee vs. foreign transaction fee: learn who pays each, how network assessments hit your statement, and how to spot processor markups.
MannyPay Editorial Team
Business GrowthCredit Card Surcharge Rules: What's Legal and How to Comply
Learn the credit card surcharge rules that matter: network caps, debit limits, state laws and disclosure steps so you can plan a compliant fee program.
MannyPay Editorial Team
Business GrowthChargeback Ratio Limits: The Numbers That Put Your Account at Risk
Learn what an acceptable chargeback ratio looks like, how to calculate yours monthly, and the early warning signs to act on before reserves or repricing.
MannyPay Editorial Team
Processing BasicsACH vs. Credit Card: Which Should You Push Customers Toward?
ACH 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.
MannyPay Editorial Team
Business GrowthACH Payments for Small Business: Lower Fees, Slower Money?
Weigh ACH payments for small business: real fee savings, settlement timing, return risk and authorization rules, plus which invoices to move off cards.
MannyPay Editorial Team
Rates & FeesWhy Did My Credit Card Processing Fees Go Up?
Credit card processing fees increased? Learn whether card mix, network changes, or a processor markup caused the jump and how to respond.
MannyPay Editorial Team
Processing BasicsWhat Is a Payment Gateway? How Online Payments Get Approved
Learn 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.
MannyPay Editorial Team
Rates & FeesVisa and Mastercard Surcharge Rules: Caps, Signs, Registration
Learn the Visa surcharge rules and Mastercard requirements that apply in every state: notice, caps, signage and receipts, and what to confirm first.
MannyPay Editorial Team
NewsSame Day ACH Volume Jumps 37%: Should You Accept It?
Same Day ACH for businesses is surging. See what Nacha's Q3 2026 data means for your invoice fees, payment speed, return risk and setup.
MannyPay Editorial Team
Business GrowthPCI Compliance for Small Business: Which SAQ Do You Need?
PCI compliance for small business, simplified: match your card setup to the right SAQ, handle scans, and stop paying monthly non-compliance fees.
MannyPay Editorial Team
Processing BasicsPay by Bank: How Open Banking Payments Work for Merchants
Learn 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.
MannyPay Editorial Team
Business GrowthNet 30 Payment Terms Explained: Setting Terms Customers Honor
Learn 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.
MannyPay Editorial Team
ComparisonsMerchant Account vs. Payment Aggregator: Which Fits Your Business?
Merchant 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.
MannyPay Editorial Team
Business GrowthMerchant Account Denied? Common Reasons and What to Do Next
Merchant 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.
MannyPay Editorial Team
IndustriesLegal Fee Financing: Pay-Later Plans While Limiting Collections Risk
Compare legal fee financing and in-house payment plans so your firm can sign clients who can't pay upfront while limiting collections risk.
MannyPay Editorial Team
Processing BasicsInterchange-Plus vs. Flat-Rate vs. Tiered: Pricing Models Compared
Compare credit card processing pricing models side by side. See how interchange-plus, flat-rate, tiered and subscription pricing affect your monthly costs.
MannyPay Editorial Team
Business GrowthInstant Approval Merchant Accounts: What 'Instant' Really Means
An instant approval merchant account can be live in minutes but reviewed later. Learn the tradeoffs and how to get a dedicated account approved fast.
MannyPay Editorial Team
Processing BasicsHow to Take Credit Card Payments Over the Phone Safely
Learn 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.
MannyPay Editorial Team
Rates & FeesHow to Calculate Credit Card Processing Fees on Any Sale
Learn 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.
MannyPay Editorial Team
ProductsHow to Accept Credit Card Payments Over the Phone
Learn 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 Editorial Team
IndustriesEvergreen Retainers: Auto-Replenishing Client Trust With Card on File
Set 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.
MannyPay Editorial Team
NewsDiscover's New Card Verification Rule for Online Sellers Explained
The Discover card account verification service becomes required for card-not-present sellers Oct. 23. Learn how it works and how to check your gateway.
MannyPay Editorial Team
ProductsCredit Card Terminal vs POS System: Which Do You Need?
Credit 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 Editorial Team
ComparisonsACH vs. Credit Card Payments: Costs, Speed, and Risk
Compare ACH vs credit card payments on fees, settlement speed, returns and chargebacks, and learn when to steer recurring or high-ticket customers to ACH.
MannyPay Editorial Team
NewsVisa Direct Adds Stablecoin Funding: What It Means for Seller Payouts
Headlines on Visa Direct stablecoin payouts point to one live feature: USDC prefunding. See what it changes for platforms and what to ask your processor.
MannyPay Editorial Team
IndustriesRefunding an Unearned Retainer: Card, Check, or Trust Transfer?
Learn 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.
MannyPay Editorial Team
ProductsRecurring Billing Software: How to Choose the Right One
Compare recurring billing software on what matters: retries, card updaters, proration, self-service and integrations that cut churn and admin time.
MannyPay Editorial Team
IndustriesMCC 8111, 8931, 7392: How Professional Service Codes Set Fees
Learn how MCC 8111, 8931 and 7392 affect what law, accounting and consulting firms pay to accept cards, and how to spot and fix a miscoded account.
MannyPay Editorial Team
Local Guides · CAIs Credit Card Surcharging Legal in California? 2025–2026 Rules
Is 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.
MannyPay Editorial Team
IndustriesEngagement Letter Payment Terms That Prevent Fee Disputes
Engagement letter payment terms that help you win chargebacks: card-on-file consent, billing increments, dispute windows and work-stoppage rights.
MannyPay Editorial Team
Business GrowthChanging Your Business? When to Tell Your Payment Processor
Learn when to notify your payment processor of business changes, from new products to ownership, so you avoid surprise holds and account terminations.
MannyPay Editorial Team
Rates & FeesWhy Online and Keyed Transactions Cost More to Process
Card 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.
MannyPay Editorial Team
Business GrowthLow Risk Merchant Accounts: What Processors Look for and Why It Matters
Learn what earns a business a low risk merchant account, which industries usually qualify, the better terms it brings, and how to keep that status.
MannyPay Editorial Team
Processing BasicsWhat Are Merchant Services? A Plain-English Guide for Business Owners
Learn what merchant services include, from the account and processor to gateways, hardware and funding, plus which fees you pay and what you can negotiate.
MannyPay Editorial Team
GlossaryWhat Are Interchange Fees? How Card Swipe Costs Are Set
What are interchange fees? Learn who sets them, why card type and entry method change your cost, and practical ways to qualify for lower rates.
MannyPay Editorial Team
IndustriesTaxDome vs. Canopy vs. Karbon: Client Payment Fees Compared
TaxDome 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.
MannyPay Editorial Team
ProductsSmart Payment Terminals vs. Traditional Card Machines
Is 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 Editorial Team
IndustriesMSP Billing: Automating Per-Seat IT Contracts With ACH and Card
Learn 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.
MannyPay Editorial Team
Business GrowthMerchant Services for Small Business: What You Need and What to Skip
Merchant services for small business, matched to your monthly volume: what you actually need, what to skip and how to compare offers without overpaying.
MannyPay Editorial Team
IndustriesLawPay vs. Clio Payments vs. Headnote: Fees and Trust Accounting
Comparing LawPay vs. Clio Payments and Headnote? Learn how to weigh fees, trust account protection, integrations and contract terms before you sign.
MannyPay Editorial Team
ComparisonsInterchange-Plus vs. Flat-Rate Pricing: Which One Costs You Less?
Compare 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.
MannyPay Editorial Team
Business GrowthHow to Choose a Merchant Service Provider: 12 Questions to Ask
Choosing a merchant service provider? Ask these 12 questions before you sign to spot junk fees, lease traps, funding holds and weak support.
MannyPay Editorial Team
Business GrowthHow Long Do Credit Card Deposits Take? Batches, Weekends, Holidays
How long do credit card deposits take? Learn how batch cutoffs, ACH timing, weekends and bank holidays affect when card sales reach your bank account.
MannyPay Editorial Team
Fraud & SecurityHow Do Chargebacks Work? The Full Dispute Lifecycle, Step by Step
How do chargebacks work? Follow each stage from dispute to arbitration, see when money leaves your account, and learn where you can step in.
MannyPay Editorial Team
IndustriesFlat Fees "Earned Upon Receipt": Which Account Gets the Card Payment?
Is a flat fee earned upon receipt a trust or operating deposit? Learn how to route card payments and handle refunds and chargebacks safely.
MannyPay Editorial Team
IndustriesCPA Credit Card Processing Fees: What Accounting Firms Should Pay
Understand CPA credit card processing fees, why business cards and keyed payments cost more, and when ACH lowers the cost of large client invoices.
MannyPay Editorial Team
Fraud & SecurityChargeback Rebuttal Letter: Template and Evidence That Wins
Write a chargeback rebuttal letter issuers can review fast: fill-in template, evidence checklists by reason code, and mistakes to avoid.
MannyPay Editorial Team
Processing BasicsCard-Present vs. Card-Not-Present: Fees, Fraud, and Rules
Card 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.
MannyPay Editorial Team
ProductsWhat Is a Virtual Terminal? How to Take Card Payments Without Hardware
Learn what a virtual terminal is, how it handles phone, mail and invoice payments from any computer, what keyed sales cost, and how to keep them secure.
MannyPay Editorial Team