Card Not Present, CenPOS, credit card processing

Fall 2026 Update: Interchange Qualification Matrix

Christine Speedy — Tue, 20 Oct 2026 16:42:12 +0000

Proper authorization and rules compliance are the most important factors determining merchant fees. A credit card rates any given transaction will qualify for. In the last two years, the Visa and MasterCard Interchange Rate Qualification Matrix (IQM) has ballooned from … Continue reading →

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3D Merchant Services Renews WBENC WOSB Certifications

Christine Speedy — Mon, 19 Oct 2026 16:51:45 +0000

3D Merchant Services, parent company of Greater Good Tech, announces the renewal of its Women’s Business Enterprise (WBE) certification through the Women’s Business Enterprise National Council (WBENC) and its Women-Owned Small Business (WOSB) certification. 3D Merchant Services is 100% women … Continue reading →

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Stored Card on File: Tips for Manufacturers and Distributors

Christine Speedy — Fri, 28 Aug 2026 13:29:11 +0000

Your customer places a $75,000 order today. Three months later, a different authorized buyer places a $120,000 order using the same card on file. The products, amounts, and people placing the orders are different. It’s not a subscription and it’s … Continue reading →

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CISA Vulnerability Review

Christine Speedy — Thu, 27 Aug 2026 13:19:07 +0000

Fiscal Years 2024 and 2025 Vulnerabilities Report, Publish Date August 26, 2026 Most compromises do not rely on advanced techniques or cutting-edge tools. Cyber threat actors scan the internet looking for exposed, well-known software vulnerabilities to exploit. Basic security failures … Continue reading →

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2026 Credit Card Surcharge Laws Update

Christine Speedy — Thu, 19 Feb 2026 16:38:14 +0000

Which states do not allow credit card surcharge in 2026? Focus on B2B, not retail or B2G. Continue reading →

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Visa Acquirer Monitoring Program (VAMP) Explained

Christine Speedy — Mon, 09 Feb 2026 19:02:15 +0000

Why does compliance with Visa’s new VAMP program matter and what do merchants need to do?Visa’s new VAMP program for online payments became effective April 1, 2025, consolidating five existing fraud and dispute programs into a single acquirer program. The … Continue reading →

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2025 Credit Card Surcharge Laws Update

Christine Speedy — Thu, 06 Feb 2025 20:47:58 +0000

What are 2025 surcharge regulations? Our primary customer base is business to business (B2B) so this credit card surcharge article includes specifics for companies, not government or education, and in particular for B2B and automotive, truck, and related dealers. Merchants … Continue reading →

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Visa Rules Update 2024 For Merchant Credit Card Processing

Christine Speedy — Fri, 03 May 2024 14:46:14 +0000

The summary of Visa Rules 2024 changes is nearly 20 pages! Translation: Merchants need for advanced payment processing technology to automate processing rules compliance. It’s critical avoid unwanted extra fees and issuer initiated chargebacks. Here’s a simple way to validate whether technology … Continue reading →

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2024 Convenience Fee Rules Explained

Christine Speedy — Tue, 30 Apr 2024 15:04:13 +0000

Credit card convenience fees 2024 rules explained. Visa rules on convenience fees are outlined in Table 5-4 Convenience Fee Requirements in Visa Core Rules, which was last modified April 2022. What’s a convenience fee and when can I use it? … Continue reading →

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B2B credit card processing FREE analysis

Christine Speedy — Mon, 22 Jan 2024 16:09:23 +0000

Are increasing merchant services credit card fees annoying you? While technology can optimize fee management, there are multiple reasons new fees or rising fees may occur. Use the information for a quick self-assessment and determine whether it’s worthwhile to engage … Continue reading →

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