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Merchant Services Insights

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Important insights into the merchant services industry to help you lower your costs, stay compliant, and keep up with the latest payment technology.

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FTC Sues Toast Over Hidden Fees: What Every Merchant Should Check
Industry News

FTC Sues Toast Over Hidden Fees: What Every Merchant Should Check

The FTC and eight states just sued Toast over alleged hidden fees, unwanted add-ons and hard-to-cancel contracts. Here’s what the lawsuit says, how Toast responded and the six red flags to check in your own agreement.

Brooks Rohrer
10/29/2026
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Choosing the Right Payment Processor
Merchant Services 101

Choosing the Right Payment Processor

Your processor touches every sale you make. Here’s what to compare, which contract traps to avoid and how to find what you really pay before you switch.

Brooks Rohrer
10/28/2026
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Best POS Systems for Small Business in 2026
POS

Best POS Systems for Small Business in 2026

Compare Clover, Exatouch, TableTurn, Square, Toast and Lightspeed on real costs, contracts and processing, and find the right POS for your business.

Brooks Rohrer
10/25/2026
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How to Safely Accept Credit Card Payments Over the Phone
Merchant Services 101

How to Safely Accept Credit Card Payments Over the Phone

The safest ways to take card payments over the phone in 2026, the PCI rules you must follow, and how to stop phone-order fraud.

Brooks Rohrer
10/24/2026
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Credit Card Processing Downgrades: What They Are and How to Stop Paying for Them
Pricing

Credit Card Processing Downgrades: What They Are and How to Stop Paying for Them

A downgrade is when a card sale misses the requirements for its lowest interchange rate. Here’s what causes them and how to stop paying for them.

Brooks Rohrer
10/24/2026
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What “BANKCARD MTOT DEP” and “MTOT DISC” Mean on Your Bank Statement
Merchant Services 101

What “BANKCARD MTOT DEP” and “MTOT DISC” Mean on Your Bank Statement

Those cryptic BANKCARD lines on your bank statement are your card processing: deposits coming in and fees going out. Here’s what each one means, when it posts, and how to use the DISC line to find out what you really pay.

Brooks Rohrer
10/23/2026
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What Is a Merchant ID Number (MID) and How to Find Yours
Merchant Services 101

What Is a Merchant ID Number (MID) and How to Find Yours

Every business that accepts cards has a merchant ID. Here’s what the number is, where it hides, who should and shouldn’t have it, and what happens to it when you switch processors.

Brooks Rohrer
10/23/2026
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Utility Interchange Pricing for Waste Management and Utility Companies
Interchange

Utility Interchange Pricing for Waste Management and Utility Companies

Our utility clients cut card processing fees by 70% on average with utility interchange pricing. Here’s who qualifies and how to get it.

Brooks Rohrer
9/24/2026
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Credit Card Surcharging: Eliminate Credit Card Processing Fees the Right Way
Pricing

Credit Card Surcharging: Eliminate Credit Card Processing Fees the Right Way

Done right, implementing a surcharge can take your credit card processing fees to zero without changing a single price. Here are the rules, the benefits, and how to set it up.

Brooks Rohrer
9/23/2026
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