Payment Processing Insights & Resources
Plain-English guides, industry news and explainers on how payments work, for merchants, finance teams and partners.
Latest blog posts
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FeaturedB2B Payments
AI Agents Paying Supplier Invoices: Visa's First Live Pilot
Visa's live pilot lets AI agents pay approved supplier invoices. Learn how agent authentication, agent registries and tokenized cards fit together.
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Integrations
How Payment and ERP Integration Changes Reconciliation
What payment reconciliation involves, which steps an ERP or accounting integration automates, and what to check before choosing one.
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High-Risk
What Makes a Business High Risk to a Payment Processor
How acquirers judge merchant risk, from industry and chargebacks to prepayment, and what a high-risk label means for pricing, reserves and paperwork.
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Recurring Billing
Why Recurring Card Payments Decline and How to Recover Them
Why saved-card and subscription payments fail, how account updaters, tokens and retries recover them, and which card network rules limit retries.
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B2B Payments
Authorize.net Visa CEDP Compliance: How to Migrate from Level 2 and Level 3 Without Losing Your Interchange Savings
Visa Level 2 and Level 3 are being replaced by CEDP. Learn what Authorize.net merchants need for Product 3 data, why the Virtual Terminal isn't enough, and how TouchSuite helps you migrate securely and keep fees low.
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B2B Payments
NMI Visa CEDP Compliance: How to Migrate from Level 2 and Level 3 Without Losing Your Interchange Savings
Visa Level 2 and Level 3 are being replaced by CEDP. Learn the timeline, the new Product 3 data rules, and how TouchSuite's 10+ years with NMI helps you migrate securely and keep your fees low.
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Contactless
How Tap to Pay on a Phone Works for Merchants
How a smartphone accepts contactless card and wallet payments, why the card number stays hidden, and what a merchant needs to set it up.
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ACH
ACH vs. Card Payments for B2B Invoices: How to Choose
How ACH, eCheck and card payments differ for business invoices in speed, cost, returns and disputes, and how to choose a method per customer.
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Chargebacks
Chargebacks Explained: How Disputes Work and How to Respond
How a card dispute moves from the cardholder to the issuer to your account, what reason codes mean, and what evidence helps you respond.
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PCI DSS
PCI DSS for Small Merchants: What You Are Responsible For
How PCI DSS works for small businesses: who sets and enforces it, how SAQs and scans fit in, and how outsourcing card handling changes your share.
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Settlement
Card Settlement and Funding: When Sales Reach Your Bank
How a card sale moves from authorization to clearing, settlement and deposit, and what decides whether your money arrives next day or later.
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Chargebacks
What Is a Chargeback Ratio, and How Can Merchants Keep It Under Control?
Learn how Visa and Mastercard measure chargeback ratios differently, diagnose the six root causes, and build a weekly routine to keep your merchant account in good standing.
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High-Risk
What Is a Rolling Reserve on a High-Risk Merchant Account?
Understand rolling, fixed, and capped reserves—how they work, when funds release, and what to ask before signing a high-risk merchant agreement.
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Education
Merchant Account vs. Payment Gateway vs. Payment Processor: What Do You Actually Need?
Understand the real difference between a merchant account, payment gateway, and processor—then choose the right setup for your store, e-commerce site, or high-risk business.
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Pricing
Cash Discount vs. Surcharge vs. Dual Pricing: What’s the Difference?
Understand the legal and operational differences between cash discount, surcharge, and dual-pricing programs before choosing one for your business.
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B2B Payments
Level 2 vs. Level 3 Credit Card Processing: What B2B Merchants Need to Know
Understand Level 2 vs Level 3 processing data fields, interchange qualification, and ERP dependencies before assuming enhanced data will lower your B2B costs.
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Integrations
Odoo Payment Processing: How Integrated Payments and Reconciliation Work
How invoice, recurring billing, tokenization, and reconciliation workflows connect inside Odoo — and how TouchSuite's NMI-based integration fits the architecture.
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High-Risk
Payment Processing for Credit Repair Businesses: A Complete Buying Guide
Credit repair is a high-risk vertical most processors restrict. Learn what to look for in a credit repair payment processor, how to get approved, and how TouchSuite supports the industry.
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Finance
What Is Working Capital and How Do Merchant Cash Advances Work?
Working capital is the cash that keeps your business running. Learn how merchant cash advances work, when they make sense, and how TouchSuite provides fast access to both.
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High-Risk
How to Get Approved for a High-Risk Merchant Account (Step-by-Step)
Get approved for a high-risk merchant account by choosing the right processor, preparing complete documentation, and completing underwriting promptly. Full step-by-step guide.
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POS Systems
Best POS Systems for Small Businesses: Clover vs. Epos Now vs. Alternatives
Compare Clover, Epos Now, Square, and Toast by business type, hardware, and payment relationship. Scenario-based picks with honest tradeoffs.
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High-Risk
CBD Merchant Accounts: How to Accept Credit Cards for CBD & Hemp in 2026
Most mainstream processors restrict CBD and hemp. Learn how to get a stable CBD merchant account, what documentation you need, and how TouchSuite supports CBD & hemp businesses.
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High-Risk
Best High-Risk Merchant Account Providers for Small Businesses (2026 Guide)
The best high-risk merchant account providers approve CBD, credit repair, nutraceuticals, firearms, and eCommerce businesses with transparent pricing and fast underwriting. 2026 guide.
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