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ACH payment processing operates via the ACH network. Every ACH transaction goes through a seven-step process involving six ACH payment processor entities. These entities include the originator, the receiver, the originating depository financial institution (ODFI), the receiving depository financial ...READ MORE
Online credit card processing refers to card-not-present payments that are completed on an e-commerce website via a Payment Gateway. The gateway is either provided by or integrated with a Merchant Service Provider.READ MORE
There isn’t a single answer to the question “How do merchant services work?”READ MORE
In 2015, the United States saw a major shift in consumer payment methods from traditional magstripe cards to EMV-chip cards. This transition is referred to as the EMV liability shift. With the majority of U.S. consumers now paying with chip cards, the next wave of technology is about to roll out: co...READ MORE
With the exception of choosing a credit card terminal, getting an online merchant account is no different from setting up a standard merchant account for brick-and-mortar use. The process is exactly the same, comprised of an application process and the submission of supporting documents.READ MORE
In the wake of the liability shift, many businesses that process credit cards and providers in the payments space scrambled to become EMV compliant. Since the introduction of EMV chip readers, there has been much back and forth on whether EMV chip readers are mandatory and whether they have any impl...READ MORE