Retail Stores Payment Guides | Beyond the Swipe

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Oct 23, 20268 min read

Void vs Refund: What's the Difference and Which Costs Less

Void vs refund explained: learn why voiding before the batch closes can save processing fees, when a refund is required, and how to train staff.

MannyPay Editorial Team

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Oct 23, 20268 min read

Using POS Customer Data to Market Smarter on a Small Budget

Learn how POS customer data marketing works on a small budget: five reports to pull, four simple segments and the campaign each one needs.

MannyPay Editorial Team

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Oct 23, 20269 min read

Taking Credit Cards Over the Phone for Retail Orders Safely

Learn 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.

MannyPay Editorial Team

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Oct 23, 202610 min read

Surcharging vs. Cash Discount vs. Dual Pricing: Which Is Legal?

Surcharging 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.

MannyPay Editorial Team

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Oct 23, 202610 min read

Store Charge Accounts: Billing Contractors and Business Customers

Learn how to set up store charge accounts for contractors: credit terms, POS tracking, card-on-file autopay, enhanced card data and past-due collections.

MannyPay Editorial Team

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Oct 23, 20269 min read

Special Order Deposits: How Retailers Collect Payment Upfront

Learn 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.

MannyPay Editorial Team

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Oct 23, 20269 min read

SMS Marketing Rules: Text Customers Without TCPA Trouble

Learn the SMS marketing rules for consent, opt-outs, quiet hours and 10DLC registration so your business can text customers without TCPA trouble.

MannyPay Editorial Team

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Oct 23, 20269 min read

Retail Store Opening and Closing Checklist (Free Template)

Use this retail store opening and closing checklist to standardize cash counts, POS batching, security and floor prep, with clear manager sign-off steps.

MannyPay Editorial Team

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Oct 23, 20268 min read

Refund 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

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Oct 23, 20269 min read

How to Record Credit Card Processing Fees in Your Books

Learn how to record credit card processing fees with gross-sales journal entries for daily and monthly fee setups, and see your true revenue.

MannyPay Editorial Team

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Oct 23, 20268 min read

How to Read Your Credit Card Processing Statement Line by Line

Learn how to read a credit card processing statement line by line, calculate your true effective rate, and spot junk fees worth negotiating.

MannyPay Editorial Team

Black-and-white desk with an open laptop, smartphone, and blank lined notebook with a pen, ready for comparing quotes

Oct 23, 20269 min read

How 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

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Oct 23, 20269 min read

How 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

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Oct 23, 20269 min read

How to Balance a Cash Drawer: Step-by-Step End-of-Shift Count

Learn 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.

MannyPay Editorial Team

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Oct 23, 202610 min read

Form 1099-K for Merchants: Reconcile It Before Tax Time

A 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.

MannyPay Editorial Team

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Oct 23, 20268 min read

Fed Debit Fee Cap: Regulation II Proposal and Court Ruling Explained

Learn 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.

MannyPay Editorial Team

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Oct 23, 20269 min read

Digital Wallets for Business: Which Ones to Accept and Why

Compare digital wallets for business by reach, cost, dispute rules and checkout impact so you accept the wallets your customers actually use.

MannyPay Editorial Team

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Oct 23, 20268 min read

Cross-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

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Oct 23, 20269 min read

Credit 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

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Oct 23, 20268 min read

Chargeback 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

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Oct 23, 20268 min read

BNPL vs. Layaway: Which Payment Plan Sells More for Your Store?

BNPL vs. layaway compared for retailers: who carries credit risk, what each costs, when you get paid, and how each affects inventory and returns.

MannyPay Editorial Team

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Oct 22, 20268 min read

Zelle, Venmo, or Card Reader: How Should Your Shop Get Paid?

Zelle vs Venmo vs credit card for small business: compare fees, buyer protection, scam risk and record-keeping so you know when to add a card reader.

MannyPay Editorial Team

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Oct 22, 20268 min read

Why 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

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Oct 22, 20268 min read

What Is PCI DSS Compliance? A Plain-English Merchant Guide

What is PCI compliance? Learn your merchant level, which PCI SAQ fits your setup, and how to stop paying monthly non-compliance fees.

MannyPay Editorial Team

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Oct 22, 20268 min read

Visa 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

Gray touchscreen POS terminal on a sturdy stand, seen from below with USB, COM and VGA ports, on a white background

Oct 22, 20268 min read

Sales Tax Holidays: Setting up Your POS for Tax-Free Weekend

Sales tax holiday POS setup for retailers: tag qualifying items, apply price thresholds, handle online orders and returns, and keep audit-ready records.

MannyPay Editorial Team

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Oct 22, 20269 min read

PCI 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

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Oct 22, 20268 min read

Merchant 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

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Oct 22, 20268 min read

Merchant 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

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Oct 22, 20268 min read

Is a Cash Discount Program Worth It? Pros, Cons, Real Costs

Weighing a cash discount program? Compare fee savings with customer pushback, legal limits and contract terms to decide if it fits your business.

MannyPay Editorial Team

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Oct 22, 20268 min read

Interchange-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

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Oct 22, 20268 min read

Instant 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

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Oct 22, 20268 min read

How 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

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Oct 22, 202610 min read

Gift Cards for Small Business: How to Set up and Sell More

Learn 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.

MannyPay Editorial Team

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Oct 22, 20268 min read

Florida Credit Card Surcharge Law: Is It Legal Now?

Learn 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.

MannyPay Editorial Team

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Oct 22, 20269 min read

Employee Scheduling Software: Small Business Buyer's Guide

Compare employee scheduling software for small business: the features that cut labor costs, POS integration, pricing models and rollout tips.

MannyPay Editorial Team

Side view of a white tablet POS stand with a built-in card reader slot, angled on a white background

Oct 22, 20268 min read

Credit 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

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Oct 22, 20268 min read

Consignment Store Payments: Tracking Sales and Paying Consignors

Compare consignment store payout software features, split and fee options, and how to pay consignors by check, ACH or store credit without payout errors.

MannyPay Editorial Team

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Oct 22, 20267 min read

Checkout.com Moves Into Stores: What It Means for Card-Present Sales

Checkout.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.

MannyPay Editorial Team

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Oct 22, 20269 min read

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

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

MannyPay Editorial Team

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Oct 22, 202610 min read

Best POS System for Small Business: A Buyer's Checklist

Find the best POS system for small business with a checklist that weighs features, total cost, processing lock-in and contract terms before you sign.

MannyPay Editorial Team

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Oct 22, 20268 min read

Adding Remittance Services to Your Store: What to Know

Learn how to become a money transfer agent for your store, what licensed providers expect, and the compliance duties that keep padala services legal.

MannyPay Editorial Team

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Oct 22, 20269 min read

13-Week Cash Flow Forecast: Build One From Your Sales Data

Learn 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.

MannyPay Editorial Team

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Oct 21, 20269 min read

What Is EMV? Chip Cards and the Liability Shift Explained

What is EMV? Learn how chip cards stop counterfeit fraud, how the EMV liability shift makes swiping costly, and how to check your terminal.

MannyPay Editorial Team

Hands holding a handheld POS terminal printing a receipt, beside an open cash box and paper rolls on a wooden counter

Oct 21, 20268 min read

What Is a POS System? How It Works and What It Does

What is a POS system? Learn how POS hardware, software and payment processing fit together, and how to spot processing lock-in before you sign.

MannyPay Editorial Team

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Oct 21, 202610 min read

Visa Chargeback Reason Codes: Every Category Explained

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

MannyPay Editorial Team

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Oct 21, 20268 min read

Retail Credit Card Fraud: Spotting Stolen Cards at the Register

Retail credit card fraud prevention for your counter: red flags, gift card scams, keyed-entry risks, staff scripts and POS settings that stop stolen cards.

MannyPay Editorial Team

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Oct 21, 20268 min read

Pop-Up Shop Payments: Card Readers for Markets and Craft Fairs

Pop-up shop payment processing guide: choose a card reader that syncs with your store POS, stays connected at markets and keeps inventory accurate.

MannyPay Editorial Team

Oct 21, 20268 min read

Points, Punch Cards, or Tiers? Picking the Right Loyalty Model

Compare the main types of loyalty programs, from punch cards to points, tiers and paid memberships, and match each model to how your customers buy.

MannyPay Editorial Team

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Oct 21, 20269 min read

Non-Qualified Rates: How Tiered Pricing Downgrades Cost You

Learn how a non-qualified credit card rate gets triggered under tiered pricing, how to calculate what downgrades cost you, and how to stop overpaying.

MannyPay Editorial Team

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Oct 21, 20268 min read

Is 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

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Oct 21, 20269 min read

Intermarché Breach Hits 300K Shoppers: A Notification Checklist

What the Intermarché data breach teaches U.S. merchants: a 72-hour checklist to contain an incident, meet notice duties and protect customers.

MannyPay Editorial Team

Bartender in a black vest serving a glass of champagne to three smiling women in cocktail dresses at a wooden bar

Oct 21, 20268 min read

Illinois Swipe Fee Law Appeal: What Merchants Should Do Now

The 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.

MannyPay Editorial Team

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Oct 21, 20268 min read

Halloween Swipe Fees Estimated at $320M: Pricing Moves for Merchants

Halloween 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.

MannyPay Editorial Team

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Oct 21, 20269 min read

Credit Card Reconciliation: Match Deposits to Sales Every Month

Learn credit card reconciliation for small business: match deposits to sales, explain every fee, refund and chargeback, and catch missing funds.

MannyPay Editorial Team

Miniature metal shopping cart on a black keyboard in front of a monitor showing a blurred online store page

Oct 21, 20269 min read

Credit Card Decline Codes: What Each One Means and What to Do

Learn what common credit card decline codes mean, which declines you can retry, and what to tell customers in store, online and on recurring billing.

MannyPay Editorial Team

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Oct 21, 20269 min read

Countertop vs. Wireless vs. Mobile Card Readers: Which Fits Your Business

Countertop vs. wireless credit card terminal, or a mobile reader? Compare connectivity, battery life and total cost to match hardware to where you get paid.

MannyPay Editorial Team

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Oct 21, 20268 min read

Changing 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

Small cardboard box hand-labeled Online Shopping on a laptop keyboard, shopping cart icon on the blurred screen

Oct 21, 20269 min read

Buy Online, Pick up in Store: Setting up BOPIS Payments

Set 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.

MannyPay Editorial Team

Boutique interior with handbags in black, tan and blue on lit shelves, wallets in a display case and heels below

Oct 21, 20269 min read

Business Line of Credit vs. Term Loan: Which Fits Your Need?

Business 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.

MannyPay Editorial Team

Woman in a sequined dress holding red polka-dot shopping bags in front of a lit Christmas tree

Oct 20, 20268 min read

Why Your Processor Held Funds After a Big Holiday Sales Spike

Is your processor holding funds after a sales spike? Learn why holiday surges trigger reviews and how to raise limits before Black Friday.

MannyPay Editorial Team

Smiling baker in an apron holding a loaf of bread

Oct 20, 20268 min read

Low 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

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Oct 20, 20269 min read

What 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

Oct 20, 20268 min read

What 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

Empty boardroom with black mesh chairs along a glossy dark table set with notepads and green pencils

Oct 20, 20269 min read

Visa's New Installment Interchange Rates: October 2026 Explained

Visa installment credential interchange rates arrive with Visa's October 2026 update. See the new categories, who sees them and how to catch hidden markups.

MannyPay Editorial Team

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Oct 20, 20269 min read

Visa and Mesh Crypto Spending: What Changes at Your Checkout

Visa Mesh crypto payments let shoppers pay from crypto wallets at Visa merchants. Learn what changes at your checkout and what's still unknown.

MannyPay Editorial Team

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Oct 20, 20268 min read

Swipe Fee Settlement Heads to Final Approval: What's at Stake

The 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.

MannyPay Editorial Team

Antique ornate cash register fitted with a modern touchscreen

Oct 20, 20268 min read

Square vs. Shopify POS for Retail: Fees, Hardware, and Inventory

Square vs Shopify POS for retail: compare processing fees, software plans, hardware and inventory tools, plus when a third option may cost your shop less.

MannyPay Editorial Team

Card being inserted into a handheld card payment terminal

Oct 20, 20268 min read

Smart 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

Worker carrying a tray of packed parcels in a shipping room

Oct 20, 20268 min read

Sales Spike Coming? Warn Your Processor Before Your Funds Get Held

Avoid 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.

MannyPay Editorial Team

Woman glancing back as a cashier hands over a card

Oct 20, 20268 min read

Retail Returns: Refund to Original Payment, Cash or Store Credit?

Learn to set a retail refund to original form of payment rule in your POS, control no-receipt returns and limit return fraud and disputes.

MannyPay Editorial Team

Shopper browsing leather goods on shelves in a bright boutique

Oct 20, 20268 min read

How to Choose a Retail POS System: A Guide for Independent Stores

Choose the right retail POS system for your independent store: inventory and variants, barcode hardware, returns, online sync, and the quote terms to check.

MannyPay Editorial Team

Elderly shopkeeper adjusting her glasses behind a cluttered market counter

Oct 20, 20268 min read

Retail Credit Card Processing Fees: What Should a Shop Pay?

Learn 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.

MannyPay Editorial Team

Woman carrying colorful shopping bags over her shoulder

Oct 20, 20268 min read

Retail Chargebacks: How to Win Return and 'Not as Described' Disputes

Prevent and win retail chargebacks, from credit not processed to friendly fraud, with the receipts, signage and return logs banks look for.

MannyPay Editorial Team

Bakery counter displaying croissants, pain au chocolat and fougasse on tiered stands and wooden crates with handwritten tags

Oct 20, 20269 min read

PCI Compliance for Retail Stores: Counter, Phone and Back Office

PCI compliance for retail stores, mapped to counter, phone and back office: shrink scope, pick the right SAQ, work toward removing non-compliance fees.

MannyPay Editorial Team

Man in a suit holding and reading a smartphone

Oct 20, 20269 min read

One Fake Contact, One Breach: Social Engineering Lessons for Merchants

What the ASOS social engineering data breach teaches retail merchants, plus a checklist to protect staff logins, SaaS apps and payment portals.

MannyPay Editorial Team

Oct 20, 20269 min read

More Rewards Breach: Is Your Loyalty Program the Weak Spot?

A 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.

MannyPay Editorial Team

Man browsing on a tablet at a table with a coffee cup

Oct 20, 20268 min read

Merchant 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

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Oct 20, 202610 min read

Merchant Cash Advance: How It Works and What It Really Costs

Learn how a merchant cash advance works, convert a factor rate and daily holdback into an effective APR, and spot contract risks before you sign.

MannyPay Editorial Team

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Oct 20, 20269 min read

Early Termination Fee on Your Merchant Account? How to Avoid Paying It

Facing 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.

MannyPay Editorial Team

Hand with pencil checking a receipt next to a calculator and notebook

Oct 20, 20268 min read

Interchange-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

Hands using a calculator beside a laptop showing a spreadsheet

Oct 20, 20268 min read

Interchange-Plus Pricing: Why Low-Risk Merchants Should Ask

Learn 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.

MannyPay Editorial Team

City skyline of high-rises along a river on a sunny day

Oct 20, 20269 min read

Illinois Interchange Fee Prohibition Act: Delays, Lawsuit and Next Steps

Where 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.

MannyPay Editorial Team

Oct 20, 20269 min read

How to Start a Customer Loyalty Program That Pays for Itself

Learn how to start a loyalty program using your average ticket and margin, so rewards bring customers back more often without giving away your profit.

MannyPay Editorial Team

Customer holds a blue credit card over a card payment terminal as a cashier holds the keypad at a store counter

Oct 20, 20268 min read

How to Offer Layaway in Your Store: Payments, Fees, and Rules

Learn how to offer layaway in your store: set deposits and terms, track balances in your POS, automate card payments, and follow state disclosure rules.

MannyPay Editorial Team

Oct 20, 20269 min read

How 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

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Oct 20, 20268 min read

How 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

Open leather wallet showing a row of credit cards

Oct 20, 20268 min read

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

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

MannyPay Editorial Team

Hand holding a smartphone with a shopping app and a card

Oct 20, 20269 min read

Guest Checkout vs. Forced Accounts: Which Converts Better?

Guest checkout or forced accounts? Learn why required sign-ups cost sales and how to keep customer data and repeat buyers without them.

MannyPay Editorial Team

Hand swiping a card through a handheld card terminal

Oct 20, 20269 min read

Debit vs. Credit Card Processing Fees: What Merchants Pay

Debit vs credit card processing fees explained: regulated vs. exempt debit, PIN vs. signature routing, and how to see debit savings on your statement.

MannyPay Editorial Team

Customer tapping a phone on a payment terminal at a store counter

Oct 20, 20268 min read

Contactless Payments for Small Business: NFC Setup and Costs

Contactless payments for small business explained: how NFC tap works, which terminals to buy, what it costs and how to manage fraud and CVM limits.

MannyPay Editorial Team

Bakers behind a counter piled with breads and pastries

Oct 20, 20269 min read

How to Choose a POS System for Your Filipino Bakery

Choosing a POS system for a Filipino bakery? Learn what speeds the pandesal rush, tracks daily bakes, handles holiday preorders and keeps costs in check.

MannyPay Editorial Team

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

Oct 20, 20269 min read

Chargeback Rebuttal Letter: Template and Evidence That Wins

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

MannyPay Editorial Team

Hand inserting a chip card into a countertop payment terminal

Oct 20, 20269 min read

Card-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

Two women with backpacks browse crowded shelves of jars, bottles and gifts in a small independent retail shop

Oct 20, 20269 min read

Buy Now, Pay Later for Retail Stores: Is It Worth the Fee?

Buy 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.

MannyPay Editorial Team

Smiling shop owner leaning on a counter in a jewelry and gift store

Oct 20, 202610 min read

Best POS Systems for Retail Stores: A Small Shop Buyer's Guide

Find the best POS system for retail store needs: variant inventory, barcode labels, online sync, hardware bundles and contract traps to avoid.

MannyPay Editorial Team

Empty grocery store aisle with shelves of bottled drinks on the left and packaged snacks on the right, a shopper at the far end

Oct 20, 20269 min read

Ahold Delhaize Cyberattack: Keep Selling When Systems Go Dark

The Ahold Delhaize cyberattack took grocery sites offline. Learn how independent stores can keep taking payments and protect card data when systems fail.

MannyPay Editorial Team