Ben Dwyer, Author at CardFellow Credit Card Processing Blog

Credit Card Processing

SBA & Marco Carbajo Negligence Misleads Small Businesses

Despite repeated requests to correct its content, the SBA has chosen to mislead small businesses. On September 10, 2013 the SBA posted an article titled The Best Credit Card Processing For Small Business Owners, written by guest blogger and affiliate marketer Marco Carbajo. In the article, Carbajo makes numerous false statements in an attempt to …

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Credit Card Processing

Credit Card Processor Reviews: Don’t be a Sucker

By Ben Dwyer

Before you get gouged by a so-called “five star” processor, be sure you know the motivation of the reviewer, what or whom the review is targeting, and how credit card processing fees actually work. What’s the motivation for the reviewer? The relationship of the reviewer to the company being reviewed is vital in determining whether …

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Credit Card Processing

Data Breach Prevention and Insurance

By Ben Dwyer

Unlike Target and Home Depot, small businesses don’t always have the money to cover the expenses of a data breach, and may take a bigger reputation hit if customers perceive your business as not secure. You might be considering breach insurance, assuming that will protect you in the event of a data breach. Many credit …

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Credit Card Processing

Best Credit Card Processing: Define, Learn, Search

By Ben Dwyer

Define Best: What’s Really Important The problem with the word “best” is that it’s subjective. Its meaning is unique to the person using it, and when it comes to credit card processing, many people don’t really know what is truly best. For example, people generally feel the best credit card processing solution is the one …

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Credit Card Processing

Flat Rate Credit Card Processing – Fool’s Gold

By Ben Dwyer

If you’re considering a flat rate credit card processing company, here’s what you need to know. What is flat rate pricing? Flat Rate Pricing is An Illusion Truly Competitive Pricing vs. Flat Rate Pricing Interchange Plus Pricing Arguments for Flat Rate Pricing Known Costs Small Tickets What is flat rate pricing? Flat rate is an …

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Credit Card Processing

Credit Card Surcharging: Charging Fees for Using Credit Cards

By Ben Dwyer

What is Surcharging? Simply put, credit card surcharging means adding a fee to the total transaction price when a customer pays with a credit card instead of another method. (Such as cash, check, or debit card.) The fee is a percentage of the total and subject to a cap set by the card brands. This …

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Credit Card Processing

Credit Card Processing Companies: A Who’s Who

By Ben Dwyer

This article will give a sense of the players involved in keeping this system running smoothly, and shed some light on what credit card processing fees actually pay for. Card Brands (Visa/Mastercard) For all of the advertisements produced by major card brands, companies like Visa and Mastercard are in many ways the players furthest removed …

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Credit Card Processing

Qualified, Mid Qualified & Non Qualified Credit Card Processing Rates

By Ben Dwyer

The key to lowering your business’s credit card processing expense is not avoiding non-qualified fees. The key is completely eliminating a processor’s qualification altogether. Who Determines Rate Qualification Qualified, mid-qualified and non-qualified rates are set and manipulated by credit card processors through something called tiered pricing. There is one exception – Visa started using the …

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SBA & Marco Carbajo Negligence Misleads Small Businesses

Credit Card Processor Reviews: Don’t be a Sucker

Data Breach Prevention and Insurance

Best Credit Card Processing: Define, Learn, Search

Flat Rate Credit Card Processing – Fool’s Gold

Credit Card Surcharging: Charging Fees for Using Credit Cards

Credit Card Processing Companies: A Who’s Who

Qualified, Mid Qualified & Non Qualified Credit Card Processing Rates

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