Ruby Kirby

Surcharge Processing September 15, 2026 28 min read

Are Credit Card Surcharges Taxable? Sales Tax, Income Reporting, and Your 1099-K

If you have already started adding a card fee, one of the first accounting questions is are credit card surcharges taxable?  There is no single nationwide sales-tax answer. Whether the surcharge belongs...

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Surcharge Processing September 15, 2026 32 min read

Surcharging Invoices and Card-on-File Payments: Disclosure Rules for Service Businesses That Bill Remotely

For a service business researching surcharges on invoices cards not present, the most important change from countertop payments is where disclosure happens.  A business that emails invoices, sends payment links, or charges...

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March 23, 2026 12 min read

How to Implement a Surcharge Program That Stays Compliant and Keeps Customers Happy

Running a business today means accepting credit cards. Customers expect fast, simple, and secure payment options. Credit cards increase sales because consumers are more likely to buy when payment is convenient. But...

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September 11, 2025 8 min read

Can Free Credit Card Processing Improve Cash Flow for Local Businesses?

For many local businesses, the ability to accept card payments is no longer optional but essential. Customers expect the convenience of paying with debit and credit cards, whether they are shopping in...

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September 11, 2025 9 min read

The Hidden Costs and Real Savings Behind Free Payment Processing

The ability to accept card payments is no longer optional for small and medium-sized businesses. Consumers expect the convenience of swiping, tapping, or entering card details for nearly every transaction. Yet for...

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September 11, 2025 8 min read

How Free Credit Card Processing Models Are Changing Small Business Economics

For decades, small businesses have wrestled with the cost of accepting card payments. Merchant fees, interchange rates, and payment processing charges often ate into slim profit margins. While digital payments grew in...

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Payment Processing August 28, 2025 8 min read

Recurring Billing 101: How to Set Up Subscriptions Without Issues

Recurring billing is an easy method of taking payments automatically without frustrating customers. Whether you are a streaming service, SaaS provider, or membership program. With adequate tools and transparent policies, you can...

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Business Security June 28, 2025 10 min read

Understanding Chargebacks: Causes, Costs, and How to Prevent Them

Chargebacks are a major concern for merchants in the fast-paced world of digital commerce and card-based transactions. Chargebacks were first created as a safeguard for consumers, giving them a trustworthy means of...

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Business April 15, 2025 13 min read

What Is Payment Processing? A Simple Guide for Small Business Owners

Learn how payment processing works for small businesses, from card payments to digital wallets. This guide covers providers, costs, security, and future trends—so you can choose the right system and avoid common...

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