IndustriesWire vs. ACH vs. Card for Big Diamond Purchases
Learn 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.
MannyPay Editorial TeamRisk level
Medium-Risk Businesses
Payment guides for medium-risk merchants: what underwriters look for, reserves to expect and how to qualify for better terms.
Industries
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 Team
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
GlossaryWhat Are Chargeback Reason Codes? How to Read Them
Learn how chargeback reason codes work, how Visa and Mastercard group them, and which evidence wins fraud, authorization, processing and consumer disputes.
MannyPay Editorial Team
IndustriesWeb Design Change Orders: Billing Scope Creep Without Losing Clients
Build 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.
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
GlossaryVoid 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
NewsVisa Decline Code Changes Oct. 23–25: Fix Your Retry Logic Now
Visa 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.
MannyPay Editorial Team
IndustriesUsage-Based Billing for SaaS: Metering, Invoices and Card Limits
Usage-based billing can trigger surprise bills, card declines and disputes. Learn how to meter usage, set thresholds and disclose overages so they get paid.
MannyPay Editorial Team
IndustriesTicket Fraud: Stopping Stolen Cards and Bot Buys on Your Event
Ticket fraud prevention for event organizers: spot stolen-card and bot orders, tighten checkout, delay risky deliveries and defend chargebacks.
MannyPay Editorial Team
NewsThunes and Coinbase Team up: Faster Cross-Border Payouts Ahead?
The 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.
MannyPay Editorial Team
IndustriesSwitching Processors Without Losing Subscribers' Saved Cards
Learn 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.
MannyPay Editorial Team
IndustriesStripe Connect Fees: Standard vs. Express vs. Custom True Cost
Stripe 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.
MannyPay Editorial Team
IndustriesStorage-in-Transit and Monthly Storage Billing for Movers
Moving 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.
MannyPay Editorial Team
Business GrowthSMS 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
Business GrowthShopify Payments vs. a Third-Party Gateway: The Real Cost Math
Compare Shopify Payments vs a third party gateway with simple break-even math, and learn the monthly volume where an outside merchant account saves money.
MannyPay Editorial Team
High-RiskShopify Payments Suspended? Why It Happens and Your Next Steps
Shopify Payments account suspended? Learn why stores get shut down, how to answer a review, what happens to held payouts, and how to keep selling.
MannyPay Editorial Team
IndustriesSelling to International Customers: Cross-Border Card Fees
Learn the cross-border fees ecommerce stores pay on foreign cards, from network assessments to FX markups, and when multi-currency pricing pays off.
MannyPay Editorial Team
Business GrowthSelling on Amazon vs. Your Own Website: The Real Fee Math
Selling on Amazon vs. your own website? Compare referral, fulfillment, ad, and processing costs per order, plus cash flow and customer data trade-offs.
MannyPay Editorial Team
IndustriesSelling Gold Bullion and Coins on Credit Cards: Rules and Margins
Accepting credit cards for gold bullion can erase thin premiums. Learn pricing tiers, spot-price locks, fraud controls, and how to get processor approval.
MannyPay Editorial Team
Local Guides · Seattle, WASeattle Sales Tax for Online and Delivery Orders: Destination Rules
Learn how Washington destination-based sales tax applies to Seattle delivery and online orders, and how to set correct rates in Shopify, WooCommerce and POS.
MannyPay Editorial Team
IndustriesSeason Ticket Billing: Payment Plans for Teams and Theaters
Set up a season ticket payment plan that works: monthly billing, legal auto-renewals, saved cards that stay current, and clear rules for missed payments.
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 GrowthRetail 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
IndustriesRefunding Unspent Cashless Wristband Balances After a Festival
Set a cashless festival wristband refund policy with clear windows, fees and breakage rules that help you avoid chargebacks and unclaimed property issues.
MannyPay Editorial Team
IndustriesRaising Gym Membership Prices: Notice, Billing, and Grandfathering
Planning a gym membership price increase? Learn what contracts and auto-renewal laws require, how to grandfather members, and how to avoid chargebacks.
MannyPay Editorial Team
Business GrowthPayment Processing for Event Ticketing: Avoiding Payout Delays
Learn why event ticketing payment processing often delays payouts until show day, and how to negotiate releases that fund deposits, talent and venue costs.
MannyPay Editorial Team
Processing BasicsPayment Gateway vs. Payment Processor: Who Does What
Payment gateway vs payment processor explained: what each one does, how they work together, and when bundling or separating them can save you money.
MannyPay Editorial Team
IndustriesPaid-in-Full Black Belt Programs: Why Processors Hold Your Funds
Selling 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.
MannyPay Editorial Team
IndustriesOther Tobacco Products Tax: Per-Ounce vs. Wholesale Rates in Your POS
Learn 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.
MannyPay Editorial Team
Business GrowthOne-Page vs. Multi-Step Checkout: How to Pick for Your Store
One-page checkout vs. multi-step checkout: learn which layout fits your order complexity, shipping options and mobile traffic, and how to test the switch.
MannyPay Editorial Team
Industries'No Refunds' on Digital Products: Is It Legal and Does It Work?
Build a digital product refund policy that holds up with card networks, state law and EU withdrawal rules, and that reduces chargebacks.
MannyPay Editorial Team
IndustriesMoving Broker Payments: Deposits, Carrier Payouts, and FMCSA Rules
Learn 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.
MannyPay Editorial Team
IndustriesMicropayment Fees: Selling $0.99 Downloads Without Losing Money
Micropayment processing fees can eat a third of a $0.99 sale. Compare pricing plans, aggregation, prepaid wallets and bundles to protect your margin.
MannyPay Editorial Team
IndustriesMCC 7997 vs. 8299: Which Code Should Your Gym or Dojo Use?
Learn 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.
MannyPay Editorial Team
IndustriesMarketplace Take Rates: Pricing Commission to Cover Card Fees
Set a marketplace take rate that covers card processing, payouts, and disputes. Get the margin math, fee structures, and buyer fee disclosure tips.
MannyPay Editorial Team
IndustriesMarketplace Seller Fraud: Fake Shops, Triangulation, and Collusion
Learn how marketplace seller fraud works, from fake shops to triangulation and collusion, plus payout controls that stop losses early.
MannyPay Editorial Team
IndustriesLive-In and 24-Hour Care Deposits: Collecting Upfront Safely
Learn 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.
MannyPay Editorial Team
IndustriesLiquor Store Chargebacks: Fighting 'My Teen Used My Card' Disputes
Fight a liquor store chargeback by combining chip data, ID scan logs, receipts and video into evidence that answers "my teen used my card" disputes.
MannyPay Editorial Team
IndustriesHow to Redeem Cigarette Coupons and Multipack Buydowns at the POS
Learn how to redeem cigarette coupons and multipack buydowns at the POS so discounts ring correctly, respect minimum price laws and get reimbursed.
MannyPay Editorial Team
Business GrowthHow 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
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
Business GrowthHow 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
IndustriesHow Promoters Pay Fighter Purses: Methods, Bonds, and 1099s
Learn how to pay fighters purse money on fight night: commission bonds, payout methods, processor holds, W-9s and 1099-NEC rules for promoters.
MannyPay Editorial Team
IndustriesGetting Paid by International Web Design Clients: Fees Compared
Compare card, wire, Wise and PayPal costs when you accept payments from international clients, including FX spreads, cross-border fees and dispute risk.
MannyPay Editorial Team
Business GrowthForm 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
NewsFed 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
IndustriesFake Cashier's Checks and Wire Scams Targeting Car Dealers
Learn 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.
MannyPay Editorial Team
Processing BasicsFailed Subscription Payments: Smart Retries and Dunning That Work
Failed payment recovery for subscriptions: a retry schedule, dunning sequence and decline-code logic that win back renewals and limit network fee risk.
MannyPay Editorial Team
High-RiskExcessive Chargeback Programs: What Happens If You're Enrolled
Enrolled in an excessive chargeback program? Learn what Visa and Mastercard enrollment triggers, from fines to remediation plans, and how to exit in time.
MannyPay Editorial Team
Business GrowthEconomic Nexus: When Online Sellers Must Collect Sales Tax
Learn how economic nexus sales tax rules work, how to track state thresholds, and what marketplace facilitator laws mean for your online store.
MannyPay Editorial Team
IndustriesDSers vs. AutoDS vs. CJ: How Supplier Order Payments Work
DSers 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.
MannyPay Editorial Team
IndustriesDo You Need an LLC for Dropshipping? The Payment Setup Answer
Do I need an LLC for dropshipping? See how processors weigh business structure, EIN, bank accounts and personal guarantees before approving your store.
MannyPay Editorial Team
IndustriesDo You Get Processing Fees Back on Online Refunds?
Do 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.
MannyPay Editorial Team
Processing BasicsDigital 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
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
IndustriesCorporate Relocation Billing: Getting Paid by RMCs and Employers
Corporate relocation billing guide for movers: handle RMC net terms, invoice audits and short pays, and reduce card costs with Level 2/3 data.
MannyPay Editorial Team
IndustriesCollecting Medicaid Share of Cost From Home Care Clients
Learn how home care agencies can collect Medicaid share of cost from waiver clients using autopay, payday timing and clear payer setup, not write-offs.
MannyPay Editorial Team
Local Guides · Chicago, ILChicago Amusement Tax: Tickets, Streaming and What to Charge
Learn how the Chicago amusement tax applies to event tickets, resales and streaming subscriptions, and how to set up checkout to collect the right amount.
MannyPay Editorial Team
IndustriesCan Members Use HSA or FSA for Gym Memberships? A Gym Owner's Guide
Can 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.
MannyPay Editorial Team
ComparisonsBNPL 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
IndustriesAnnual vs. Monthly Subscription Billing: Fees, Risk, and Cash Flow
Compare annual vs monthly subscription billing on fees, reserves, refund exposure and renewal rules to pick a plan mix that protects cash flow.
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
IndustriesACH Recurring Billing for Memberships: Nacha Authorization Rules
Learn what a valid ACH recurring payment authorization needs, which return codes to watch and when ACH beats card for collecting membership dues.
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
Processing BasicsACH Authorization Requirements: Forms, Wording, and Proof
Learn what a strong ACH authorization form includes, how to capture online and phone consent, and how to keep proof that holds up to unauthorized claims.
MannyPay Editorial Team
Fraud & Security3-D Secure 2 Explained: Fewer Fraud Chargebacks, Less Friction
Learn how 3D Secure 2 works, when the liability shift applies, and how to trigger it selectively to cut fraud chargebacks with less checkout friction.
MannyPay Editorial Team
IndustriesWhy Processors Flag Web Design Agencies and How to Get Approved
Need 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.
MannyPay Editorial Team
Business GrowthWhich Payment Methods Should Your Online Store Accept?
What 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.
MannyPay Editorial Team
GlossaryWhat 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
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
GlossaryWhat Is a Payment Facilitator (PayFac)? Pros and Cons
What 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.
MannyPay Editorial Team
NewsVisa's VAMP Explained: New Fraud and Dispute Thresholds
Learn how the Visa Acquirer Monitoring Program (VAMP) ratio works, which thresholds apply in 2026, and how to calculate and lower your own ratio.
MannyPay Editorial Team
Fraud & SecurityVisa Dispute Monitoring Programs: What Triggers Enrollment
Learn how the Visa chargeback monitoring program measures disputes and fraud, what happens if you're flagged, and how to build a remediation plan.
MannyPay Editorial Team
IndustriesVAT on Digital Products: A U.S. Seller's Guide to Foreign Tax
A 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.
MannyPay Editorial Team
High-RiskVape Shop Merchant Accounts: Federal Rules, Age Checks, and Approval
Learn how federal remote-sale duties, age verification, and state shipping laws affect a vape merchant account, plus what to expect on rates and reserves.
MannyPay Editorial Team
Business GrowthTaking Preorders Online Without Triggering Processor Holds
Accepting payments for preorders? Compare charge-now, authorize-later, and deposit models, and learn how to avoid processor holds and chargebacks.
MannyPay Editorial Team
IndustriesStored Credentials and MIT Flags: Set up Card-on-File Billing Right
Learn how merchant initiated transactions, CIT vs. MIT flags and original transaction IDs work, and how to test your setup to reduce renewal declines.
MannyPay Editorial Team
IndustriesStadium and Arena Concessions: POS That Handles Halftime Rushes
Choose a stadium concession POS that survives halftime rushes: stand, roaming and kiosk hardware, in-seat ordering, network planning and partner payouts.
MannyPay Editorial Team
IndustriesSmartMoving vs. Supermove vs. MoveitPro: Payment Features Compared
See how SmartMoving, Supermove and MoveitPro handle moving company software payments: deposits, crew app charges, card on file and your own processor.
MannyPay Editorial Team
ProductsShopify Third-Party Payment Gateways: When to Use One
Weighing 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 Editorial Team
IndustriesSelling Premium Cigars Online: Payments, Age Checks, and State Laws
Selling cigars online? Learn how payment processing, age verification, state shipping limits and tobacco taxes work, so your store stays approved.
MannyPay Editorial Team
IndustriesSelling Gym Day Passes and Drop-Ins Online With Waivers
Learn 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.
MannyPay Editorial Team
IndustriesReselling Hosting to Clients: Billing, Markups, and Failed Payments
Web hosting reseller billing for agencies: set markups, pick annual or monthly plans, recover declined renewals and stop fronting server costs.
MannyPay Editorial Team
IndustriesPreorder Payments: Charge Now or When the Product Ships?
Preorder payment processing explained: compare charging upfront, authorizing and capturing later, or vaulting cards, plus FTC shipping and chargeback tips.
MannyPay Editorial Team
IndustriesPower of Attorney Payments: Who Can Authorize Home Care Billing
Learn when a power of attorney credit card payment is valid for home care, what documents to collect, and how to avoid invalid charges.
MannyPay Editorial Team
IndustriesPersonal Training Packages: Payment, Expiration, and Trainer Payouts
Learn how to handle personal training package payment: session packs, expiration rules, trainer payouts and refunds for unused sessions.
MannyPay Editorial Team
NewsPCI DSS 4.0.1 Payment Page Script Rules: What Changed in 2025
PCI 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.
MannyPay Editorial Team
IndustriesPaying Your Beer and Wine Distributor: COD, EFT, and Credit Laws
Liquor store distributor payment terms explained: COD, EFT debits, short credit windows, and how to avoid returned payments and cash-only status.
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
IndustriesNurse Staffing Factoring vs. Card and ACH: Fixing Cash Flow
Compare nurse staffing invoice factoring with card and ACH payments from facilities, and learn how to cover weekly nurse payroll at the lowest true cost.
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
IndustriesMoney Transmitter Licenses for Marketplaces: Agent-of-Payee Rules
Money transmitter license marketplace rules explained: when holding seller funds triggers state law and how agent-of-payee terms and payout design help.
MannyPay Editorial Team
Business GrowthMerchant Funds on Hold? Why It Happens and How to Get Paid
Merchant account funds on hold? Learn what triggers a risk review, what documents to send, realistic release timelines, and how to prevent the next hold.
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
High-RiskMerchant Account Application Denied? Common Reasons and Fixes
Merchant account application denied? Learn the most common underwriting denial reasons and the concrete fixes that give your reapplication a real chance.
MannyPay Editorial Team
IndustriesMCC 5815–5818: How Digital Goods Codes Change Your Fees
Learn what MCC 5818 and the other digital goods codes mean, how the wrong code affects interchange, approvals and monitoring, and how to fix it.
MannyPay Editorial Team
Processing BasicsLocal Payment Methods: iDEAL, Pix, and More by Country
Learn 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.
MannyPay Editorial Team
IndustriesLiquor Quantity Discount Laws: Case Deals Your POS Can Legally Run
Learn 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.
MannyPay Editorial Team
Rates & FeesIs 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
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
Processing BasicsInterchange Downgrades: Why Some Sales Cost More and How to Fix Them
Learn what causes an interchange downgrade, how to spot non-qualified transactions on your statement, and the settings that help you avoid paying more.
MannyPay Editorial Team
IndustriesIntegrating Card Payments With CDK, Reynolds, and Dealertrack DMS
Learn how DMS payment integration helps car dealerships post and reconcile card payments in CDK, Reynolds, and Dealertrack and keep your own processor.
MannyPay Editorial Team
IndustriesINFORM Consumers Act: Marketplace Seller Disclosure Checklist
A practical INFORM Consumers Act compliance checklist for marketplaces: seller thresholds, bank verification, recertification and buyer disclosures.
MannyPay Editorial Team
Processing BasicsHow to Improve Authorization Rates: 12 Fixes for False Declines
Learn how to improve authorization rates with 12 fixes for data, tokens, retries, fraud rules and routing that recover sales lost to false declines.
MannyPay Editorial Team
Business GrowthHow to Earn Standard Processing Terms and Shrink Your Reserve
Learn how to reduce merchant account reserve holdbacks with a 6- to 12-month plan, plus the metrics and documents processors want to see.
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
ComparisonsHigh-Risk vs. Low-Risk Merchant Accounts Explained
Compare a high-risk vs. low-risk merchant account: what underwriters review, how fees, reserves and contracts differ, and how to qualify for better terms.
MannyPay Editorial Team
IndustriesGumroad vs. Lemon Squeezy vs. Payhip: Creator Fees Compared
Gumroad vs. Lemon Squeezy vs. Payhip: see how creator fees, tax handling and payouts change your take-home on $10, $49 and $299 sales.
MannyPay Editorial Team
Business GrowthGift 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
High-RiskFree Trial and Subscription Billing Rules From Visa and Mastercard
Learn the free trial billing rules Visa and Mastercard set for consent, reminders and cancellation, plus a checklist to protect approvals and chargebacks.
MannyPay Editorial Team
Local Guides · FLFlorida 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
IndustriesFestival Ticket Payment Plans: Installments That Limit Default Losses
Set up a festival ticket payment plan that can lift pass sales, compare in-house installments with BNPL, and handle failed payments before gates open.
MannyPay Editorial Team
Business GrowthFalse Declines: Why Good Customers Get Rejected and How to Fix It
Learn how to reduce false declines by decoding issuer responses and tuning AVS, CVV and fraud filters so legitimate customers can finish checking out.
MannyPay Editorial Team
IndustriesEscrow-Style Payments: Holding Funds Until Buyers Confirm Delivery
Learn how an escrow payment for marketplace orders works, when to hold payment until delivery, and when you need a licensed escrow partner.
MannyPay Editorial Team
IndustriesEngagement Ring Financing: Setting up a Program for Your Store
Set up a jewelry store financing program that closes more engagement ring sales. Compare private-label credit, lease-to-own, BNPL and merchant fees.
MannyPay Editorial Team
Business GrowthEmployee 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
Business GrowthDunning Management: Recover Failed Subscription Payments
Learn how dunning management recovers failed subscription payments with smart retry timing, reminder emails and grace periods that stop accidental churn.
MannyPay Editorial Team
IndustriesDropshipping Sales Tax: Resale Certificates and Who Collects
Learn how dropshipping sales tax works across three parties, why suppliers may charge you tax, and how resale certificates help you avoid paying twice.
MannyPay Editorial Team
IndustriesDropshipping Refund Policy: When Your Supplier Won't Refund You
Write a dropshipping refund policy that protects your margin when supplier terms are strict, reduces dispute risk and supports processor review.
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
Business GrowthCheckout Abandonment: Payment Fixes That Recover Lost Sales
Reduce checkout abandonment with payment fixes: show totals early, offer guest checkout, add expected payment methods and measure what works.
MannyPay Editorial Team
Fraud & SecurityChargeback 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
IndustriesCash Discount Programs for Tobacco Shops: Legal Setup and Pitfalls
Set up a tobacco shop cash discount program that recovers card fees without breaking card network rules, state surcharge laws or cigarette minimum prices.
MannyPay Editorial Team
IndustriesCaregivers Using Client Cards for Errands: Fraud-Safe Policies
A caregiver using a client credit card for errands creates risk. Learn a fraud-safe policy for prepaid cards, reimbursement, receipts and spending limits.
MannyPay Editorial Team
IndustriesCan Moving Companies Charge a Credit Card Fee? Surcharge Rules
Can moving companies charge credit card fees? Learn surcharge rules, state limits, cash discount options and how to list card fees in estimates and tariffs.
MannyPay Editorial Team
IndustriesCan Car Dealerships Charge a Credit Card Fee? Surcharge Rules
Can car dealerships charge credit card fees? Learn how surcharges, debit rules, doc fees and buyer's order disclosures work before you add one.
MannyPay Editorial Team
IndustriesBuying a Gym? How to Transfer Member Billing Without Losing Dues
Buying a gym? Transfer memberships, stored cards and contracts the right way, keep dues flowing and avoid chargebacks after the sale closes.
MannyPay Editorial Team
IndustriesBest Invoicing Software for Web Design Agencies Compared
Compare invoicing software for web design agency billing: deposits, milestones, retainers, ACH, and what processing fees really cost on a large invoice.
MannyPay Editorial Team
IndustriesAdding Apple Pay, Google Pay, and PayPal to Your Store's Checkout
How to add Apple Pay to website checkout, plus Google Pay and PayPal: setup steps, fees, fraud benefits and button placement for mobile shoppers.
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
Business Growth13-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
IndustriesWine Club Billing for Liquor Stores: Recurring Charges Done Right
Choose wine club billing software that ties card-on-file charges to inventory, age checks and renewal rules, and helps reduce declines and chargebacks.
MannyPay Editorial Team
IndustriesWhen a Home Care Client Dies: Collecting the Final Invoice
Handling a home care bill after client death? Learn what to do with cards on file, POA authority, autopay, final invoices and estate creditor claims.
MannyPay Editorial Team
GlossaryWhat 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
IndustriesWeb vs. App Store Subscriptions: Cutting Platform Fees Legally
Web vs. app store subscriptions: compare commission and processing costs, linking rules, and the refund and chargeback tradeoffs of web billing.
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
Fraud & SecurityVisa 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
IndustriesTobacco Scan Data Programs: Earn Altria and RJR Payments via Your POS
Learn 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.
MannyPay Editorial Team
IndustriesTicket Chargebacks After the Show: Using Scan Data as Proof
Learn 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.
MannyPay Editorial Team
IndustriesSubscription Refund Policy: Prorated, Partial or None?
Build a subscription refund policy that fits state law and card network rules, handles annual plans fairly, and holds up in a chargeback.
MannyPay Editorial Team
Business GrowthSubscription Merchant Accounts: Getting Approved for Recurring Billing
Need a subscription merchant account? Learn what underwriters check, from cancellation flow to descriptors, and which recurring billing features to require.
MannyPay Editorial Team
IndustriesStripe vs. PayPal vs. Square for Web Designers: Best Setup
Find the best payment processor for web designers: compare Stripe, PayPal and Square on invoice fees, ACH, payout holds, retainers and integrations.
MannyPay Editorial Team
IndustriesShould Your Marketplace Become a Payment Facilitator?
PayFac vs. marketplace explained: how card network rules classify your platform, what a full PayFac costs, and when PayFac-as-a-service fits better.
MannyPay Editorial Team
IndustriesSelling Tickets for a Boxing Event: Payments for Fight Promoters
Learn how to sell tickets for a boxing event, from advance sales and fighter allotments to door sales, refunds and why processors hold promoter funds.
MannyPay Editorial Team
IndustriesRefundable Deposits to Hold a Car: Policies, Laws, and Disputes
Taking a deposit to hold a car at dealership? Learn refund rules, deposit agreement language, and records that help you avoid disputes and chargebacks.
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
IndustriesPCI Compliance for Web Developers: Who's Liable for Client Checkouts
PCI compliance for web developers explained: where agency responsibility ends, how build choices shift scope, and contract terms that limit liability.
MannyPay Editorial Team
Filipino BusinessesPayment Processing for Home Care Agencies: A Practical Guide
Set up payment processing for home care agencies: recurring card and ACH billing, family payers and private payment records that protect clients.
MannyPay Editorial Team
IndustriesPatreon vs. Ko-Fi vs. Buy Me a Coffee: What Creators Actually Keep
Compare 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.
MannyPay Editorial Team
IndustriesOnline Jewelry Fraud: Stopping Stolen Cards on Diamonds and Watches
Learn online jewelry store fraud prevention: spot reshippers and rush orders, use 3D Secure and AVS, and review high-value pieces before you ship.
MannyPay Editorial Team
IndustriesOnline Booking for Movers: Instant Quotes and Card-on-File
Set up moving company online booking payment the right way: deposits, saved cards, consent language and fraud settings that turn quotes into booked moves.
MannyPay Editorial Team
IndustriesNew Online Store, No Sales History: How to Get a Merchant Account
Getting a merchant account for a new online business? Learn what underwriters check without sales history and how to estimate volume to avoid holds.
MannyPay Editorial Team
Processing BasicsNetwork Tokenization: Higher Approvals and Fewer Failed Renewals
Learn how network tokenization differs from gateway tokens, keeps stored cards current, and can lift approvals for subscriptions and online stores.
MannyPay Editorial Team
IndustriesMoving Company Chargebacks: Winning Damage and Delay Disputes
Learn how to fight a moving company chargeback with bills of lading, inventory sheets, valuation elections and delivery-window terms that win disputes.
MannyPay Editorial Team
IndustriesMindbody Payment Processing Fees: Can You Use Your Own Processor?
Mindbody payment processing fees explained: read your statement, compare an outside processor, and negotiate a better rate for your studio's dues.
MannyPay Editorial Team
IndustriesMCC 7922: How Your Ticketing Category Code Affects Fees and Risk
Learn what MCC 7922 tells issuers and underwriters about your ticketing business, how it affects fees and declines, and how to fix a wrong code.
MannyPay Editorial Team
IndustriesMartial Arts Tournament Registration: Collecting Entry Fees Online
Set up martial arts tournament registration that collects entry fees online, handles door sales, and limits refund disputes and chargebacks after the event.
MannyPay Editorial Team
IndustriesMarketplace Prohibited Items: Policing Listings for Your Processor
Turn your processor's restricted list into a marketplace prohibited items policy with filters, review and enforcement that protect your account.
MannyPay Editorial Team
Processing BasicsInternational Chargebacks: How to Win Disputes From Abroad
Learn how international chargebacks differ, from currency conversion losses to foreign issuers and shipping proof, and build evidence that wins disputes.
MannyPay Editorial Team
NewsIntermarché 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
IndustriesHow to Pay Dropshipping Suppliers: Cards, Payoneer, Wise, or Wire
Learn how to pay dropshipping suppliers by card, Payoneer, Wise, PingPong, or wire, and compare FX, wire, and card costs to protect your margins.
MannyPay Editorial Team
IndustriesHome Care Software Payments: WellSky, AxisCare, AlayaCare
Compare home care software payment integration options in WellSky, AxisCare and AlayaCare, spot bundled-rate costs and switch processors safely.
MannyPay Editorial Team
NewsHalloween 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
IndustriesGym Pro Shop POS: Selling Gloves, Gear, and Shakes at the Desk
Set up a gym pro shop POS that sells gloves, apparel, supplements and shakes alongside dues, with member pricing, charge-to-account and sized inventory.
MannyPay Editorial Team
IndustriesCustom Engagement Ring Deposits: Payment Terms That Protect You
Build 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.
MannyPay Editorial Team
IndustriesCredit Card Surcharges and Cash Discounts for Liquor Stores
Thinking about a liquor store cash discount program? Learn how card rules, surcharge bans, and alcohol pricing laws affect what you can legally charge.
MannyPay Editorial Team
Business GrowthCredit 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
Processing BasicsCredit 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
IndustriesCigarette Minimum Price Laws: Setting Legal Prices in Your POS
Learn how cigarette minimum price laws, excise stamps and coupon bans affect checkout, and how to set POS price floors that keep promotions legal.
MannyPay Editorial Team
High-RiskChargeback Ratio Thresholds: How Close Is Too Close?
Learn how a chargeback ratio threshold is calculated, how card network monitoring works, and the warning signs to watch before your account is at risk.
MannyPay Editorial Team
IndustriesCar Wash Unlimited Memberships: LPR, RFID and Recurring Billing
Car wash membership billing explained: sign members up at the pay station, choose LPR or RFID, handle failed renewals and prevent cancellation chargebacks.
MannyPay Editorial Team
IndustriesCar Dealership Chargebacks: Down Payment and Deposit Disputes
Learn why a car dealership chargeback happens on deposits and down payments, which deal-jacket documents win disputes, and how to prevent them.
MannyPay Editorial Team
IndustriesCan You Buy Cigarettes With EBT? Rules Every Tobacco Seller Must Know
Can 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.
MannyPay Editorial Team
IndustriesCan Home Care Agencies Add a Credit Card Surcharge?
Learn 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.
MannyPay Editorial Team
IndustriesBuying Gold From the Public: Payout Methods and Dealer Laws
Learn 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.
MannyPay Editorial Team
Processing BasicsBuy Now, Pay Later for Merchants: Costs, Providers, and Fit
Buy 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.
MannyPay Editorial Team
IndustriesBuilding a Client's Checkout: Whose Merchant Account Should It Be?
Setting 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.
MannyPay Editorial Team
IndustriesBox Office and Gate Card Readers: Fast Entry Without Wi-Fi
Choose 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.
MannyPay Editorial Team
IndustriesBest Business Credit Cards for Dropshipping Cash Flow
Find the best credit card for dropshipping: compare limits, float days, FX fees and rewards so ad and supplier bills don't outrun your payouts.
MannyPay Editorial Team
IndustriesBelt Testing Fees: How Martial Arts Schools Collect Them Smoothly
Learn how to collect a martial arts belt testing fee separately, online or bundled into tuition, plus refund and no-show rules that prevent disputes.
MannyPay Editorial Team
IndustriesAVS and CVV Settings: Which Mismatches Your Store Should Decline
Set AVS mismatch settings and CVV rules that block card fraud without rejecting good customers. Learn what each code means and which to decline.
MannyPay Editorial Team
Business GrowthAverage Checkout Conversion Rate: Benchmarks and How to Beat Them
Learn what the average checkout conversion rate really measures, how to track each funnel step, and where payment-step losses hide in your online store.
MannyPay Editorial Team
IndustriesAutomatic Digital Delivery: Sending Files and Keys After Payment
Set up automatic digital delivery after payment with webhooks, expiring links and license keys, and keep delivery logs that help you fight chargebacks.
MannyPay Editorial Team
IndustriesAlcohol Delivery Payments: ID at the Door and Fewer Disputes
Alcohol delivery ID verification, refused handoffs and "not received" chargebacks: a practical payment workflow that protects your license and revenue.
MannyPay Editorial Team
Industries3D Secure for Online Stores: Liability Shift Without Lost Sales
Learn 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.
MannyPay Editorial Team
Industries24-Hour Gym Access Control: Locking Out Members Who Don't Pay
Connect your 24 hour gym access control system to billing so failed dues suspend entry automatically while reducing wrongful lockouts and chargeback risk.
MannyPay Editorial Team
IndustriesWhy Your Processor Blocked a $25,000 Engagement Ring Sale
Hit 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.
MannyPay Editorial Team
IndustriesWhy Smoke Shops Get Terminated: Vapes, CBD, Kratom, and Glass
Smoke shop merchant account terminated? Learn which products trigger reviews, the warning signs, and how to disclose your mix to keep processing.
MannyPay Editorial Team
IndustriesWhy Online Card Fees Cost More: Card-Not-Present Rates Explained
Learn 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.
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
High-RiskWhy Is My Processor Holding My Funds? Causes, Documents and Fixes
Processor holding funds? Learn why holds happen, which documents speed a release, and how to escalate without risking your merchant account.
MannyPay Editorial Team
IndustriesFamily Paying for Home Care: How Agencies Should Set up Payers
Handle family paying for home care with clean payer records, signed authorizations, sibling bill splits, remote payment links and privacy-safe invoices.
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
IndustriesWellhub vs. ClassPass for Gyms: Payout Rates and True Cost
Wellhub vs ClassPass for gyms: how per-visit payouts compare with your drop-in and membership rates, and how to protect full-price members.
MannyPay Editorial Team
IndustriesWebsite Maintenance Plan Billing: How to Automate Monthly Retainers
Set 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.
MannyPay Editorial Team
IndustriesWeb Design Deposit and Milestone Payment Terms That Get You Paid
Set 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.
MannyPay Editorial Team
IndustriesWeb Design Chargebacks: Winning Disputes After a Site Launches
Facing 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.
MannyPay Editorial Team
IndustriesWeb Design Agency Card Fees: What You Should Pay and Why
Understand web design credit card processing fees on project invoices and care plans, from MCCs to business cards, and spot an overpriced quote.
MannyPay Editorial Team
NewsVisa'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
NewsVisa's New Embedded Payment Charge: October 2026 Fee Changes
The Visa acquirer embedded payment charge starts October 23, 2026. Learn who it affects, other fall network changes and what to check on your statement.
MannyPay Editorial Team
NewsVisa 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
IndustriesVisa and Mastercard Retry Limits: Avoid Excessive Reattempt Fees
Learn how to avoid excessive retry fees: Visa and Mastercard reattempt rules, decline codes and a recurring billing retry schedule that recovers revenue.
MannyPay Editorial Team
IndustriesUsed Car Dealer Merchant Accounts: Getting Approved and Staying Live
Learn what underwriters check on a used car dealer merchant account, which documents to prepare, and how to set limits that lower your reserve risk.
MannyPay Editorial Team
IndustriesTobacco Shop Credit Card Processing Fees: What to Pay on Thin Margins
Learn how tobacco shop credit card processing fees eat into cigarette margins, how your MCC affects pricing, and how to find a fair effective rate.
MannyPay Editorial Team
IndustriesTobacco Merchant Accounts: Why Processors Decline Shops and How to Win
Learn 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.
MannyPay Editorial Team
IndustriesTicket Resale Laws by State: Transfers, Price Caps and Your Checkout
Ticket 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.
MannyPay Editorial Team
NewsSwipe 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
IndustriesSubscription Billing Costs: Stripe Billing vs. Recurly vs. Chargebee
A subscription billing software comparison that separates platform fees from processing costs so you can model Stripe Billing, Recurly and Chargebee.
MannyPay Editorial Team
IndustriesStripe or PayPal Froze Your Funds: How to Get Your Money Back
Stripe account frozen or PayPal holding your money? Learn why aggregators hold funds, which documents speed a release and how to keep your store selling.
MannyPay Editorial Team
IndustriesStripe Holding a Big Web Design Payment? Why and How to Release It
Stripe holding a large payment from a client? Learn why agency invoices trigger reviews and which documents help get your web design funds released faster.
MannyPay Editorial Team
High-RiskStripe Closed My Account: Why It Happens and What to Do Next
Stripe closed my account: what now? Learn why aggregators shut accounts, what happens to held funds and how to move to a dedicated merchant account.
MannyPay Editorial Team
IndustriesStopping Off-Platform Payments: Keep Buyers Paying Through You
Marketplace off-platform payments drain revenue and trust. Learn which payment features, fee structures and policies keep buyers paying through you.
MannyPay Editorial Team
IndustriesStolen Cards Buying License Keys: Stop Digital Goods Fraud
Digital goods fraud prevention for software and game sellers: velocity rules, delivery holds, key revocation and grey-market checks that help reduce losses.
MannyPay Editorial Team
IndustriesStolen Cards Buying Cartons: Stopping Tobacco Shop Card Fraud
Learn how tobacco shop credit card fraud works, which terminal settings and ID checks stop stolen-card carton buys, and what evidence wins chargebacks.
MannyPay Editorial Team
IndustriesStolen Card Orders in Dropshipping: Stop Auto-Fulfilling Fraud
Dropshipping fraud prevention guide: add a fraud hold between checkout and supplier auto-fulfillment so stolen-card orders never ship.
MannyPay Editorial Team
IndustriesSplitting an Engagement Ring Across Multiple Cards: How to Do It Right
Learn 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.
MannyPay Editorial Team
IndustriesSelling Zyn and Nicotine Pouches: Processor, Age and Tax Rules
Selling nicotine pouches like Zyn? Learn how processors, the FDA and states classify pouches, plus age checks, taxes and online limits to stay compliant.
MannyPay Editorial Team
IndustriesSelling Cigarettes Online: The PACT Act and Card Payment Limits
Planning PACT Act online tobacco sales? Learn the registration, tax, age-check, delivery and payment questions to settle before you launch a store.
MannyPay Editorial Team
IndustriesSelling Alcohol Online: Payment Processing and Age Checks at Checkout
A guide to selling alcohol online: payment processing approval, age verification at checkout, and the state laws that shape what you can ship.
MannyPay Editorial Team
IndustriesSeller KYC for Marketplaces: Verifying Vendors Before Payouts
Learn what marketplace seller verification requires: KYC and KYB data, OFAC screening, payout thresholds and how to verify vendors without losing signups.
MannyPay Editorial Team
IndustriesRolling Reserves for Dropshipping Stores: Why and How to Lower Them
Rolling reserve dropshipping basics: how processors size your hold, why delivery times matter, and the metrics that get underwriters to lower it.
MannyPay Editorial Team
ProductsHow 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
IndustriesRenewal Reminder Emails: What the Law and Card Networks Require
Learn subscription renewal reminder requirements under state laws and Visa and Mastercard trial rules, plus template language and send logs that hold up.
MannyPay Editorial Team
IndustriesRefunds After the Seller Was Paid: Fixing Negative Balances
Learn how to fix a marketplace negative seller balance after post-payout refunds: offsets, debits, reserves, contract terms and write-offs.
MannyPay Editorial Team
IndustriesRaising Subscription Prices: Notice Rules and Billing Steps
Plan a subscription price increase notice that meets auto-renewal rules, rolls through billing cleanly and keeps 'I didn't agree' chargebacks down.
MannyPay Editorial Team
IndustriesPayPal Hold on Dropshipping Funds? How to Get Your Money Released
Facing 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.
MannyPay Editorial Team
IndustriesPayment Gateway vs. Merchant Account: What Your Online Store Needs
Payment gateway vs merchant account, explained: what each does, when an aggregator like Stripe fits, and when a dedicated account pays off.
MannyPay Editorial Team
IndustriesPatreon vs. Memberful vs. Ghost: True Cost of Membership Fees
Patreon 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.
MannyPay Editorial Team
IndustriesPassing Card Fees to Clients on Large Web Design Invoices
Passing credit card fees to clients on agency invoices? Learn surcharge rules, state limits, ACH incentives and sample wording to review with your attorney.
MannyPay Editorial Team
IndustriesOnline Course Payment Plans: Installments Without Defaults
Set up an online course payment plan students actually finish, with smart pricing, clear checkout terms, retries, access locks and chargeback defense.
MannyPay Editorial Team
NewsOne 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
IndustriesMarketplace Split Payments: How to Divide One Checkout Among Many Sellers
Split payments marketplace guide: choose a charge model, set commission splits, allocate shipping and handle partial refunds, disputes and reconciliation.
MannyPay Editorial Team
Processing BasicsMulti-Currency Pricing: Show Local Prices Without Losing Margin
Learn how multi-currency pricing works, how to show local prices online, and how to protect margin from FX markups, rate swings and refunds.
MannyPay Editorial Team
IndustriesMoving Deposits: How Much You Can Collect and FMCSA Rules
Learn 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.
MannyPay Editorial Team
IndustriesMoving Company Credit Card Processing Fees: MCC 4214 and Big-Ticket Rates
Understand moving company credit card processing fees: MCC 4214, local and interstate fee math, keyed deposit costs and how to lower your effective rate.
MannyPay Editorial Team
Business GrowthMerchant Underwriting Checklist: Documents to Have Ready
Learn the merchant account underwriting requirements for medium-risk businesses and which documents to prepare so your file doesn't stall in review.
MannyPay Editorial Team
IndustriesMerchant of Record vs. Payment Processor for Software Sellers
Merchant of record vs payment processor: compare all-in fees, global tax liability, chargebacks and switching effort to choose the right model.
MannyPay Editorial Team
IndustriesMerchant Accounts for Subscription Businesses: Getting Approved
Learn how to get a merchant account for subscription business models: what underwriters check, trial red flags, reserves and documents that speed approval.
MannyPay Editorial Team
IndustriesDigital Products Merchant Account: Why You're Flagged and What to Fix
Need a digital products merchant account? Learn why underwriters flag courses, coaching and software, and the disclosures that help you get approved.
MannyPay Editorial Team
IndustriesMenthol and Flavored Tobacco Bans by State: Locking SKUs in Your POS
Learn 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.
MannyPay Editorial Team
Business GrowthMedium Risk Merchant Accounts: Why Your Business Lands in the Middle Tier
Assigned a medium risk merchant account? Learn why underwriters put you there, what reserves and limits mean, and which risk factors you can change.
MannyPay Editorial Team
IndustriesMedical Staffing Invoicing: Getting Facilities to Pay Faster
Medical staffing agency invoicing guide: how to bill facilities per shift, move them to ACH or virtual cards, and shorten slow payment cycles.
MannyPay Editorial Team
IndustriesMCC 5921: How Your Liquor Store's Category Code Affects What You Pay
Learn 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.
MannyPay Editorial Team
NewsMastercard's Global Money Platform: Stablecoins Reach Your Processor
The Mastercard Global Money Platform brings stablecoin settlement and payouts closer to your processor. Learn what changed and what to ask before opting in.
MannyPay Editorial Team
IndustriesMartial Arts School Billing Software: Kicksite vs. Spark vs. Zen Planner
Compare martial arts billing software on what hits cash flow: processing markups, family tuition, testing fees, and whether you can use your own processor.
MannyPay Editorial Team
IndustriesMarketplace Facilitator Laws: When You Collect Sellers' Sales Tax
Learn how marketplace facilitator sales tax laws shift collection to your platform and what it means for checkout, seller payouts, exemptions and audits.
MannyPay Editorial Team
IndustriesMarketplace Chargebacks: Who Pays, the Platform or the Seller?
Learn how marketplace chargeback liability flows from processor to platform to seller, and how to recover losses when a seller is paid out or gone.
MannyPay Editorial Team
IndustriesLiquor Store Merchant Accounts: Why You Get Flagged and How to Get Approved
Learn what it takes to get a liquor store merchant account: why processors rate stores medium risk, what underwriters want, and how to avoid freezes.
MannyPay Editorial Team
IndustriesLiquor Store ID Scanners: Choosing One That Works With Your POS
Compare standalone and POS-integrated liquor store ID scanner options to block underage sales at the register and keep scan logs ready as evidence.
MannyPay Editorial Team
IndustriesLiquor Store Credit Card Processing Fees: What You Should Really Pay
Benchmark your liquor store credit card processing fees: calculate your effective rate, isolate the negotiable markup and spot padded statement fees.
MannyPay Editorial Team
IndustriesLiquor Store Credit Card Fraud: Stopping Stolen Cards on Top Shelf
Liquor store credit card fraud drains margins fast. Learn the schemes behind stolen-card bottle buys and the controls that cut chargebacks.
MannyPay Editorial Team
IndustriesLinking iOS Users to Web Checkout: Cut App Store Fees on Digital Sales
Considering an iOS external payment link? Compare app store commission with web checkout costs, conversion loss, chargebacks and tax before you switch.
MannyPay Editorial Team
IndustriesMartial Arts Family Billing: Sibling Discounts, Autopay and Split Tuition
Simplify martial arts family billing with one bill per household, clear sibling discounts, split tuition between parents and private decline handling.
MannyPay Editorial Team
IndustriesKajabi vs. Teachable vs. Thinkific: Payment Fees for Course Creators
Kajabi vs Teachable fees, plus Thinkific: compare platform fees, processing, payouts, and BYO Stripe, then model your true cost at three sales levels.
MannyPay Editorial Team
IndustriesJewelry Store Scams: Switch Fraud, Fake Checks, and Card Tricks
Learn how jewelry store scams work at the counter, from diamond switches to fake cashier's checks and forced keyed entries, plus a staff checklist.
MannyPay Editorial Team
IndustriesJewelry Store Merchant Accounts: Improve Approval Odds and Limit Reserves
Getting a jewelry store merchant account? Learn why underwriters flag jewelers, what to prepare, and how to negotiate or shrink a reserve.
MannyPay Editorial Team
IndustriesJewelry Store Credit Card Processing Fees: What Drives Big-Ticket Costs
Learn how your merchant category code, rewards cards and pricing models drive jewelry store credit card processing fees, and what to negotiate on big sales.
MannyPay Editorial Team
IndustriesJewelry Chargebacks: Winning Engagement Ring and Diamond Disputes
Learn why jewelry store chargebacks happen, from breakup refunds to diamond grading claims, and the evidence that helps you win each dispute.
MannyPay Editorial Team
Industries'Item Not Received' Chargebacks: Evidence That Wins for Online Stores
Fight an item not received chargeback with the right shipping evidence: carrier scans, delivery photos, AVS address matches and signature thresholds.
MannyPay Editorial Team
IndustriesIs Web Design Taxable? Sales Tax on Agency Services by State
Is web design taxable? Learn how custom builds, templates, hosting and maintenance are treated, and how to split invoices so exempt labor stays untaxed.
MannyPay Editorial Team
IndustriesIs SaaS Taxable? Sales Tax on Software Subscriptions by State
Learn how sales tax on SaaS by state works, which classifications make subscriptions taxable, and how to handle bundles, exemptions and billing setup.
MannyPay Editorial Team
IndustriesIs Moving Taxable? Sales Tax on Moves, Boxes and Storage
Is moving service taxable? Learn how labor, interstate transport, boxes, crating and storage are taxed so your invoices collect the right tax.
MannyPay Editorial Team
IndustriesIRS Form 8300 for Car Dealers: Cash, Cashier's Checks, Structuring
A Form 8300 car dealership guide: what counts as cash, how split down payments and BHPH installments add up, and how to handle structuring attempts.
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
IndustriesHow Much Should Ticket Service Fees Be? Pricing to Cover Costs
How much should ticket service fees be? Use our per-ticket fee math for $15, $50 and $150 tickets to cover processing, refunds and chargebacks.
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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
IndustriesHourly Local Moves: Card Holds, Minimums and Final Charges
Get hourly moving company payment right: size card holds against minimum hours and travel time, then capture the real final bill without double charges.
MannyPay Editorial Team
IndustriesHome Care Credit Card Fees on $4,000 Monthly Client Invoices
See 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.
MannyPay Editorial Team
IndustriesHome Care Chargebacks: When Families Dispute Caregiver Hours
Learn how to fight a home care chargeback with EVV logs, signed care plans and smart service agreements, including disputes after a client passes away.
MannyPay Editorial Team
IndustriesHome Care Agency Merchant Accounts: Why Processors Hesitate
Learn why processors hesitate on a home care agency merchant account and how to prepare documents that improve approval odds and limit reserves.
MannyPay Editorial Team
IndustriesHolding Payouts for New Marketplace Sellers: How Long Is Fair?
Set a fair marketplace seller payout delay with tiered holds tied to delivery, seller history and dispute windows to cut fraud without losing good sellers.
MannyPay Editorial Team
IndustriesHigh-Ticket Coaching Merchant Accounts: Why $5K Sales Get Held
Learn why processors hold $5K coaching sales and the records that keep a high-ticket coaching merchant account open and win disputes.
MannyPay Editorial Team
IndustriesGym Presales: Collecting Founding Memberships Before You Open
Run a gym presale founding member campaign without frozen funds or chargebacks: structure deposits, set first billing dates and plan for opening delays.
MannyPay Editorial Team
IndustriesGym Membership Freeze Fees: Billing Holds Without Losing Members
Learn 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.
MannyPay Editorial Team
IndustriesGym Membership Chargebacks: Freeze, Injury, and 'I Moved' Disputes
Learn how to fight a gym membership chargeback over freezes, injuries and relocations, using check-in logs, clear policies and a better signup flow.
MannyPay Editorial Team
IndustriesGym Credit Card Processing Fees: What Fitness and Boxing Gyms Should Pay
Learn 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.
MannyPay Editorial Team
IndustriesGym Contract Laws by State: Health Club Acts and Cancellation Rights
Gym contract laws by state cover cooling-off periods, contract length caps, bonding for prepaid dues and cancellations. Learn how to align your billing.
MannyPay Editorial Team
IndustriesGym Billing Company vs. In-House EFT: Which Keeps More Dues?
Compare 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.
MannyPay Editorial Team
Business GrowthGuest 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
IndustriesTicket Sales Payout Before the Event: Holds, Releases and Advances
Need a ticket sales payout before the event? Learn why processors hold presale funds, how to negotiate partial releases and what ticketing advances cost.
MannyPay Editorial Team
IndustriesFTC Safeguards Rule for Car Dealers: Protecting Payment and Deal Data
Learn what the FTC Safeguards Rule means for your car dealership, from data security planning to breach response, and how to protect deal data.
MannyPay Editorial Team
NewsFTC Junk Fee Rule: Total Price Rules for Tickets and Hotels
The 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.
MannyPay Editorial Team
Fraud & SecurityFriendly Fraud: How to Spot It and Fight Back Without Losing Customers
Learn how to tell friendly fraud from buyer's remorse and billing confusion, gather evidence that wins disputes, and keep the customers worth keeping.
MannyPay Editorial Team
IndustriesFacebook Ad Bills vs. Shopify Payouts: Fixing Dropship Cash Flow
Fix dropshipping cash flow when Meta and TikTok ad bills hit before payouts land. Map the timing gap, float ad spend safely and fund scaling.
MannyPay Editorial Team
IndustriesEventbrite Alternatives: Cutting Ticket Fees With Your Own Checkout
Compare Eventbrite alternatives with lower fees: flat-fee and self-hosted ticketing, per-ticket math, payout timing and who owns buyer data.
MannyPay Editorial Team
IndustriesEtsy Payment Account Reserve: Why It Happens and How to Lift It
Learn 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.
MannyPay Editorial Team
IndustriesEngagement Ring Return Policies: Refunds, Restocking, and Resizing
Write a jewelry store return policy for engagement rings that covers return windows, restocking fees and custom pieces, and holds up in a dispute.
MannyPay Editorial Team
IndustriesEcommerce Credit Card Processing Fees: What Online Stores Should Pay
Learn how ecommerce credit card processing fees work, how to find your effective rate from one statement, and how to spot overpaying.
MannyPay Editorial Team
IndustriesDropshipping Tracking Numbers: Why Disputes Reject Them as Proof
Learn why a dropshipping tracking number from a consolidator often fails as chargeback proof, and how to get last-mile tracking card issuers accept.
MannyPay Editorial Team
IndustriesDropshipping Profit Margin After Payment Fees, Refunds, and FX
Calculate your real dropshipping profit margin with a per-order model that counts payment fees, refunds, chargebacks, currency conversion and reserves.
MannyPay Editorial Team
IndustriesDropshipping Chargebacks: How to Win Disputes on Supplier-Shipped Orders
Learn how to fight dropshipping chargebacks on orders you never touched: supplier evidence, last-mile tracking, listing records and dispute rate control.
MannyPay Editorial Team
IndustriesDoorDash vs. Uber Eats vs. Instacart for Liquor Stores: Real Fees
Comparing DoorDash alcohol delivery for liquor stores with Uber Eats and Instacart: commissions, payouts, failed ID returns and how to protect margin.
MannyPay Editorial Team
IndustriesDoes Stripe Allow Dropshipping? Stripe, PayPal, Shopify Rules
Does Stripe allow dropshipping? See what Stripe, PayPal and Shopify Payments permit and the shipping and refund signals that close accounts.
MannyPay Editorial Team
ComparisonsDebit 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
IndustriesDealer Doc Fee Limits by State: What You Can Charge and Disclose
Check 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.
MannyPay Editorial Team
IndustriesDe Minimis Changes: Tariffs, Duties, and Dropshipping Chargebacks
Learn how de minimis dropshipping changes affect landed cost, and how to price duties at checkout so surprise customs bills don't become chargebacks.
MannyPay Editorial Team
IndustriesDaily Pay for Caregivers and per Diem Nurses: Costs and Setup
Compare 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.
MannyPay Editorial Team
IndustriesCar Dealership Credit Card Down Payment Limit: How Much Should You Allow?
Set a car dealership credit card down payment limit you can defend: weigh processing costs, lender rules on borrowed down payments and chargeback risk.
MannyPay Editorial Team
Processing BasicsCredit Card Authorization Holds: How Long They Last, How to Release Them
Learn how a credit card authorization hold works, how long it lasts, and how incremental auths and reversals prevent customer double-charge complaints.
MannyPay Editorial Team
Processing BasicsContactless 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
IndustriesGym Membership Collections: How to Recover Past-Due Dues Legally
Gym membership collections done right: recover past-due dues with retries, dunning and agencies while staying within debt collection and credit rules.
MannyPay Editorial Team
IndustriesClient Won't Pay? Can You Legally Take Down Their Website?
Client 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.
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
IndustriesCard Testing Attacks: How to Stop Bots From Hitting Your Checkout
Hit 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.
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
IndustriesCard Account Updater: Keep Subscribers Billing When Cards Expire
Learn how a card account updater keeps renewals going when cards expire, what updater fees look like and how to confirm your processor runs it.
MannyPay Editorial Team
Industries'Cancelled Recurring' Chargebacks: How Subscription Sellers Win
Learn what evidence wins a cancelled recurring transaction chargeback, from consent logs to usage data, and which policy gaps make disputes unwinnable.
MannyPay Editorial Team
IndustriesCancelled or Postponed Event? Refund Rules and Chargeback Defense
Facing a cancelled event chargeback? Learn what card networks and consumer law expect, how to write refund policies, and the evidence that wins disputes.
MannyPay Editorial Team
IndustriesCan Jewelry Stores Charge a Credit Card Fee on Diamonds?
Can jewelry stores charge credit card fees on diamonds and engagement rings? Learn surcharge rules, cash discount options, debit limits and dispute risks.
MannyPay Editorial Team
IndustriesCan Gyms Add a Credit Card Fee to Monthly Membership Dues?
Can gyms charge credit card fees on dues? Learn surcharge rules, debit limits, state restrictions and when an ACH discount for members works better.
MannyPay Editorial Team
IndustriesCan Customers Buy Lottery Tickets With a Credit Card at Your Store?
Can 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.
MannyPay Editorial Team
IndustriesBuy Here Pay Here Payments: Autopay, Text-to-Pay, and Late Fees
Buy 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.
MannyPay Editorial Team
IndustriesBoxing Gym Merchant Accounts: Why You're Flagged and How to Get Approved
Getting flagged on a boxing gym merchant account? Learn what underwriters check, which documents to submit, and how to negotiate reserves and volume caps.
MannyPay Editorial Team
IndustriesBest POS for Smoke Shops: Cartons, Packs, and Age-Locked SKUs
Find 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.
MannyPay Editorial Team
IndustriesBest POS for Jewelry Stores: Repairs, Memo, and Serialized Stock
Find the best POS system for jewelry store operations with a checklist covering serialized stock, repair tickets, memo goods, gold buys and appraisals.
MannyPay Editorial Team
IndustriesBest Liquor Store POS Systems: Features That Actually Matter
Choosing the best liquor store POS system? Use this checklist for case pricing, price books, deposits, age prompts and integrated payments.
MannyPay Editorial Team
IndustriesBest Credit Card Readers for Movers: Getting Paid by the Crew
How to choose a credit card reader for moving company crews: LTE vs. phone readers, no-signal payments, crew permissions and signed delivery paperwork.
MannyPay Editorial Team
IndustriesAutomatic Renewal Laws by State: A Compliance Map for Subscriptions
Learn how automatic renewal laws by state affect checkout disclosures, consent, reminders and cancellation, and build one compliant subscription flow.
MannyPay Editorial Team
IndustriesAre Gym Memberships Taxable? Sales Tax on Fitness by State
Are gym memberships taxable? Learn how states treat memberships, training, classes, and fees, and how to set up billing so every line is taxed correctly.
MannyPay Editorial Team
IndustriesAmazon Account Level Reserve: Why Your Disbursement Shrank
Learn 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.
MannyPay Editorial Team
NewsAhold 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
IndustriesACH vs. Credit Card for Gym Dues: Which Costs You Less?
Compare ACH vs. credit card for gym memberships: fees, returns, declines and disputes on monthly dues, plus how to steer members toward cheaper billing.
MannyPay Editorial Team
Industries1099-K for Marketplace Operators: Who Files for Your Sellers?
A 1099-K marketplace operator guide: who files for your sellers, how thresholds work, and how to collect W-9s and TINs without slowing seller onboarding.
MannyPay Editorial Team
High-RiskWhat Is a Rolling Reserve? How Merchant Reserves Work and How to Lower Them
Learn how a rolling reserve works, how it compares with upfront and capped reserves, and practical steps high-risk merchants can take to reduce reserves.
MannyPay Editorial Team
IndustriesSubscription Payment Processing: How to Reduce Failed Payments and Churn
Learn how subscription payment processing works, why recurring payments fail, and the tools and policies that recover revenue and prevent chargebacks.
MannyPay Editorial Team
Local Guides · NYNew York Credit Card Surcharge Law: How to Post Prices and Stay Compliant
Learn what the New York credit card surcharge law requires, how to post the total card price, and how dual pricing and cash discounts fit.
MannyPay Editorial Team
IndustriesEcommerce Payment Processing: How to Set up Payments for Your Online Store
Learn how ecommerce payment processing works: gateways, merchant accounts, fraud and chargeback controls, and the right setup for your online store.
MannyPay Editorial Team