In part one of this multi-part blog series, we went over some of the basic steps for protecting your business from credit card processing scams certain dishonest individuals or entities may try to run. Credit card processing is a realm that contains quite a bit of money, and sadly this makes it a target for some scammers who may attempt a few different tactics. At Merchant Card Advisors, we’re proud to offer a wide range of credit card payment processing services, from mobile credit card processing to numerous other types your business might be in need of. In today’s part two of our running series, we’ll go over a few tangential areas of concern – these aren’t necessarily [...]

There are sadly many financial scammers out there in the world, and a common target for these individuals and entities is small businesses. There are many types of scams as well, including several within the credit card processing realm. At Merchant Card Advisors, our small business credit card processing services, which include high-risk companies who may struggle to find other processors, including several fraud and scam prevention themes. In this multi-part blog series, we’ll go over some of the general tactics credit card processing scammers may attempt, the specific scams they’ll try to run, plus how you can avoid all such issues for your business. General Scammer Tactics Scammers may try several different specific scams, but these tend [...]

While credit card processing areas tend to get plenty of attention from merchants, it’s important not to forget about related debit payments. Debit cards may not get as much press as credit cards and ACH rates, but they are priced separately by processors and should absolutely be considered. At Merchant Card Advisors, we’re proud to offer numerous such services, from small business credit card processing solutions to a variety of other payment processing programs. Those considering their debit payment processing areas will generally have a choice between debit formats using PIN numbers and those using signatures – here’s a comparison of these two types and some of the factors to consider when deciding on one, the other or [...]

In part one of this two-part blog series, we went over some of the potential culprits behind your business being declined by certain credit card processors. Even if you’ve done everything right as a small business owner, your business may fall into certain categories or have certain risk levels that lead to many processors denying you service. At Merchant Card Advisors, we’re proud to offer a variety of credit card processing services, including those for high-risk card processing needs and companies who might be denied service by certain other processors. In today’s part two, we’ll go over a few additional reasons why your business might get declined in certain cases, plus how you can manage certain of these [...]

If you’re a small business owner or manager who was recently declined on an application with a new credit card processing company, you might be wondering why. You may have done everything right in the application process, only to find you were denied for one of several potential reasons. At Merchant Card Advisors, we’re happy to provide credit card processing services for a variety of small business types, including for high-risk lenders and other business types that may deal with declines from certain other merchants. In this two-part blog series, we’ll go over some of the reasons that might be behind your business being declined by certain processors, plus some tips on how to deal with some of [...]

With each passing year, Americans’ collective reliance on credit cards and debit cards for transactions only continues to increase. A 2018 report indicated that roughly 30% of all transactions use cash as the payment instrument, meaning 70% (and likely an even larger percentage in the time since this study) use some other method – with card payments high on the list. At Merchant Card Advisors, we’re proud to offer credit card processing solutions that work for everyone from high-risk merchants to a variety of small businesses, allowing you to meet this increasing demand for card payments in ways that benefit your business. We’re confident our services stack up extremely well against our competitors in this sphere, and we [...]

For businesses and merchants who regularly run credit card transactions, there’s nothing better than receiving deposited funds from a credit card processor. This process generally takes two to three days for most standard merchant accounts, at least when talking about normal, run-of-the-mill charges. At Merchant Card Advisors, we’re proud to offer a variety of payment processing solutions for businesses and merchants everywhere, including high-risk card services for those who require it. One exception to the above timetable for receiving funds in your merchant account is when you have an abnormally high payment that’s being processed – today’s blog will look into why this process might be delayed and what you can do to help it along. Normal Payments [...]

At Merchant Card Advisors, we’re proud to offer a variety of online credit card processing services for a variety of companies, from lending companies to small businesses and many others. Using just our single application, you can accept credit card and mobile payments without any complexity or hidden costs while remaining compliant with all prudent regulations. When it comes to the specific kinds of equipment or software utilized by services like ours, two very important items to know about are virtual terminals and payment gateways. While some people confuse these and assume they are the same, they are actually different items that work together to provide you with the ability to easily process online payments. Here’s a basic [...]

As unfortunate as it may be, the simple reality is that fraud attempts in the financial world are never going away. Unscrupulous individuals will always try to get a leg up and make some easy cash off honest people, and one area among many where they may attempt these schemes is within the credit card processing world. At Merchant Card Advisors, we offer high-quality business credit card processing services that help protect you from a variety of fraud types and similar risks. One term that’s often associated with fraud, both in reality and in a slightly exaggerated reputation, is the “chargeback.” What is a chargeback, what are some of the issues with third-party services who claim to prevent [...]