<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <url><loc>https://www.mannypay.io/beyond-the-swipe/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/browse/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industry-news/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/payment-processing/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/rates-and-fees/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/high-risk-processing/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/chargebacks-fraud-security/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/locations/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/mannypay-solutions/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/comparisons/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/filipino-entrepreneurs/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/glossary/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/restaurants/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/food-trucks/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/hotels/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/liquor-stores/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/grocery/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/retail/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/apparel/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/furniture/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/jewelry/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/tobacco/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/ecommerce/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/low-risk-ecommerce/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/shopify-stores/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/woocommerce-stores/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/subscriptions/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/digital-products/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/dropshipping/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/marketplaces/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/telehealth/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/web-design/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/medical/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/home-healthcare/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/health-beauty/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/salons-spas/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/veterinary/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/nutraceuticals/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/peptides/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/boxing-fitness/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/gyms-martial-arts/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/events-ticketing/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/adult/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/professional-services/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/plumbing/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/contractors/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/moving/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/auto-repair/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/car-dealerships/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/travel/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/jet-charter/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/cannabis/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/cbd/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/vape/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/kratom/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/7oh/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/firearms/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/filipino-american-businesses/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/nonprofits/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/education/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/b2b-wholesale/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/locations/california/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/locations/hawaii/</loc><lastmod>2026-10-19</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/locations/washington/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/locations/new-york/</loc><lastmod>2026-10-19</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/locations/illinois/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/locations/florida/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/risk/low/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/risk/medium/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/risk/high/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/locations/hawaii/honolulu/</loc><lastmod>2026-10-19</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/locations/washington/seattle/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/locations/illinois/chicago/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/woocommerce-stores/woocommerce-deposits-and-partial-payments-setup-and-risks/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/jet-charter/wire-vs-card-vs-crypto-for-private-jet-charter-payments/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/jewelry/wire-vs-ach-vs-card-for-big-diamond-purchases/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/7oh/when-a-7-oh-ban-hits-refunds-open-orders-and-pulled-stock/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/glossary/what-is-chargeback-representment-how-to-fight-disputes/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/glossary/what-is-a-card-not-present-transaction-risks-and-rates/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/glossary/what-are-chargeback-reason-codes-how-to-read-them/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/web-design/web-design-change-orders-billing-scope-creep-without-losing-clients/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/locations/washington/seattle/washington-s-new-sales-tax-on-services-a-seattle-billing-guide/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/glossary/void-vs-refund-what-s-the-difference-and-which-costs-less/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industry-news/visa-decline-code-changes-oct-23-25-fix-your-retry-logic-now/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/using-pos-customer-data-to-market-smarter-on-a-small-budget/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/digital-products/usage-based-billing-for-saas-metering-invoices-and-card-limits/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/veterinary/unpaid-vet-bills-lien-laws-collections-and-abandoned-pets/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/travel/tour-operator-deposits-and-final-payment-due-dates-that-work/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/events-ticketing/ticket-fraud-stopping-stolen-cards-and-bot-buys-on-your-event/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industry-news/thunes-and-coinbase-team-up-faster-cross-border-payouts-ahead/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/nonprofits/text-to-give-for-nonprofits-how-it-works-and-what-it-costs/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/professional-services/tax-preparer-fees-refund-transfers-vs-collecting-payment-upfront/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/woocommerce-stores/taking-phone-orders-in-woocommerce-entering-cards-in-admin/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/retail/taking-credit-cards-over-the-phone-for-retail-orders-safely/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/firearms/taking-cards-at-gun-shows-a-mobile-setup-for-ffl-dealers/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/subscriptions/switching-processors-without-losing-subscribers-saved-cards/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/comparisons/surcharging-vs-cash-discount-vs-dual-pricing-which-is-legal/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/low-risk-ecommerce/surcharging-online-orders-card-fee-rules-at-ecommerce-checkout/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/marketplaces/stripe-connect-fees-standard-vs-express-vs-custom-true-cost/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/adult/strip-club-pos-systems-door-covers-vip-rooms-and-house-fees/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/apparel/store-credit-expiration-laws-can-your-boutique-s-credit-expire/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/retail/store-charge-accounts-billing-contractors-and-business-customers/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/moving/storage-in-transit-and-monthly-storage-billing-for-movers/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/low-risk-ecommerce/squarespace-payment-fees-stripe-vs-paypal-vs-squarespace-payments/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/woocommerce-stores/square-for-woocommerce-syncing-online-and-in-store-sales-right/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/retail/special-order-deposits-how-retailers-collect-payment-upfront/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/grocery/snap-trafficking-charges-how-grocers-lose-ebt-and-how-to-avoid-it/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/sms-marketing-rules-text-customers-without-tcpa-trouble/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/shopify-stores/shopify-pos-fees-in-person-card-rates-and-pos-pro-costs/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/shopify-payments-vs-a-third-party-gateway-the-real-cost-math/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/high-risk-processing/shopify-payments-suspended-why-it-happens-and-your-next-steps/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/shopify-stores/shopify-currency-conversion-fees-selling-in-multiple-currencies/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/ecommerce/selling-to-international-customers-cross-border-card-fees/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/filipino-american-businesses/selling-philippine-load-and-eload-at-your-store-setup-and-fees/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/selling-on-amazon-vs-your-own-website-the-real-fee-math/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/jewelry/selling-gold-bullion-and-coins-on-credit-cards-rules-and-margins/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/cannabis/selling-delta-8-and-thca-online-payment-processing-options/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/firearms/selling-ammo-online-age-checks-and-state-shipping-limits/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/restaurants/self-order-kiosks-for-restaurants-costs-roi-and-setup/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/locations/washington/seattle/seattle-sales-tax-for-online-and-delivery-orders-destination-rules/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/events-ticketing/season-ticket-billing-payment-plans-for-teams-and-theaters/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/comparisons/rtp-vs-fednow-vs-ach-which-instant-payment-rail-fits/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/contractors/retainage-in-construction-how-contractors-get-the-last-10-paid/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/retail-store-opening-and-closing-checklist-free-template/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/restaurant-opening-and-closing-checklist-for-foh-and-boh/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/events-ticketing/refunding-unspent-cashless-wristband-balances-after-a-festival/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/refund-policy-requirements-payment-processors-expect/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/gyms-martial-arts/raising-gym-membership-prices-notice-billing-and-grandfathering/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/restaurants/qr-code-ordering-and-payment-a-setup-guide-for-restaurants/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/plumbing/plumbing-contractor-deposit-laws-how-much-can-you-collect-upfront/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/medical/plastic-surgery-deposits-refund-policies-that-beat-chargebacks/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/grocery/pin-debit-routing-for-grocers-cut-fees-on-every-debit-swipe/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/telehealth/per-visit-membership-or-bundled-meds-pricing-telehealth-care/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/payment-processing-for-event-ticketing-avoiding-payout-delays/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/payment-processing/payment-gateway-vs-payment-processor-who-does-what/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/adult/paying-adult-performers-and-creators-payout-methods-compared/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/mannypay-solutions/pay-at-the-table-handhelds-faster-turns-and-safer-card-handling/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/gyms-martial-arts/paid-in-full-black-belt-programs-why-processors-hold-your-funds/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/tobacco/other-tobacco-products-tax-per-ounce-vs-wholesale-rates-in-your-pos/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/medical/orthodontic-payment-plans-down-payments-and-autopay-done-right/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/filipino-entrepreneurs/online-ordering-for-restaurants-without-high-delivery-app-fees/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/vape/online-age-verification-for-vape-stores-that-passes-review/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/one-page-vs-multi-step-checkout-how-to-pick-for-your-store/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/peptides/on-the-match-list-after-selling-peptides-your-next-steps/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/digital-products/no-refunds-on-digital-products-is-it-legal-and-does-it-work/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/furniture/no-interest-if-paid-in-full-financing-ad-rules-for-furniture/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/moving/moving-broker-payments-deposits-carrier-payouts-and-fmcsa-rules/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/professional-services/monthly-bookkeeping-retainers-setting-up-client-autopay-that-sticks/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/salons-spas/mobile-massage-payments-getting-paid-at-a-client-s-home/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/digital-products/micropayment-fees-selling-0-99-downloads-without-losing-money/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/gyms-martial-arts/mcc-7997-vs-8299-which-code-should-your-gym-or-dojo-use/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/marketplaces/marketplace-take-rates-pricing-commission-to-cover-card-fees/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/marketplaces/marketplace-seller-fraud-fake-shops-triangulation-and-collusion/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/nutraceuticals/male-enhancement-supplements-getting-and-keeping-a-merchant-account/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/home-healthcare/live-in-and-24-hour-care-deposits-collecting-upfront-safely/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/liquor-stores/liquor-store-chargebacks-fighting-my-teen-used-my-card-disputes/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/professional-services/law-firm-chargebacks-when-clients-dispute-fees-after-a-lost-case/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/kratom/kratom-autoship-recurring-billing-without-getting-shut-down/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/kratom/kava-and-kratom-bar-pos-tabs-shells-and-card-readers/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/plumbing/is-plumbing-labor-taxable-sales-tax-on-repairs-and-parts-by-state/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/mannypay-solutions/how-to-store-a-customer-s-card-on-file-safely-and-legally/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/tobacco/how-to-redeem-cigarette-coupons-and-multipack-buydowns-at-the-pos/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/how-to-record-credit-card-processing-fees-in-your-books/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/payment-processing/how-to-receive-international-payments-without-losing-5-to-fees/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/filipino-entrepreneurs/how-to-read-your-credit-card-processing-statement-line-by-line/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/how-to-get-paid-faster-11-invoicing-habits-that-work/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/how-to-get-more-google-reviews-without-breaking-the-rules/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/rates-and-fees/how-to-compare-merchant-processing-quotes-side-by-side/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/payment-processing/how-to-choose-a-payment-processor-10-questions-to-ask-first/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/comparisons/how-to-choose-a-payment-gateway-provider-for-your-business/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/how-to-balance-a-cash-drawer-step-by-step-end-of-shift-count/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/boxing-fitness/how-promoters-pay-fighter-purses-methods-bonds-and-1099s/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/rates-and-fees/high-risk-merchant-account-fees-what-s-normal-vs-gouging/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/cbd/hemp-thc-excise-taxes-by-state-setting-up-your-register-right/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/hotels/group-room-block-deposits-collecting-payment-for-weddings-and-events/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/grocery/grocery-gift-card-fraud-stopping-card-draining-and-tender-scams/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/web-design/getting-paid-by-international-web-design-clients-fees-compared/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/hotels/ftc-junk-fee-rule-for-hotels-displaying-resort-fees-legally/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/form-1099-k-for-merchants-reconcile-it-before-tax-time/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/restaurants/food-truck-payment-processing-mobile-setup-that-works-anywhere/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industry-news/fed-debit-fee-cap-regulation-ii-proposal-and-court-ruling-explained/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/car-dealerships/fake-cashier-s-checks-and-wire-scams-targeting-car-dealers/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/payment-processing/failed-subscription-payments-smart-retries-and-dunning-that-work/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/high-risk-processing/excessive-chargeback-programs-what-happens-if-you-re-enrolled/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/veterinary/equine-vet-billing-barn-accounts-trainers-and-multiple-owners/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/economic-nexus-when-online-sellers-must-collect-sales-tax/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/dropshipping/dsers-vs-autods-vs-cj-how-supplier-order-payments-work/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/dropshipping/do-you-need-an-llc-for-dropshipping-the-payment-setup-answer/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/ecommerce/do-you-get-processing-fees-back-on-online-refunds/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/adult/discreet-billing-descriptors-for-adult-stores-without-chargebacks/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/payment-processing/digital-wallets-for-business-which-ones-to-accept-and-why/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/payment-processing/cross-border-fee-vs-foreign-transaction-fee-who-pays-what/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/credit-card-surcharge-rules-what-s-legal-and-how-to-comply/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/moving/corporate-relocation-billing-getting-paid-by-rmcs-and-employers/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/telehealth/connecting-payments-to-your-telehealth-platform-or-ehr/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/home-healthcare/collecting-medicaid-share-of-cost-from-home-care-clients/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/education/coding-bootcamp-financing-isas-loans-and-deferred-tuition-rules/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/locations/illinois/chicago/chicago-amusement-tax-tickets-streaming-and-what-to-charge/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/hotels/charging-guests-for-damage-and-smoking-after-checkout/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/chargeback-ratio-limits-the-numbers-that-put-your-account-at-risk/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/low-risk-ecommerce/chargeback-alerts-using-rdr-and-ethoca-to-stop-disputes-early/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/peptides/certificates-of-analysis-the-peptide-docs-processors-expect/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/contractors/card-vs-ach-vs-check-for-50-000-remodel-payments/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/cannabis/cannabis-delivery-payments-cash-limits-and-driver-safety/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/contractors/can-roofers-waive-the-deductible-state-laws-and-penalties/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/boxing-fitness/can-members-use-hsa-or-fsa-for-gym-memberships-a-gym-owner-s-guide/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/food-trucks/can-food-trucks-accept-ebt-snap-hot-food-rules-explained/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/furniture/can-customers-use-hsa-or-fsa-cards-for-adjustable-beds/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/health-beauty/botox-memberships-billing-monthly-dues-with-banked-units/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/comparisons/bnpl-vs-layaway-which-payment-plan-sells-more-for-your-store/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/jet-charter/billing-catering-de-icing-and-overnights-after-the-flight/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/peptides/billing-8-week-peptide-protocols-without-recurring-disputes/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/vape/best-vape-shop-pos-nicotine-strengths-ml-tax-and-age-checks/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/cbd/best-pos-for-cbd-and-delta-8-shops-age-checks-potency-taxes/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/medical/best-credit-card-terminals-for-medical-and-dental-front-desks/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/auto-repair/auto-repair-financing-offering-pay-over-time-on-big-repairs/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/subscriptions/annual-vs-monthly-subscription-billing-fees-risk-and-cash-flow/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/payment-processing/ach-vs-credit-card-which-should-you-push-customers-toward/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/subscriptions/ach-recurring-billing-for-memberships-nacha-authorization-rules/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/ach-payments-for-small-business-lower-fees-slower-money/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/payment-processing/ach-authorization-requirements-forms-wording-and-proof/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/nutraceuticals/accepting-hsa-and-fsa-cards-for-supplements-what-qualifies/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/auto-repair/accepting-fleet-cards-at-your-shop-wex-voyager-and-fleetcor/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/chargebacks-fraud-security/3-d-secure-2-explained-fewer-fraud-chargebacks-less-friction/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/b2b-wholesale/2-10-net-30-vs-card-fees-pricing-early-payment-for-wholesale/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/filipino-entrepreneurs/zelle-venmo-or-card-reader-how-should-your-shop-get-paid/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/nonprofits/year-end-giving-statements-250-rules-for-monthly-donors/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/woocommerce-stores/woocommerce-credit-card-skimmers-detect-and-stop-checkout-malware/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/furniture/why-processors-put-reserves-on-furniture-stores-and-how-to-avoid-it/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/web-design/why-processors-flag-web-design-agencies-and-how-to-get-approved/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/medical/why-patients-hsa-cards-get-declined-at-your-front-desk/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/rates-and-fees/why-did-my-credit-card-processing-fees-go-up/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/adult/why-customers-cards-get-declined-on-adult-sites-and-how-to-fix-it/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/which-payment-methods-should-your-online-store-accept/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/glossary/what-is-pci-dss-compliance-a-plain-english-merchant-guide/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/payment-processing/what-is-a-payment-gateway-how-online-payments-get-approved/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/glossary/what-is-a-payment-facilitator-payfac-pros-and-cons/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industry-news/visa-s-vamp-explained-new-fraud-and-dispute-thresholds/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/chargebacks-fraud-security/visa-dispute-monitoring-programs-what-triggers-enrollment/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/rates-and-fees/visa-and-mastercard-surcharge-rules-caps-signs-registration/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/travel/viator-vs-getyourguide-vs-direct-what-tour-operators-keep/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/veterinary/veterinary-chargebacks-when-clients-dispute-after-a-bad-outcome/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/digital-products/vat-on-digital-products-a-u-s-seller-s-guide-to-foreign-tax/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/vape/vape-taxes-by-state-per-ml-vs-wholesale-tax-at-the-register/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/high-risk-processing/vape-shop-merchant-accounts-pact-act-age-checks-and-approval/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/auto-repair/tekmetric-vs-shopmonkey-vs-mitchell-1-payment-fees-compared/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/nonprofits/tap-to-donate-kiosks-costs-placement-and-real-giving-results/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/taking-preorders-online-without-triggering-processor-holds/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/nutraceuticals/supplement-subscribe-and-save-shipment-cadence-that-cuts-disputes/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/subscriptions/stored-credentials-and-mit-flags-set-up-card-on-file-billing-right/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/vape/state-vape-registry-laws-selling-only-listed-products/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/firearms/state-gun-and-ammo-excise-taxes-setting-up-your-register/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/events-ticketing/stadium-and-arena-concessions-pos-that-handles-halftime-rushes/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/health-beauty/spa-gift-certificates-expiration-laws-and-price-increase-rules/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/moving/smartmoving-vs-supermove-vs-moveitpro-payment-features-compared/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/mannypay-solutions/shopify-third-party-payment-gateways-when-to-use-one/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/shopify-stores/shopify-manual-payment-capture-authorize-now-charge-later/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/shopify-stores/shopify-b2b-payment-terms-offering-net-30-to-wholesale-buyers/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/payment-processing/sending-money-to-the-philippines-remittance-options-compared/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/b2b-wholesale/selling-to-government-buyers-accepting-gsa-smartpay-cards/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/nutraceuticals/selling-sarms-peptides-or-kratom-why-processors-refuse-you/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/tobacco/selling-premium-cigars-online-payments-age-checks-and-state-laws/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/woocommerce-stores/selling-in-person-with-woocommerce-card-readers-and-pos-options/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/gyms-martial-arts/selling-gym-day-passes-and-drop-ins-online-with-waivers/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/low-risk-ecommerce/selling-digital-gift-cards-on-your-online-store-setup-and-rules/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/travel/seller-of-travel-laws-registration-trust-accounts-and-bonds/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industry-news/same-day-ach-volume-jumps-37-should-you-accept-it/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/salons-spas/salon-chargebacks-when-clients-dispute-a-haircut-or-color-job/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/retail/sales-tax-holidays-setting-up-your-pos-for-tax-free-weekend/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/restaurant-loyalty-program-ideas-that-bring-diners-back-sooner/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/restaurant-labor-cost-percentage-calculate-and-cut-it/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/restaurants/restaurant-chargebacks-fighting-walkouts-and-delivery-disputes/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/web-design/reselling-hosting-to-clients-billing-markups-and-failed-payments/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/cannabis/putting-an-atm-in-your-dispensary-fees-placement-and-rules/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/ecommerce/preorder-payments-charge-now-or-when-the-product-ships/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/home-healthcare/power-of-attorney-payments-who-can-authorize-home-care-billing/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/plumbing/plumbing-maintenance-agreements-setting-up-monthly-member-billing/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/plumbing/plumbing-chargebacks-when-homeowners-say-the-repair-didn-t-work/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/boxing-fitness/personal-training-packages-payment-expiration-and-trainer-payouts/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/peptides/peptide-therapy-clinic-payments-terminals-consults-and-injections/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industry-news/pci-dss-4-0-1-payment-page-script-rules-what-changed-in-2025/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/pci-compliance-for-small-business-which-saq-do-you-need/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/hotels/pci-compliance-for-hotels-stop-taking-card-numbers-by-email/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/liquor-stores/paying-your-beer-and-wine-distributor-cod-eft-and-credit-laws/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/payment-processing/pay-by-bank-how-open-banking-payments-work-for-merchants/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/restaurants/pay-at-the-table-devices-are-they-worth-it-for-your-restaurant/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/telehealth/online-pharmacy-credit-card-fees-rates-reserves-and-mcc-5912/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/kratom/online-kratom-age-verification-tools-that-pass-processor-review/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/home-healthcare/nurse-staffing-factoring-vs-card-and-ach-fixing-cash-flow/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/firearms/nics-denied-or-delayed-refunding-a-gun-buyer-the-right-way/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/net-30-payment-terms-explained-setting-terms-customers-honor/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/salons-spas/nail-salon-payment-processing-fees-cash-tips-and-card-readers/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/education/music-teacher-billing-software-my-music-staff-vs-teacherzone/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/marketplaces/money-transmitter-licenses-for-marketplaces-agent-of-payee-rules/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/veterinary/mobile-and-farm-call-vet-payments-taking-cards-on-the-road/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/merchant-funds-on-hold-why-it-happens-and-how-to-get-paid/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/comparisons/merchant-account-vs-payment-aggregator-which-fits-your-business/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/merchant-account-denied-common-reasons-and-what-to-do-next/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/high-risk-processing/merchant-account-application-denied-common-reasons-and-fixes/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/digital-products/mcc-5815-5818-how-digital-goods-codes-change-your-fees/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/apparel/luxury-resale-merchant-accounts-getting-approved-with-designer-goods/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/payment-processing/local-payment-methods-ideal-pix-and-more-by-country/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/liquor-stores/liquor-quantity-discount-laws-case-deals-your-pos-can-legally-run/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/professional-services/legal-fee-financing-offering-pay-later-plans-without-collections-risk/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/filipino-american-businesses/lechon-preorders-deposits-and-no-show-rules-for-the-holidays/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/b2b-wholesale/large-ticket-interchange-cheaper-rates-on-10-000-b2b-orders/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/rates-and-fees/is-a-cash-discount-program-worth-it-pros-cons-real-costs/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/payment-processing/interchange-plus-vs-flat-rate-vs-tiered-pricing-models-compared/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/payment-processing/interchange-downgrades-why-some-sales-cost-more-and-how-to-fix/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/car-dealerships/integrating-card-payments-with-cdk-reynolds-and-dealertrack-dms/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/low-risk-ecommerce/instant-payouts-for-online-stores-is-faster-cash-worth-the-fee/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/instant-approval-merchant-accounts-what-instant-really-means/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/marketplaces/inform-consumers-act-marketplace-seller-disclosure-checklist/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/medical/in-house-dental-membership-plans-setting-up-monthly-billing/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/payment-processing/how-to-take-credit-card-payments-over-the-phone-safely/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/payment-processing/how-to-improve-authorization-rates-12-fixes-for-false-declines/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/how-to-earn-standard-processing-terms-and-shrink-your-reserve/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/rates-and-fees/how-to-calculate-credit-card-processing-fees-on-any-sale/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/mannypay-solutions/how-to-accept-credit-card-payments-over-the-phone/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/hotels/hotel-self-check-in-kiosks-costs-payments-and-guest-fraud-risks/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/comparisons/high-risk-vs-low-risk-merchant-accounts-explained/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/digital-products/gumroad-vs-lemon-squeezy-vs-payhip-creator-fees-compared/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/gift-cards-for-small-business-how-to-set-up-and-sell-more/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/furniture/furniture-restocking-and-cancellation-fees-that-hold-up/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/high-risk-processing/free-trial-and-subscription-billing-rules-from-visa-and-mastercard/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/food-trucks/food-trucks-at-breweries-handling-revenue-share-and-host-fees/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/locations/florida/florida-credit-card-surcharge-law-is-it-legal-now/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/events-ticketing/festival-ticket-payment-plans-installments-without-default-losses/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/false-declines-why-good-customers-get-rejected-and-how-to-fix-it/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/professional-services/evergreen-retainers-auto-replenishing-client-trust-with-card-on-file/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/marketplaces/escrow-style-payments-holding-funds-until-buyers-confirm-delivery/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/jewelry/engagement-ring-financing-setting-up-a-program-for-your-store/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/nutraceuticals/empty-bottle-money-back-guarantees-refunds-without-abuse/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/employee-scheduling-software-small-business-buyer-s-guide/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/dunning-management-recover-failed-subscription-payments/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/dropshipping/dropshipping-sales-tax-resale-certificates-and-who-collects/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/dropshipping/dropshipping-refund-policy-when-your-supplier-won-t-refund-you/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/education/driving-school-payments-in-car-card-readers-and-lesson-packages/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/contractors/do-contractors-charge-sales-tax-lump-sum-vs-time-and-materials/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industry-news/discover-s-new-card-verification-rule-for-online-sellers-explained/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/medical/dental-missed-appointment-fees-policies-you-can-actually-charge/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/mannypay-solutions/credit-card-terminal-vs-pos-system-which-do-you-need/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/telehealth/controlled-substance-telehealth-processing-for-adhd-and-ketamine-care/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/contractors/contractor-chargebacks-when-homeowners-dispute-a-deposit/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/retail/consignment-store-payments-tracking-sales-and-paying-consignors/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/food-trucks/company-paid-food-truck-lunches-tabs-caps-and-invoicing/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industry-news/checkout-com-moves-into-stores-what-it-means-for-card-present-sales/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/checkout-abandonment-payment-fixes-that-recover-lost-sales/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/jet-charter/charter-broker-or-operator-who-should-charge-the-client/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/chargebacks-fraud-security/chargeback-ratio-how-to-calculate-it-and-what-s-too-high/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/cbd/cbd-subscriptions-and-autoship-billing-without-getting-shut-down/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/tobacco/cash-discount-programs-for-tobacco-shops-legal-setup-and-pitfalls/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/salons-spas/cash-discount-programs-for-salons-legal-setup-and-client-reactions/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/home-healthcare/caregivers-using-client-cards-for-errands-fraud-safe-policies/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/telehealth/card-on-file-for-virtual-visits-copays-self-pay-and-no-show-fees/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/high-risk-processing/cannabis-dispensary-payments-legal-options-that-won-t-get-you-cut-off/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/filipino-entrepreneurs/can-you-get-a-merchant-account-with-an-itin/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/veterinary/can-vets-charge-a-credit-card-fee-surcharging-rules-for-clinics/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/filipino-american-businesses/can-u-s-businesses-accept-gcash-or-maya-from-customers/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/moving/can-moving-companies-charge-a-credit-card-fee-surcharge-rules/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/grocery/can-grocery-stores-surcharge-credit-cards-rules-ebt-and-debit/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/health-beauty/can-clients-use-hsa-or-fsa-for-massage-and-med-spa-services/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/car-dealerships/can-car-dealerships-charge-a-credit-card-fee-surcharge-rules/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/gyms-martial-arts/buying-a-gym-how-to-transfer-member-billing-without-losing-dues/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/comparisons/best-pos-system-for-small-business-a-buyer-s-checklist/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/web-design/best-invoicing-software-for-web-design-agencies-compared/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/high-risk-processing/best-high-risk-merchant-account-providers-how-to-vet-them/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/apparel/alterations-and-tailoring-payments-deposits-and-unclaimed-garments/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/cbd/age-verification-for-delta-8-online-checkout-tools-that-pass-review/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/auto-repair/after-hours-car-pickup-text-to-pay-and-key-drop-box-payments/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/adult/adult-merchant-account-terminated-recovering-funds-and-reapplying/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/filipino-entrepreneurs/adding-remittance-services-to-your-store-what-to-know/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/ecommerce/adding-apple-pay-google-pay-and-paypal-to-your-store-s-checkout/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/comparisons/ach-vs-credit-card-payments-costs-speed-and-risk/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/7oh/accepting-payments-for-7-oh-online-when-cards-say-no/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/7oh/7-oh-vs-kratom-leaf-why-processors-underwrite-them-differently/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/cannabis/280e-and-payment-fees-can-dispensaries-deduct-processing-costs/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/13-week-cash-flow-forecast-build-one-from-your-sales-data/</loc><lastmod>2026-10-22</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/woocommerce-stores/woocommerce-pci-compliance-your-saq-when-you-host-the-store/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/woocommerce-stores/woocommerce-orders-stuck-on-pending-payment-causes-and-fixes/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/liquor-stores/wine-club-billing-for-liquor-stores-recurring-charges-done-right/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/plumbing/why-a-15-000-sewer-line-payment-got-declined-or-held/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/b2b-wholesale/wholesale-merchant-accounts-approval-with-big-tickets-low-count/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/medical/when-can-a-practice-send-a-patient-bill-to-collections/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/home-healthcare/when-a-home-care-client-dies-collecting-the-final-invoice/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/glossary/what-is-emv-chip-cards-and-the-liability-shift-explained/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/comparisons/what-is-a-pos-system-how-it-works-and-what-it-does/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/high-risk-processing/what-is-a-high-risk-merchant-account-how-it-works-and-who-needs-one/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/subscriptions/web-vs-app-store-subscriptions-cutting-the-15-30-fee-legally/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industry-news/visa-direct-adds-stablecoins-faster-payouts-for-sellers-and-vendors/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/chargebacks-fraud-security/visa-chargeback-reason-codes-every-category-explained/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/nutraceuticals/visa-and-mastercard-registration-rules-for-nutra-trial-offers/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/vape/vape-flavor-bans-by-state-locking-banned-skus-in-your-pos/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/travel/vacation-rental-security-deposit-vs-damage-waiver-which-to-use/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/travel/vacation-rental-direct-booking-payments-leaving-airbnb-s-checkout/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/apparel/try-before-you-buy-card-authorizations-for-at-home-clothing-try-on/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/travel/travel-agent-credit-card-authorization-forms-that-hold-up/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/tobacco/tobacco-scan-data-programs-earn-altria-and-rjr-payments-via-your-pos/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/events-ticketing/ticket-chargebacks-after-the-show-using-scan-data-as-proof/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/telehealth/telehealth-refunds-when-the-doctor-denies-the-prescription/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/auto-repair/taking-repair-payments-by-phone-when-someone-else-is-paying/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/jet-charter/surcharging-charter-flights-card-fee-rules-and-the-fet-catch/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/subscriptions/subscription-refund-policy-prorated-partial-or-none/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/subscription-merchant-accounts-getting-approved-for-recurring-billing/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/web-design/stripe-vs-paypal-vs-square-for-web-designers-best-setup/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/low-risk-ecommerce/stripe-radar-rules-for-small-stores-settings-that-stop-fraud/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/nutraceuticals/straight-sale-vs-trial-offers-the-nutra-funnel-processors-prefer/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/health-beauty/splitting-card-tips-between-stylists-colorists-and-assistants/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/marketplaces/should-your-marketplace-become-a-payment-facilitator/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/shopify-stores/shopify-subscriptions-which-payment-gateways-actually-work/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/shopify-stores/shopify-payout-schedule-when-your-sales-hit-your-bank/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/adult/sex-toy-store-merchant-accounts-getting-approved-in-store-and-online/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/boxing-fitness/selling-tickets-for-a-boxing-event-payments-for-fight-promoters/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/7oh/selling-7-oh-tablets-at-a-gas-station-is-your-card-account-at-risk/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/grocery/self-checkout-for-small-grocery-stores-costs-shrink-and-setup/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/veterinary/scratchpay-vs-carecredit-for-vets-fees-and-client-approval/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/education/school-credit-card-fees-mcc-8211-8220-and-8299-explained/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/cannabis/schedule-iii-rescheduling-what-changes-for-dispensary-payments/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/salons-spas/salon-tip-screens-suggested-percentages-pre-tax-tips-and-products/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/furniture/sales-tax-on-furniture-delivery-fees-and-out-of-state-orders/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/filipino-american-businesses/running-a-lumpia-fundraiser-preorders-payments-and-pickup/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/7oh/ringing-7-oh-as-herbal-supplements-the-miscoding-risk/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/retail/retail-credit-card-fraud-spotting-stolen-cards-at-the-register/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/restaurants/restaurant-sales-tax-on-takeout-delivery-fees-and-to-go-orders/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/professional-services/refunding-an-unearned-retainer-card-check-or-trust-transfer/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/car-dealerships/refundable-deposits-to-hold-a-car-policies-laws-and-disputes/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/mannypay-solutions/recurring-billing-software-how-to-choose-the-right-one/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/nonprofits/recording-donation-processing-fees-gross-vs-net-in-your-books/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/restaurants/reconciling-doordash-uber-eats-and-grubhub-payouts-to-your-pos/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/peptides/processor-dropped-your-peptide-store-getting-held-funds-back/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/health-beauty/prepaid-laser-and-facial-packages-refunds-and-chargebacks/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/retail/pop-up-shop-payments-card-readers-for-markets-and-craft-fairs/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/points-punch-cards-or-tiers-picking-the-right-loyalty-model/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/veterinary/pet-insurance-direct-pay-getting-paid-by-trupanion-and-others/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/web-design/pci-compliance-for-web-developers-who-s-liable-for-client-checkouts/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/filipino-entrepreneurs/payment-processing-for-home-care-agencies-a-practical-guide/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/low-risk-ecommerce/pay-by-bank-at-checkout-adding-ach-to-cut-online-card-fees/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/digital-products/patreon-vs-ko-fi-vs-buy-me-a-coffee-what-creators-actually-keep/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/restaurants/opening-a-restaurant-getting-your-merchant-account-approved-fast/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/telehealth/online-pharmacy-fraud-stolen-cards-buying-glp-1s-and-rx-drugs/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/jewelry/online-jewelry-fraud-stopping-stolen-cards-on-diamonds-and-watches/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/furniture/online-furniture-fraud-stopping-big-ticket-orders-with-stolen-cards/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/moving/online-booking-for-movers-instant-quotes-and-card-on-file/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/food-trucks/offline-card-payments-on-a-food-truck-limits-that-prevent-losses/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/rates-and-fees/non-qualified-rates-how-tiered-pricing-downgrades-cost-you/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/ecommerce/new-online-store-no-sales-history-how-to-get-a-merchant-account/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/low-risk-ecommerce/network-tokens-for-online-stores-fewer-declines-on-saved-cards/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/payment-processing/network-tokenization-higher-approvals-and-fewer-failed-renewals/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/moving/moving-company-chargebacks-winning-damage-and-delay-disputes/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/boxing-fitness/mindbody-payment-processing-fees-can-you-use-your-own-processor/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/professional-services/mcc-8111-8931-8742-how-professional-service-codes-set-fees/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/events-ticketing/mcc-7922-how-your-ticketing-category-code-affects-fees-and-risk/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/gyms-martial-arts/martial-arts-tournament-registration-collecting-entry-fees-online/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/marketplaces/marketplace-prohibited-items-policing-listings-for-your-processor/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/adult/launching-a-fan-subscription-platform-payment-setup-for-adult-content/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/kratom/kratom-chargebacks-winning-not-received-and-unknown-charges/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/locations/california/is-credit-card-surcharging-legal-in-california-in-2025/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/payment-processing/international-chargebacks-how-to-win-disputes-from-abroad/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industry-news/intermarch-breach-hits-300k-shoppers-a-notification-checklist/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industry-news/illinois-swipe-fee-law-appeal-what-merchants-should-do-now/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/food-trucks/how-to-speed-up-a-food-truck-line-at-the-payment-window/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/dropshipping/how-to-pay-dropshipping-suppliers-cards-payoneer-wise-or-wire/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/shopify-stores/how-to-hide-or-reorder-payment-methods-at-shopify-checkout/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/hotels/how-to-charge-ota-virtual-cards-from-expedia-and-booking-com/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/education/how-to-bill-tutoring-clients-packages-monthly-plans-or-per-session/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/grocery/how-to-become-a-wic-vendor-and-accept-ewic-payments/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/grocery/how-to-accept-snap-ebt-online-for-grocery-pickup-and-delivery/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/hotels/hotel-third-party-credit-card-authorization-forms-fraud-proof-setup/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/hotels/hotel-credit-card-fraud-spotting-bad-bookings-before-arrival/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/home-healthcare/home-care-software-payments-wellsky-axiscare-alayacare/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/nutraceuticals/health-claims-that-get-supplement-merchant-accounts-shut-down/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industry-news/halloween-swipe-fees-hit-320m-holiday-pricing-moves-for-merchants/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/salons-spas/hair-extension-and-color-correction-deposits-protect-your-product/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/gyms-martial-arts/gym-pro-shop-pos-selling-gloves-gear-and-shakes-at-the-desk/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/firearms/gun-store-merchant-account-terminated-recovering-held-funds/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/food-trucks/food-truck-online-ordering-preorders-when-your-location-changes/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/firearms/firearm-waiting-periods-when-to-charge-and-when-to-refund/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/filipino-american-businesses/filipino-grocery-card-fees-rice-sacks-imports-and-thin-margins/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/jet-charter/federal-excise-tax-on-charter-flights-collecting-fet-right/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/vape/fda-disposable-vape-crackdown-what-it-means-for-your-processor/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/professional-services/engagement-letter-payment-terms-that-prevent-fee-disputes/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/nonprofits/donor-wants-their-gift-back-refunds-and-donation-chargebacks/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/b2b-wholesale/do-business-cards-have-chargeback-rights-b2b-dispute-rules/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/cannabis/dispensary-cash-management-safes-counting-and-armored-pickup/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/medical/dental-chargebacks-when-patients-dispute-crowns-and-implants/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/jewelry/custom-engagement-ring-deposits-payment-terms-that-protect-you/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/apparel/custom-apparel-invoicing-getting-paid-on-team-and-school-orders/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/liquor-stores/credit-card-surcharges-and-cash-discounts-for-liquor-stores/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/credit-card-reconciliation-match-deposits-to-sales-every-month/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/payment-processing/credit-card-decline-codes-what-each-one-means-and-what-to-do/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/comparisons/countertop-vs-wireless-vs-mobile-card-readers/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/contractors/contractor-credit-card-processing-fees-what-remodelers-should-pay/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/contractors/construction-change-orders-getting-paid-for-extra-work/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/medical/collecting-patient-deductibles-before-surgery-without-losing-cases/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/tobacco/cigarette-minimum-price-laws-setting-legal-prices-in-your-pos/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/high-risk-processing/chargeback-ratio-thresholds-how-close-is-too-close/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/changing-your-business-when-to-tell-your-payment-processor/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/adult/ccbill-vs-segpay-vs-epoch-choosing-an-adult-content-biller/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/cbd/cbd-website-claims-that-get-merchant-accounts-shut-down/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/cbd/cbd-certificates-of-analysis-the-lab-docs-processors-demand/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/subscriptions/car-wash-unlimited-memberships-lpr-rfid-and-recurring-billing/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/car-dealerships/car-dealership-chargebacks-down-payment-and-deposit-disputes/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/can-you-deduct-credit-card-fees-from-employee-tips/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/tobacco/can-you-buy-cigarettes-with-ebt-rules-every-tobacco-seller-must-know/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/health-beauty/can-salons-deduct-card-fees-from-stylist-commissions/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/home-healthcare/can-home-care-agencies-add-a-credit-card-surcharge/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/contractors/can-contractors-charge-a-credit-card-fee-on-progress-invoices/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/apparel/buying-used-clothes-from-customers-cash-store-credit-or-payout/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/jewelry/buying-gold-from-the-public-payout-methods-and-dealer-laws/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/retail/buy-online-pick-up-in-store-setting-up-bopis-payments/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/payment-processing/buy-now-pay-later-for-merchants-costs-providers-and-fit/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/business-line-of-credit-vs-term-loan-which-fits-your-need/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/plumbing/burst-pipe-insurance-claims-how-plumbers-get-paid-on-water-damage-jobs/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/web-design/building-a-client-s-checkout-whose-merchant-account-should-it-be/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/events-ticketing/box-office-and-gate-card-readers-fast-entry-without-wi-fi/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/salons-spas/booth-renters-running-cards-on-the-salon-s-terminal-the-risks/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/peptides/best-woocommerce-payment-gateways-for-peptide-stores/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/kratom/best-woocommerce-payment-gateways-for-kratom-stores/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/veterinary/best-credit-card-terminals-for-vet-clinics-and-curbside-checkout/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/dropshipping/best-business-credit-cards-for-dropshipping-cash-flow/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/gyms-martial-arts/belt-testing-fees-how-martial-arts-schools-collect-them-smoothly/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/ecommerce/avs-and-cvv-settings-which-mismatches-your-store-should-decline/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/average-checkout-conversion-rate-benchmarks-and-how-to-beat-them/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/digital-products/automatic-digital-delivery-sending-files-and-keys-after-payment/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/auto-repair/auto-repair-chargebacks-when-customers-say-the-fix-didn-t-work/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/liquor-stores/alcohol-delivery-payments-id-at-the-door-and-fewer-disputes/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/adult/adult-site-trials-and-rebills-card-rules-that-keep-you-live/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/nonprofits/ach-donations-cutting-fees-on-monthly-gifts-with-bank-transfers/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/telehealth/accepting-hsa-and-fsa-cards-for-telehealth-visits-and-prescriptions/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/firearms/80-lowers-and-gun-parts-why-processors-shut-down-sellers/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/ecommerce/3d-secure-for-online-stores-liability-shift-without-lost-sales/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/boxing-fitness/24-hour-gym-access-control-locking-out-members-who-don-t-pay/</loc><lastmod>2026-10-21</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/auto-repair/written-estimate-laws-for-auto-repair-authorization-before-work/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/woocommerce-stores/woopayments-vs-stripe-for-woocommerce-fees-payouts-and-features/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/woocommerce-stores/woopayments-account-under-review-why-payouts-stop-and-what-to-do/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/woocommerce-stores/woocommerce-transaction-fees-what-you-actually-pay-per-sale/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/woocommerce-stores/woocommerce-payment-failed-fixing-declines-at-your-checkout/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/woocommerce-stores/woocommerce-fake-orders-stopping-card-testing-on-your-checkout/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/contractors/why-your-processor-held-funds-on-a-big-remodel-deposit/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/retail/why-your-processor-held-funds-after-a-big-holiday-sales-spike/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/jewelry/why-your-processor-blocked-a-25-000-engagement-ring-sale/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/tobacco/why-smoke-shops-get-terminated-vapes-cbd-kratom-and-glass/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/ecommerce/why-online-card-fees-cost-more-card-not-present-rates-explained/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/rates-and-fees/why-online-and-keyed-transactions-cost-more-to-process/</loc><lastmod>2026-10-23</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/high-risk-processing/why-is-my-processor-holding-my-funds-causes-and-fixes/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/b2b-wholesale/wholesale-distributor-credit-card-fees-what-should-you-pay/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/kratom/where-is-kratom-illegal-blocking-banned-states-at-checkout/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/7oh/where-is-7-oh-banned-blocking-restricted-states-at-checkout/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/cbd/where-can-you-ship-delta-8-blocking-banned-states-at-checkout/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/home-healthcare/when-adult-children-pay-for-mom-s-home-care-payer-setup/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/low-risk-ecommerce/what-processors-check-on-your-website-before-approving-you/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/what-makes-a-business-low-risk-to-payment-processors/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/payment-processing/what-are-merchant-services-a-plain-english-guide-for-owners/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/glossary/what-are-interchange-fees-how-card-swipe-costs-are-set/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/gyms-martial-arts/wellhub-vs-classpass-for-gyms-payout-rates-and-true-cost/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/nutraceuticals/weight-loss-supplements-why-processors-flag-keto-and-fat-burners/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/web-design/website-maintenance-plans-automating-monthly-retainer-billing/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/web-design/web-design-deposits-and-milestone-payments-terms-that-get-you-paid/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/web-design/web-design-chargebacks-winning-disputes-after-a-site-launches/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/web-design/web-design-agency-card-fees-what-you-should-pay-and-why/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/apparel/wardrobing-how-boutiques-stop-wear-it-once-and-return-fraud/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industry-news/visa-s-new-installment-interchange-rates-october-2026-explained/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industry-news/visa-s-new-embedded-payment-charge-october-2026-fee-changes/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industry-news/visa-and-mesh-crypto-spending-what-changes-at-your-checkout/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/subscriptions/visa-and-mastercard-retry-limits-avoid-excessive-reattempt-fees/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/veterinary/vetsource-vs-chewy-vs-your-own-online-pharmacy-what-clinics-keep/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/veterinary/veterinary-wellness-plan-billing-monthly-preventive-care-setup/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/veterinary/veterinary-payment-plans-offering-in-house-financing-safely/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/vape/vape-shop-merchant-accounts-why-you-re-declined-and-how-to-win/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/vape/vape-shop-credit-card-processing-fees-what-you-should-pay/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/health-beauty/vagaro-vs-square-appointments-vs-boulevard-payment-fees/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/car-dealerships/used-car-dealer-merchant-accounts-getting-approved-and-staying-live/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/veterinary/treatment-plan-estimates-getting-signed-approval-and-a-deposit/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/travel/travel-chargebacks-winning-cancelled-trip-and-refund-disputes/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/travel/travel-booking-fraud-stopping-stolen-cards-on-trips-and-tours/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/travel/travel-agency-merchant-accounts-why-you-re-high-risk-and-how-to-win/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/education/trade-school-merchant-accounts-why-prepaid-tuition-gets-held/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/b2b-wholesale/trade-credit-applications-vetting-buyers-before-net-30-terms/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/tobacco/tobacco-shop-credit-card-fees-what-to-pay-on-thin-cigarette-margins/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/tobacco/tobacco-merchant-accounts-why-processors-decline-you-and-how-to-win/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/restaurants/toast-vs-square-for-restaurants-fees-hardware-and-contracts/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/events-ticketing/ticket-resale-laws-by-state-transfers-price-caps-and-your-checkout/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/cbd/the-federal-hemp-thc-ban-what-it-means-for-your-merchant-account/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/kratom/the-7-oh-crackdown-what-it-means-for-your-kratom-processor/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/medical/text-to-pay-for-medical-bills-collect-balances-faster/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/telehealth/telehealth-merchant-accounts-why-you-re-high-risk-and-how-to-get/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/telehealth/telehealth-credit-card-fees-mcc-8011-vs-8099-and-real-costs/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/telehealth/telehealth-chargebacks-winning-disputes-without-exposing-phi/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/professional-services/taxdome-vs-canopy-vs-karbon-client-payment-fees-compared/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industry-news/swipe-fee-settlement-heads-to-final-approval-what-s-at-stake/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/furniture/surcharging-a-5-000-sofa-card-fee-rules-for-furniture-stores/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/nutraceuticals/supplement-store-processing-fees-mcc-5499-vs-5912-vs-5968/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/nutraceuticals/supplement-chargebacks-winning-it-didn-t-work-and-trial-disputes/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/subscriptions/subscription-billing-software-costs-stripe-billing-vs-recurly-vs/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/ecommerce/stripe-or-paypal-froze-your-funds-how-to-get-your-money-back/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/web-design/stripe-holding-a-big-web-design-payment-why-and-how-to-release-it/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/high-risk-processing/stripe-closed-my-account-why-it-happens-and-what-to-do-next/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/adult/strip-club-chargebacks-winning-i-didn-t-authorize-that-disputes/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/marketplaces/stopping-off-platform-payments-keep-buyers-paying-through-you/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/digital-products/stolen-cards-buying-license-keys-stop-digital-goods-fraud/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/tobacco/stolen-cards-buying-cartons-stopping-tobacco-shop-card-fraud/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/dropshipping/stolen-card-orders-in-dropshipping-stop-auto-fulfilling-fraud/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/retail/square-vs-shopify-pos-for-retail-fees-hardware-and-inventory/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/jewelry/splitting-an-engagement-ring-across-multiple-cards-how-to-do-it-right/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/low-risk-ecommerce/split-shipments-capturing-payment-when-orders-ship-in-parts/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/auto-repair/special-order-parts-deposits-protecting-your-shop-from-no-shows/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/salons-spas/spa-and-massage-memberships-setting-up-monthly-billing-that-sticks/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/apparel/sneaker-and-streetwear-drops-stopping-bots-and-fraud-at-checkout/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/grocery/snap-soda-and-candy-restrictions-updating-your-grocery-pos-by-state/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/mannypay-solutions/smart-payment-terminals-vs-traditional-card-machines/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/food-trucks/should-your-food-truck-go-cashless-pros-cons-and-city-bans/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/shopify-stores/shopify-transaction-fees-by-plan-what-you-pay-on-every-order/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/shopify-stores/shopify-protect-which-chargebacks-it-covers-and-which-it-won-t/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/shopify-stores/shopify-pos-card-readers-which-hardware-fits-your-store/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/shopify-stores/shopify-payments-prohibited-businesses-is-your-store-eligible/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/shopify-stores/shopify-payments-payouts-on-hold-why-it-happens-and-how-to-fix-it/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/shopify-stores/shopify-high-risk-orders-fulfill-cancel-or-verify-first/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/shopify-stores/shopify-1099-k-reading-the-form-and-matching-it-to-your-books/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/shopify-stores/shop-pay-installments-vs-afterpay-and-klarna-on-shopify/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/vape/shipping-vapes-under-the-pact-act-atf-usps-and-carrier-bans/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/plumbing/servicetitan-vs-housecall-pro-vs-jobber-payment-fees-compared/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/tobacco/selling-zyn-and-nicotine-pouches-processor-age-and-tax-rules/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/peptides/selling-retatrutide-and-research-glp-1s-why-processors-panic/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/filipino-american-businesses/selling-pancit-bilao-from-home-cottage-food-payment-rules/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/firearms/selling-guns-online-checkout-ffl-transfers-and-payments/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/adult/selling-dance-dollars-on-cards-fees-rules-and-dispute-risk/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/tobacco/selling-cigarettes-online-pact-act-rules-and-card-network-bans/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/cbd/selling-cbd-on-shopify-which-payment-gateways-actually-work/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/food-trucks/selling-at-food-festivals-cashless-wristbands-fees-and-payouts/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/liquor-stores/selling-alcohol-online-payment-processing-and-age-checks-at-checkout/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/marketplaces/seller-kyc-for-marketplaces-verifying-vendors-before-payouts/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/health-beauty/salon-credit-card-processing-fees-what-should-a-salon-pay/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/apparel/sales-tax-on-clothing-by-state-setting-up-exemptions-in-your-pos/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/sales-spike-coming-warn-your-processor-before-funds-get-held/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/contractors/roof-insurance-check-made-out-to-the-mortgage-company-next-steps/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/dropshipping/rolling-reserves-for-dropshipping-stores-why-and-how-to-lower-them/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/retail/retail-returns-refund-to-card-cash-or-store-credit/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/mannypay-solutions/retail-pos-systems-a-buyer-s-guide-for-independent-stores/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/retail/retail-credit-card-processing-fees-what-should-a-shop-pay/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/retail/retail-chargebacks-beating-not-as-described-and-return-disputes/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/restaurants/restaurant-service-charge-vs-tip-tax-labor-and-payment-rules/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/restaurants/restaurant-credit-card-processing-fees-what-s-a-fair-rate/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/b2b-wholesale/resale-certificates-collecting-and-verifying-buyer-tax-exemptions/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/furniture/rent-to-own-furniture-payments-recurring-billing-and-state-laws/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/subscriptions/renewal-reminder-emails-what-the-law-and-card-networks-require/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/marketplaces/refunds-after-the-seller-was-paid-fixing-negative-balances/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/subscriptions/raising-subscription-prices-notice-rules-and-billing-steps/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/nonprofits/pushpay-vs-tithe-ly-vs-subsplash-church-giving-fees-compared/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/education/pto-fundraiser-payments-card-readers-for-fun-runs-and-book-fairs/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/furniture/progressive-vs-acima-vs-snap-lease-to-own-for-furniture-stores/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/cbd/processor-dropped-your-cbd-store-getting-held-funds-back/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/7oh/processor-dropped-you-over-7-oh-getting-your-held-funds-back/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/education/private-school-tuition-payment-plans-10-vs-12-months-and-autopay/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/jet-charter/private-jet-charter-merchant-accounts-how-to-get-approved/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/jet-charter/private-jet-charter-cancellation-fees-tiered-policies-that-hold-up/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/food-trucks/pricing-private-food-truck-events-minimums-deposits-and-payment/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/grocery/pos-scale-integration-selling-produce-and-deli-items-by-weight/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/plumbing/plumbing-credit-card-processing-fees-what-should-you-really-pay/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/plumbing/plumber-service-call-fees-getting-paid-when-customers-decline-work/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/peptides/peptide-website-compliance-pages-that-get-merchant-accounts-closed/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/peptides/peptide-processing-fees-rates-reserves-and-payout-holds/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/peptides/peptide-chargebacks-winning-purity-delivery-and-fraud-disputes/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/retail/pci-compliance-for-retail-stores-counter-phone-and-back-office/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/low-risk-ecommerce/paypal-seller-protection-what-your-store-must-do-to-qualify/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/dropshipping/paypal-holding-your-dropshipping-funds-how-to-get-them-released/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/ecommerce/payment-gateway-vs-merchant-account-what-your-online-store-needs/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/subscriptions/patreon-vs-memberful-vs-ghost-true-cost-of-membership-fees/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/web-design/passing-card-fees-to-clients-on-large-web-design-invoices/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/grocery/online-grocery-payments-charging-for-weighted-items-and-substitutions/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/digital-products/online-course-payment-plans-installments-without-defaults/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industry-news/one-phone-call-one-breach-social-engineering-lessons-for-merchants/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/nutraceuticals/nutraceutical-merchant-accounts-how-to-get-approved-and-stay-live/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/nutraceuticals/nutra-load-balancing-legal-mid-routing-vs-transaction-laundering/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/nonprofits/nonprofit-merchant-accounts-why-giving-tuesday-spikes-trigger-holds/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/nonprofits/nonprofit-credit-card-processing-rates-claiming-charity-discounts/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/b2b-wholesale/netsuite-acumatica-or-quickbooks-adding-card-and-ach-to-your-erp/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/marketplaces/multi-vendor-checkout-splitting-one-payment-across-many-sellers/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/payment-processing/multi-currency-pricing-show-local-prices-without-losing-margin/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/professional-services/msp-billing-automating-per-seat-it-contracts-with-ach-and-card/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/moving/moving-deposits-how-much-you-can-collect-and-fmcsa-rules/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/moving/moving-company-credit-card-fees-mcc-4214-and-big-ticket-rates/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industry-news/more-rewards-breach-is-your-loyalty-program-the-weak-spot/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/nonprofits/monthly-donors-dropping-off-fixing-failed-recurring-gifts/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/auto-repair/mobile-mechanic-payments-getting-paid-in-a-driveway-or-parking-lot/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/merchant-underwriting-checklist-documents-to-have-ready/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/merchant-services-for-small-business-what-you-need-and-what-to-skip/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/digital-products/merchant-of-record-vs-payment-processor-for-software-sellers/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/merchant-cash-advance-how-it-works-and-what-it-really-costs/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/subscriptions/merchant-accounts-for-subscription-businesses-getting-approved/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/digital-products/merchant-accounts-for-digital-products-why-you-re-flagged/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/rates-and-fees/merchant-account-early-termination-fees-how-to-avoid-paying/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/tobacco/menthol-and-flavored-tobacco-bans-by-state-locking-skus-in-your-pos/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/medium-risk-merchant-accounts-why-you-re-in-the-middle-tier/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/home-healthcare/medical-staffing-invoicing-getting-facilities-to-pay-faster/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/medical/medical-practice-credit-card-fees-what-doctors-should-really-pay/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/salons-spas/med-spa-patient-financing-cherry-patientfi-and-carecredit/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/health-beauty/med-spa-merchant-accounts-getting-approved-for-botox-and-filler/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/salons-spas/med-spa-membership-programs-billing-monthly-botox-and-facial-plans/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/health-beauty/med-spa-credit-card-processing-fees-mcc-codes-rates-and-reserves/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/liquor-stores/mcc-5921-how-your-liquor-store-s-category-code-affects-what-you-pay/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/restaurants/mcc-5812-vs-5814-how-your-restaurant-s-category-code-sets-fees/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/travel/mcc-4722-how-the-travel-agency-code-shapes-your-card-fees/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/furniture/mattress-recycling-fees-by-state-setting-up-your-pos-correctly/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industry-news/mastercard-s-global-money-platform-stablecoins-reach-your-processor/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/adult/mastercard-s-adult-content-rules-what-your-site-must-prove/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/boxing-fitness/martial-arts-school-billing-software-kicksite-vs-spark-vs-zen-planner/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/marketplaces/marketplace-facilitator-laws-when-you-collect-sellers-sales-tax/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/marketplaces/marketplace-chargebacks-who-pays-the-platform-or-the-seller/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/liquor-stores/liquor-store-merchant-accounts-why-you-get-flagged-and-how-to-get/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/liquor-stores/liquor-store-id-scanners-choosing-one-that-works-with-your-pos/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/liquor-stores/liquor-store-credit-card-processing-fees-what-you-should-really-pay/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/liquor-stores/liquor-store-credit-card-fraud-stopping-stolen-cards-on-top-shelf/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/digital-products/linking-ios-users-to-web-checkout-cut-app-store-fees-on-digital-sales/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/professional-services/lawpay-vs-clio-payments-vs-headnote-fees-and-trust-accounting/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/kratom/kratom-merchant-accounts-what-underwriters-need-to-approve-you/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/kratom/kratom-merchant-account-terminated-recovering-funds-and-reapplying/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/kratom/kratom-credit-card-processing-fees-rates-reserves-and-mcc/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/kratom/kratom-consumer-protection-act-by-state-rules-for-your-register/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/gyms-martial-arts/kids-martial-arts-tuition-family-billing-and-sibling-discounts/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/digital-products/kajabi-vs-teachable-vs-thinkific-payment-fees-for-course-creators/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/jewelry/jewelry-store-scams-switch-fraud-fake-checks-and-card-tricks/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/jewelry/jewelry-store-merchant-accounts-getting-approved-without-a-reserve/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/jewelry/jewelry-store-credit-card-fees-mcc-5944-and-big-ticket-rates/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/jewelry/jewelry-chargebacks-winning-engagement-ring-and-diamond-disputes/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/jet-charter/jet-charter-credit-card-fees-what-operators-should-pay/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/jet-charter/jet-card-programs-why-processors-hold-prepaid-flight-hours/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/education/jackrabbit-vs-akada-vs-dancestudio-pro-payment-fees-compared/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/health-beauty/iv-therapy-merchant-accounts-why-drip-bars-get-flagged/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/ecommerce/item-not-received-chargebacks-evidence-that-wins-for-online-stores/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/telehealth/is-your-payment-processor-hipaa-compliant-what-telehealth-must-know/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/web-design/is-web-design-taxable-sales-tax-on-agency-services-by-state/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/low-risk-ecommerce/is-shipping-taxable-charging-sales-tax-on-shipping-by-state/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/digital-products/is-saas-taxable-sales-tax-on-software-subscriptions-by-state/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/veterinary/is-pet-medication-taxable-sales-tax-on-vet-services-by-state/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/moving/is-moving-taxable-sales-tax-on-moves-boxes-and-storage/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/car-dealerships/irs-form-8300-for-car-dealers-cash-cashier-s-checks-structuring/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/comparisons/interchange-plus-vs-flat-rate-pricing-which-costs-less/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/interchange-plus-pricing-why-low-risk-merchants-should-ask/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/medical/integrating-payments-with-dentrix-eaglesoft-and-open-dental/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/medical/insurers-paying-you-by-virtual-card-how-to-avoid-the-3-5-fee/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/grocery/instacart-vs-doordash-vs-uber-eats-for-independent-grocers/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industry-news/illinois-interchange-fee-prohibition-act-delay-lawsuit-next-steps/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/filipino-entrepreneurs/how-to-take-deposits-for-lechon-and-catering-orders/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/how-to-start-a-customer-loyalty-program-that-pays-for-itself/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/shopify-stores/how-to-respond-to-a-chargeback-in-shopify-step-by-step/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/cannabis/how-to-open-a-bank-account-for-your-dispensary-and-what-it-costs/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/retail/how-to-offer-layaway-in-your-store-payments-fees-and-rules/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/furniture/how-to-offer-customer-financing-at-your-furniture-store/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/health-beauty/how-to-collect-booth-rent-from-stylists-automatically/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/how-to-choose-a-merchant-service-provider-12-questions-to-ask/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/grocery/how-to-accept-otc-and-healthy-food-benefit-cards-at-your-grocery/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/grocery/how-to-accept-ebt-at-your-grocery-store-snap-approval-to-checkout/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/events-ticketing/how-much-should-ticket-service-fees-be-pricing-to-cover-costs/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/how-long-do-credit-card-deposits-take-batches-weekends-holidays/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/chargebacks-fraud-security/how-chargebacks-work-the-full-dispute-lifecycle-step-by-step/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/moving/hourly-local-moves-card-holds-minimums-and-final-charges/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/hotels/hotel-no-show-charges-card-network-rules-for-guaranteed-bookings/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/hotels/hotel-incidental-holds-how-much-to-authorize-and-when-to-release/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/hotels/hotel-credit-card-processing-fees-lodging-rates-explained/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/hotels/hotel-chargebacks-winning-no-show-fraud-and-didn-t-stay-cases/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/hotels/hotel-booking-engine-payments-taking-direct-bookings-without-otas/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/hotels/hotel-advance-deposits-visa-and-mastercard-rules-for-prepaid-stays/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/filipino-american-businesses/hot-food-counter-in-a-filipino-grocery-sales-tax-and-ebt-rules/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/contractors/homeowner-won-t-pay-mechanic-s-lien-steps-and-deadlines/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/home-healthcare/home-care-credit-card-fees-on-4-000-monthly-client-invoices/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/home-healthcare/home-care-chargebacks-when-families-dispute-caregiver-hours/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/home-healthcare/home-care-agency-merchant-accounts-why-processors-hesitate/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/marketplaces/holding-payouts-for-new-marketplace-sellers-how-long-is-fair/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/digital-products/high-ticket-coaching-merchant-accounts-why-5k-sales-get-held/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/gyms-martial-arts/gym-presales-collecting-founding-memberships-before-you-open/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/boxing-fitness/gym-membership-freeze-fees-billing-holds-without-losing-members/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/boxing-fitness/gym-membership-chargebacks-freeze-injury-and-i-moved-disputes/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/boxing-fitness/gym-credit-card-processing-fees-what-fitness-clubs-should-pay/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/boxing-fitness/gym-contract-laws-by-state-health-club-acts-and-cancellation-rights/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/gyms-martial-arts/gym-billing-company-vs-in-house-eft-which-keeps-more-dues/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/firearms/gun-store-credit-card-processing-fees-what-s-a-fair-rate/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/merchant-education/guest-checkout-vs-forced-accounts-which-converts-better/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/grocery/grocery-sales-tax-by-state-food-prepared-food-and-your-pos/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/contractors/greensky-vs-synchrony-vs-service-finance-for-contractors/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/telehealth/glp-1-weight-loss-subscriptions-billing-through-dose-changes/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/nonprofits/givebutter-vs-donorbox-vs-zeffy-true-cost-of-free-donation-tools/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/events-ticketing/getting-ticket-revenue-before-the-show-payouts-vs-delayed-funding/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/travel/future-delivery-risk-why-processors-hold-funds-on-travel-bookings/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/furniture/furniture-store-credit-card-fees-big-ticket-rates-and-mcc-5712/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/furniture/furniture-chargebacks-winning-late-delivery-and-damage-disputes/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/car-dealerships/ftc-safeguards-rule-for-car-dealers-protecting-payment-and-deal-data/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industry-news/ftc-junk-fee-rule-total-price-rules-for-tickets-and-hotels/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/chargebacks-fraud-security/friendly-fraud-how-to-spot-it-and-fight-back-without-losing-customers/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/salons-spas/fresha-vs-booksy-what-free-salon-software-really-costs-in-fees/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/nonprofits/fraudsters-testing-stolen-cards-on-your-donation-page-stop-it-fast/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/food-trucks/food-truck-sales-tax-collecting-the-right-rate-at-every-stop/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/food-trucks/food-truck-processing-fees-why-small-tickets-cost-you-more/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/food-trucks/food-truck-merchant-accounts-how-new-trucks-get-approved-fast/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/food-trucks/food-truck-credit-card-surcharges-and-cash-discounts-the-rules/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/low-risk-ecommerce/flat-rate-vs-interchange-plus-when-your-store-should-switch/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/professional-services/flat-fees-earned-upon-receipt-which-account-gets-the-card-payment/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/firearms/firearms-merchant-accounts-why-gun-stores-get-declined/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/filipino-american-businesses/filipino-bakery-card-fees-pandesal-small-tickets-and-minimums/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/salons-spas/fica-tip-credit-for-salons-recovering-payroll-tax-on-card-tips/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/firearms/ffl-transfer-fees-how-to-price-collect-and-refund-them/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/nutraceuticals/fda-warning-letter-for-your-supplement-brand-protect-your-processor/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/travel/fareharbor-vs-peek-vs-rezdy-tour-booking-payment-fees-compared/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/low-risk-ecommerce/false-declines-why-good-customers-cards-fail-at-your-checkout/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/apparel/facebook-and-instagram-live-sales-getting-paid-without-the-chaos/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/dropshipping/facebook-ad-bills-vs-shopify-payouts-fixing-dropship-cash-flow/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/events-ticketing/eventbrite-alternatives-cutting-ticket-fees-with-your-own-checkout/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/ecommerce/etsy-payment-account-reserve-why-it-happens-and-how-to-lift-it/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/low-risk-ecommerce/etsy-fees-vs-your-own-website-when-leaving-etsy-pays-off/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/jewelry/engagement-ring-return-policies-refunds-restocking-and-resizing/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/veterinary/emergency-vet-deposits-collecting-payment-before-treatment/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/plumbing/emergency-plumbing-calls-collecting-after-hours-fees-upfront/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/ecommerce/ecommerce-credit-card-processing-fees-what-online-stores-should-pay/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/dropshipping/dropshipping-tracking-numbers-why-disputes-reject-them-as-proof/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/dropshipping/dropshipping-profit-margin-after-payment-fees-refunds-and-fx/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/dropshipping/dropshipping-chargebacks-winning-disputes-on-supplier-shipped-orders/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/liquor-stores/doordash-vs-uber-eats-vs-instacart-for-liquor-stores-real-fees/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/telehealth/does-stripe-allow-telehealth-stripe-paypal-and-square-rules/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/dropshipping/does-stripe-allow-dropshipping-stripe-paypal-shopify-rules/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/vape/does-square-stripe-or-shopify-allow-vape-shops/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/7oh/does-square-stripe-or-shopify-allow-7-oh-what-happens-if-you-try/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/kratom/does-shopify-square-or-stripe-allow-kratom-what-happens-if-you-try/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/peptides/do-research-use-only-labels-protect-your-peptide-processor/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/cannabis/dispensary-bank-account-closed-what-to-do-in-the-first-30-days/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/medical/direct-primary-care-membership-billing-setup-fees-and-churn/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/comparisons/debit-vs-credit-card-processing-fees-what-merchants-pay/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/hotels/debit-card-holds-at-hotel-check-in-policies-that-stop-complaints/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/car-dealerships/dealer-doc-fee-limits-by-state-what-you-can-charge-and-disclose/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/7oh/dea-scheduling-of-7-oh-what-it-means-for-your-card-processing/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/dropshipping/de-minimis-ended-tariffs-duties-and-dropshipping-chargebacks/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/home-healthcare/daily-pay-for-caregivers-and-per-diem-nurses-costs-and-setup/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/auto-repair/customer-won-t-pay-for-repairs-garage-keeper-s-lien-explained/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/b2b-wholesale/customer-short-paid-the-invoice-handling-wholesale-deductions/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/restaurants/credit-card-tip-adjustment-how-it-works-and-where-it-goes-wrong/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/filipino-entrepreneurs/credit-card-processing-for-filipino-restaurants-what-to-look-for/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/car-dealerships/credit-card-down-payments-how-much-should-your-dealership-allow/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/payment-processing/credit-card-authorization-holds-how-long-they-last-and-why/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/professional-services/cpa-credit-card-processing-fees-what-accounting-firms-should-pay/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/education/convenience-fees-on-tuition-visa-mastercard-and-state-rules/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/payment-processing/contactless-payments-for-small-business-nfc-setup-and-costs/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/contractors/construction-draw-schedules-collecting-milestone-payments/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/veterinary/connecting-card-payments-to-avimark-cornerstone-and-ezyvet/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/contractors/conditional-vs-unconditional-lien-waivers-when-to-sign-each/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/telehealth/compounded-glp-1-payments-why-processors-drop-semaglutide-clinics/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/restaurants/commission-free-online-ordering-cut-your-delivery-app-fees/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/furniture/collecting-the-balance-on-furniture-delivery-driver-payment-setup/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/gyms-martial-arts/collecting-past-due-gym-dues-collections-agencies-and-the-law/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/apparel/clothing-store-mcc-codes-how-5611-5621-and-5651-affect-your-rates/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/web-design/client-won-t-pay-can-you-legally-take-down-their-website/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/filipino-entrepreneurs/choosing-a-pos-system-for-your-filipino-bakery/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/hotels/choosing-a-payment-processor-that-integrates-with-your-hotel-pms/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/jet-charter/charter-payment-terms-deposit-full-prepay-or-pay-on-departure/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/jet-charter/charter-chargebacks-weather-maintenance-and-missed-flights/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/jet-charter/charging-a-150-000-charter-on-a-card-limits-and-holds/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/chargebacks-fraud-security/chargeback-rebuttal-letter-template-and-evidence-that-wins/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/cannabis/cbd-merchant-accounts-getting-approved-for-hemp-products/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/cbd/cbd-credit-card-processing-fees-rates-reserves-and-hidden-costs/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/cbd/cbd-chargebacks-winning-didn-t-work-and-unrecognized-charges/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/ecommerce/card-testing-attacks-how-to-stop-bots-from-hitting-your-checkout/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/payment-processing/card-present-vs-card-not-present-fees-fraud-and-rules/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/medical/card-on-file-for-patient-balances-charging-after-insurance-pays/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/subscriptions/card-account-updater-keep-subscribers-billing-when-cards-expire/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/cannabis/canpay-vs-aeropay-vs-hypur-pay-by-bank-apps-for-dispensaries/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/subscriptions/cancelled-recurring-chargebacks-how-subscription-sellers-win/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/events-ticketing/cancelled-or-postponed-event-refund-rules-and-chargeback-defense/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/filipino-american-businesses/can-your-filipino-store-offer-padala-remittance-agent-rules/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/vape/can-you-take-credit-cards-for-online-vape-sales/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/nutraceuticals/can-you-sell-supplements-with-stripe-paypal-or-shopify-payments/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/adult/can-you-sell-adult-toys-with-stripe-paypal-or-shopify-payments/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/restaurants/can-restaurants-deduct-credit-card-fees-from-servers-tips/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/plumbing/can-plumbers-charge-a-credit-card-fee-surcharge-rules-for-invoices/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/jewelry/can-jewelry-stores-charge-a-credit-card-fee-on-diamonds/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/gyms-martial-arts/can-gyms-add-a-credit-card-fee-to-monthly-membership-dues/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/medical/can-doctors-and-dentists-charge-patients-a-credit-card-fee/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/liquor-stores/can-customers-buy-lottery-tickets-with-a-credit-card-at-your-store/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/auto-repair/can-auto-repair-shops-charge-a-credit-card-fee-surcharge-rules/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/locations/california/california-sb-478-and-restaurant-service-charges-explained/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/contractors/california-s-10-down-payment-rule-for-contractors-explained/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/retail/buy-now-pay-later-for-retail-stores-is-it-worth-the-fee/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/car-dealerships/buy-here-pay-here-payments-autopay-text-to-pay-and-late-fees/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/education/brightwheel-vs-procare-vs-kangarootime-tuition-payment-fees/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/apparel/bridal-shop-deposits-payment-policies-that-survive-chargebacks/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/boxing-fitness/boxing-and-mma-gym-merchant-accounts-why-you-re-flagged/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/apparel/boutique-credit-card-fees-what-a-90-average-sale-should-cost/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/low-risk-ecommerce/bigcommerce-payment-gateways-choosing-beyond-the-default-option/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/salons-spas/best-salon-pos-systems-a-buyer-s-checklist-for-salon-owners/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/restaurants/best-restaurant-pos-systems-a-buyer-s-checklist-for-owners/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/retail/best-pos-systems-for-retail-stores-a-small-shop-buyer-s-guide/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/tobacco/best-pos-for-smoke-shops-cartons-packs-and-age-locked-skus/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/jewelry/best-pos-for-jewelry-stores-repairs-memo-and-serialized-stock/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/firearms/best-pos-for-gun-stores-bound-book-4473-and-serial-tracking/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/furniture/best-pos-for-furniture-stores-special-orders-and-delivery/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/filipino-american-businesses/best-pos-for-filipino-grocery-stores-imports-frozen-and-hot-food/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/apparel/best-pos-for-clothing-boutiques-size-color-and-style-matrix-inventory/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/woocommerce-stores/best-payment-gateway-for-woocommerce-a-store-owner-s-checklist/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/vape/best-payment-gateway-for-an-online-vape-store-what-actually-works/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/liquor-stores/best-liquor-store-pos-systems-features-that-actually-matter/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/grocery/best-grocery-store-pos-systems-scales-plus-and-ebt-built-in/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/food-trucks/best-food-truck-pos-systems-what-matters-on-a-moving-kitchen/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/cannabis/best-dispensary-pos-systems-metrc-sync-limits-and-payments/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/plumbing/best-credit-card-readers-for-plumbers-getting-paid-at-the-truck/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/moving/best-credit-card-readers-for-movers-getting-paid-by-the-crew/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/hotels/best-credit-card-machines-for-motels-without-a-full-pms/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/health-beauty/barbershop-card-readers-one-shop-terminal-or-one-per-chair/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/restaurants/bar-tab-preauthorization-how-to-hold-a-card-without-getting-burned/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/7oh/bank-closed-your-account-over-7-oh-business-banking-options/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/filipino-american-businesses/balikbayan-box-delayed-or-lost-handling-chargebacks-and-refunds/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/filipino-american-businesses/balikbayan-box-business-payments-pickups-prepaid-boxes-deposits/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/b2b-wholesale/b2b-customer-payment-portals-let-buyers-pay-invoices-online/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/b2b-wholesale/b2b-credit-card-authorization-forms-for-wholesale-accounts/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/subscriptions/automatic-renewal-laws-by-state-a-compliance-map-for-subscriptions/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/auto-repair/auto-repair-diagnostic-fees-charging-waiving-or-crediting-them/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/auto-repair/auto-repair-credit-card-fees-what-shops-should-really-pay/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/nonprofits/asking-donors-to-cover-processing-fees-does-it-work-and-is-it-legal/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/salons-spas/are-salon-and-spa-services-taxable-a-state-by-state-guide/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/boxing-fitness/are-gym-memberships-taxable-sales-tax-on-fitness-by-state/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/travel/arc-vs-iata-accreditation-how-airline-ticket-payments-settle/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/woocommerce-stores/apple-pay-not-showing-on-woocommerce-fixes-that-actually-work/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/ecommerce/amazon-account-level-reserve-why-your-disbursement-shrank/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industry-news/ahold-delhaize-cyberattack-keep-selling-when-systems-go-dark/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/adult/age-verification-laws-for-adult-sites-state-rules-and-checkout/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/adult/adult-merchant-account-fees-rates-reserves-and-registration/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/woocommerce-stores/adding-a-fee-for-card-payments-in-woocommerce-what-s-legal/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/gyms-martial-arts/ach-vs-credit-card-for-gym-dues-which-costs-you-less/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/vape/ach-and-echeck-for-online-vape-stores-a-backup-when-cards-fail/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/education/accepting-esa-and-school-voucher-funds-classwallet-and-beyond/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/7oh/7-oh-merchant-accounts-how-to-get-approved-selling-7-oh-products/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/7oh/7-oh-credit-card-processing-fees-rates-reserves-and-holds/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/marketplaces/1099-k-for-marketplace-operators-who-files-for-your-sellers/</loc><lastmod>2026-10-20</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/mannypay-solutions/what-is-a-virtual-terminal/</loc><lastmod>2026-10-19</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/high-risk-processing/what-is-a-rolling-reserve/</loc><lastmod>2026-10-19</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/subscriptions/subscription-payment-processing-guide/</loc><lastmod>2026-10-19</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/restaurants/restaurant-payment-processing-guide/</loc><lastmod>2026-10-19</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/locations/new-york/new-york-credit-card-surcharge-law/</loc><lastmod>2026-10-19</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/rates-and-fees/interchange-plus-vs-flat-rate-vs-tiered-pricing/</loc><lastmod>2026-10-19</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/payment-processing/how-credit-card-processing-works/</loc><lastmod>2026-10-19</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/locations/hawaii/honolulu/general-excise-tax-at-checkout/</loc><lastmod>2026-10-19</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/industries/ecommerce/ecommerce-payment-processing-guide/</loc><lastmod>2026-10-19</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/rates-and-fees/cash-discount-vs-dual-pricing-vs-surcharging/</loc><lastmod>2026-10-19</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/filipino-entrepreneurs/card-payments-guide-for-filipino-american-businesses/</loc><lastmod>2026-10-19</lastmod></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/authors/adrian-reyes/</loc></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/authors/isabella-cruz/</loc></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/authors/marcus-bennett/</loc></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/authors/sofia-mendoza/</loc></url>
  <url><loc>https://www.mannypay.io/beyond-the-swipe/authors/daniel-foster/</loc></url>
</urlset>
