Credit card processing doesn’t have to be a headache. We’ve collected CardFellow’s detailed articles on everything from pricing models to security to help you understand merchant services and find the information you need.

What You’ll Find

Start with our guide to credit card processing if you want the full overview, or dig into specialty topics to get answers to specific questions. Within the processing category, we’ve “tagged” posts so you can easily find related topics.

Our credit card processing posts contain actionable information for businesses large and small. You don’t have to be a fortune 500 company to get great pricing and fair contracts.

Whether you’re looking for information on alternatives to Square smartphone processing or want to know if it’s legal to add fees for credit card purchases, we’ve got you covered.

If you still can’t find the answer you need, give us a call for assistance. We’re always happy to help.


Credit Card Processing

Kratom Merchant Accounts: What You Need to Know

Some credit card processors simply lump kratom with marijuana and refuse to provide merchant accounts for either substance. Others are willing to provide merchant accounts for kratom, but you can expect to go through a lengthier approval process and pay fees that reflect kratom’s high risk processing status. What is “high risk” processing? What is…

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Kratom is different than marijuana and CBD, but sellers often run into the same problems as marijuana dispensaries when it comes to obtaining a merchant account.

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Accounting and Finance, Credit Card Processing

Clover Capital: Funds for Small Businesses

Much like competitor Square Capital, Clover Capital provides merchant cash advances to customers. Cash advances are typically easier to obtain than small business loans, but do have some potential drawbacks to consider. Clover Capital Other Companies Called Clover Capital What is a merchant cash advance? Business Loan vs. Merchant Cash Advance Acceptable Uses of Funds…

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Businesses using Clover systems may be eligible to borrow funds for business purposes through the Clover Capital program.

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Credit Card Processing

Clover Monthly Fees: Choosing a Software Plan

There are several choices, each with different costs and features. In this article, we’ll cover the monthly fees for Clover plans, hardware/software compatibility, and what you get with each software plan. Clover Equipment Clover Software Plans Payments Plus Register Lite Register Register Plan Pricing for Clover Stations Other Clover Fees App Fees How much does…

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If you use Clover credit card processing equipment, you’ll need to pick a software plan along with the machine. Which Clover software plan is right for you?

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Credit Card Processing

Clover vs Square: Which should you choose?

When it comes to choosing between Square and Clover, you’ll want to consider the cost not just for hardware but the processing fees as well. In this article, we’ll cover features and processor compatibility as well as examine how the most comparable devices in each line stack up side by side. General Features Square Capital…

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Both companies offer sleek, modern-looking POS systems, credit card machines, and mobile readers, but how do they compare in terms of costs, features, and processor compatibility?

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B2B, Credit Card Processing

Level III Credit Card Processing: Large Tickets, B2G, and Purchasing Cards

Visa and Mastercard have separate interchange categories for level III transactions, so providing all of the required information can result in savings if your business accepts a lot of cards that are level III eligible. However, not all cards are level III eligible, and not all gateways are capable of passing level III data. Let’s…

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Level III (or level 3) data refers to providing specific line item details at the time of a purchasing card or government card transaction beyond what is required for consumer card transactions.

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Credit Card Processing

What is a Good Rate for High Risk Processing?

However, it’s still possible to get a general idea of average costs for various industries and business types. At CardFellow, we work with processors that serve high risk businesses and have pulled together some rough numbers to give you an idea of whether you’re overpaying. Rates for High Risk Merchant Accounts What High Risk Processors…

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At the best of times, it can be difficult to give an accurate answer regarding a good “rate” for credit card processing, because costs are highly business-specific. This is even more true of “high risk” businesses – those in industries like adult entertainment, gambling, vape shops, travel, and tech support.

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Credit Card Processing, Specialty Businesses

Challenges for CBD Merchant Accounts

CBD products that make “unsubstantiated” health claims, in particular, may have fewer options when it comes to credit card processing. Let’s take a look at finding the right merchant account for CBD sales. How is CBD different than marijuana? Is CBD legal? CBD vs. Marijuana According to the DEA Problems for CBD Sellers What are…

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If you sell CBD oils, waters, creams, or edibles, you know that it’s not the same as selling marijuana or marijuana edibles. But that doesn’t mean you won’t run into difficulties finding a credit card processor.

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Credit Card Processing, Legal

Eliminating Credit Card Fees with Cash Discounts: Is It Legal?

The short answer: yes, when done correctly. The longer answer is that there’s a lot of confusion about the difference between “cash discounts” and “surcharges,” and that confusion has led to labeling surcharge programs as cash discount programs. Let’s look at the differences between the two and how you can stay on the right side…

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Credit card processing companies are popping up left and right offering “cash discount” programs to eliminate your credit card processing fees. Are they legal and are they permitted in merchant agreements?

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