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9 минути четене

NCUA Preempts State Interchange-Fee Laws: What the Credit Union Rule Means for Your Business

On June 30, 2026, the NCUA issued an interim final rule declaring that federal law preempts state laws — like Illinois's Interchange Fee Prohibition Act — that bar interchange fees on the sales-tax and tip portions of card transactions for federal credit unions. Here is what the rule says, why the litigation is far from over, and how small businesses should track card-processing costs while the rules stay unsettled.

Mike Thrift

paymentsbankingsmall-business
6 минути четене

Ramp's $44 Billion Valuation: What the Corporate-Card Land Grab Means for Small Business Fees

Ramp raised $750 million at a $44 billion valuation in June 2026 — nearly triple its worth a year earlier — while Capital One closed its $5.15 billion Brex acquisition. Here's how interchange-funded 'free' corporate cards turn into platform fees, what to check before renewal, and why the spend-management arms race is a pricing signal for small businesses.

Mike Thrift

fintechsmall-businessexpense-management
5 минути четене

Stripe and Advent's $53.4 Billion Bid for PayPal: What It Means for Your Merchant Fees

Stripe and Advent International offered $60.50 a share — about $53.4 billion — to buy PayPal, a deal that would merge processors handling $3.7 trillion in annual volume. History shows consolidation like Global Payments-Worldpay raised merchant costs through padded fees, so here are four concrete steps to protect your processing costs now.

Mike Thrift

paymentsfintechmergers-and-acquisitions
6 минути четене

Virginia's HB 402: Cottage Food Producers Can Now Sell Online and Ship Statewide

Virginia's House Bill 402, effective July 1, 2026, lets cottage food producers accept online orders and electronic payments, sell from any location in the Commonwealth, ship via third-party carriers within the state, and list a PO box on product labels. Production limits stay in place — home kitchens only, no potentially hazardous foods, no wholesale, no interstate shipping, and the $9,000 acidified-food sales cap — and localities can still impose their own zoning or permit requirements.

Mike Thrift

small-businesscompliancelegal
7 минути четене

EDI vs. DBNAlliance E-Invoicing: What Small B2B Sellers Need to Know Before a Big Customer Mandates It

Traditional EDI costs small suppliers $10,000–$100,000+ upfront plus $1–$5 per transaction, while the nonprofit DBNAlliance exchange network launched in 2024 cuts per-invoice fees to $0.05–$0.25 — some access points are free. Here's how small B2B sellers can meet Walmart-style electronic invoicing mandates without overpaying, and why structured e-invoices get paid 1.4–2 days faster.

Mike Thrift

invoicingsmall-businesscompliance
7 минути четене

Illinois Banned Swipe Fees on Sales Tax and Tips — So Why Are You Still Paying Them?

Illinois's Interchange Fee Prohibition Act was supposed to stop banks from charging swipe fees on sales tax and tips, but after two effective-date delays to July 1, 2027, an OCC preemption rule, and a June 2026 permanent injunction covering national banks and card networks, merchants are still paying. Here's where the law stands and what it means for your processing costs.

Mike Thrift

paymentssales-taxbanking
7 минути четене

Louisiana's Act 751 Bans Debit Card Surcharges — Which Were Already Illegal. Here's Why Retailers Should Still Worry

Louisiana's Act 751 takes effect August 1, 2026, adding state enforcement — cardholder notice letters, a 30-day refund cure window, and civil penalties up to $500 per violation — to a debit card surcharge ban that federal law and card network rules already imposed nationwide. Here's what retailers should check in their POS systems, and how to book any refunds cleanly.

Mike Thrift

paymentspoint-of-salecompliance
7 минути четене

Visa Just Cut Your Chargeback Tolerance by a Third: What the 1.5% VAMP Threshold Means for Small Merchants

On April 1, 2026, Visa's VAMP program cut the merchant fraud-and-dispute threshold from 2.2% to 1.5% in the US, Canada, EU, and Asia-Pacific. Here's how the (TC40 + TC15) ÷ settled transactions ratio works, the 1,500-event monthly floor, the $8-per-transaction penalty, and six concrete steps to stay under the line.

Mike Thrift

chargebackspaymentsfraud-prevention
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