#payments
Manage payment processing, tracking, and reconciliation efficiently
A surcharge is a capped percentage tied to the card; a convenience fee is a flat charge tied to the channel — mislabel one and surcharge rules still apply.
Businesses get two banking days to return a fraudulent ACH debit; consumers get 60. Debit blocks, filters, and Positive Pay close the gap.
A letter of credit makes the importer's bank promise payment against shipping documents; a confirmed credit adds your home bank's guarantee on top.
Embedded cards underwrite from live sales data instead of your FICO score — faster approval, but floating limits and exit terms to read first.
Validate every bank account before the first ACH payment with a prenote, micro-deposits, or instant verification — plus a callback on every detail change.
Card-testing attacks surged 175% in 2026 — bots validating stolen cards on your checkout. Velocity limits, CAPTCHA, and CVC checks stop the fees and disputes.
65% of US consumers say they are fed up with tipping. Here is how merchants can design tip screens — or skip them — without losing regulars.
Paying overseas contractors in stablecoin beats 20-40% inflation losses and wire fees — but the IRS requires W-8BENs, FMV records, and gain/loss tracking.
Visa requires express consent, instant terms, a 7-day pre-billing reminder, and easy online cancel for free trials — miss one and the dispute is unwinnable.
April lump-sum CSA billing suppresses signups and fakes a cash cushion. Default to a deposit plus installments, and book shares as unearned revenue.
Split SNAP and non-SNAP sales into separate accounts with an EBT clearing account, so state soda and candy bans never tangle your books or your compliance.
Klarna earned $9M in Q2 2026 on $1.04B of revenue, but a $69M loan-sale gain did the work; $11.7B of deposits equal 120% of its $9.8B loan book.
