Merchant Services / 5 min read
Cash Discount vs. Surcharge: The Register-Level Math Owners Should See First
A clear look at customer messaging, posted prices, state rules and how a few basis points change weekly deposits.
Category: Payments
Chargeback Evidence Is Now an Operations File, Not Just a Processor Upload
Friendly fraud defense depends on receipts, shipping proof, pickup logs, service notes and fast staff routines.
By Eric Kuvykin
Latest Coverage
Category: Payments
Merchant Services / 5 min read
Visa and Mastercard Settlement Claims Are Also a Data Cleanup Project
The class-action conversation is a reminder to preserve processor records, old DBA names and bank statements before deadlines pass.
Merchant Services / 5 min read
Credit Card Processing Fees Need a Monthly Owner Audit
By Eric KuvykinA practical processing-statement review for retailers, restaurants, salons and professional offices that want fewer surprise fees.
Payments / 4 min read
Visa/Mastercard Class Action FAQ for Business Owners: 25 Questions Answered
By Eric KuvykinThe Visa/Mastercard settlement conversation matters because it forces merchants to look backward and forward at the same time. Backward: did the business accept cards during the covered period and leave money unclaimed?...
Payments / 4 min read
Credit Card Processing Fees: What SMB Owners Should Review Now
By Eric KuvykinCredit card fees are one of the few expenses a small business can watch every month and still misunderstand. The posted rate is rarely the full story. A processor statement can include...
Legal / 3 min read
Visa and Mastercard Class Action: What Partial Distribution Means for Merchants Now
By Craig A. Fine, Esq.Bottom line: Card costs do not hit a small business as one clean number. They show up as interchange, assessments, processor markup, chargeback fees, gateway charges, batch fees, PCI fees and statement language that...
FinTech / 3 min read
Swipe-Fee Settlement Changes: The Merchant Rules That Matter Beyond the Headline Number
By Eric KuvykinBottom line: Card costs do not hit a small business as one clean number. They show up as interchange, assessments, processor markup, chargeback fees, gateway charges, batch fees, PCI fees and statement language that...
Payments / 3 min read
Selling a Visa/Mastercard Settlement Claim: Liquidity Now Versus Potential Value Later
By Eric KuvykinBottom line: Card costs do not hit a small business as one clean number. They show up as interchange, assessments, processor markup, chargeback fees, gateway charges, batch fees, PCI fees and statement language that...
FinTech / 3 min read
Fintech Consolidation Is Coming: What SMBs Should Ask Before Their Provider Gets Acquired
By Craig A. Fine, Esq.Bottom line: Banking risk is quiet until the day a deposit is delayed, a reserve appears, a login is locked or a lender asks for documents the owner cannot find. Then it becomes payroll,...
AI / 3 min read
AI in Payments: The Best Use Cases Are the Ones That Prevent Work Before It Exists
By Eric KuvykinBottom line: Banking risk is quiet until the day a deposit is delayed, a reserve appears, a login is locked or a lender asks for documents the owner cannot find. Then it becomes payroll,...
Legal / 3 min read
Visa and Mastercard Settlement: Merchants Should Preserve Their Claim Files After Partial Distribution
By Craig A. Fine, Esq.Bottom line: Card costs do not hit a small business as one clean number. They show up as interchange, assessments, processor markup, chargeback fees, gateway charges, batch fees, PCI fees and statement language that...
Finance / 3 min read
SMB M&A: The Payments Statement Can Reveal More Than Buyers Expect
By Eric KuvykinBottom line: Card costs do not hit a small business as one clean number. They show up as interchange, assessments, processor markup, chargeback fees, gateway charges, batch fees, PCI fees and statement language that...
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