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Business Advice for Merchants

How to Negotiate a Better Merchant Services Rate and Agreement

| January 20, 2026
How to Negotiate a Better Merchant Services Rate and Agreement

Learn how to lower your payment processing rates and negotiate a better MPA — without falling into the “best rate merchant services” trap.

Many merchants — especially high-risk businesses — assume their processing costs are fixed simply because providers frame them that way. In reality, only part of what you’re paying is truly set in stone. Let’s be clear upfront: this guide won’t promise miracle savings or claim you can negotiate interchange rates set by card brands. That’s… Continue reading How to Negotiate a Better Merchant Services Rate and Agreement

8 Best US High-Risk Merchant Service Providers in 2026

| December 19, 2025
8 Best US High-Risk Merchant Service Providers in 2026

Looking for a high-risk merchant account? Take a look at our side-by-side comparison of the best US high-risk merchant service providers.

As banks and card networks continue to tighten underwriting rules and chargeback thresholds, more businesses than ever are being labeled “high-risk.” When you end up in that category, opening — and keeping — a merchant account with a standard bank or a payment aggregator like PayPal or Stripe becomes extremely difficult. Even if you are… Continue reading 8 Best US High-Risk Merchant Service Providers in 2026

Echeck vs ACH vs Wire Transfer: Comparing Cost, Speed, Limits, and Use Cases

| December 10, 2025
Echeck vs ACH vs Wire Transfer: Comparing Cost, Speed, Limits, and Use Cases

Learn the differences between eCheck, ACH, and wire transfers. Compare speed, cost, limits, and popular use cases.

Choosing the right way to move money can save your business time, fees, and a lot of headaches. ACH payments, eChecks, and wire transfers all let you send funds electronically, but each one works differently and is better suited for certain situations. In this quick comparison guide, we’ll break down how each method works, its… Continue reading Echeck vs ACH vs Wire Transfer: Comparing Cost, Speed, Limits, and Use Cases

Visa VAMP Explained: New Rules, Thresholds, and Compliance Tips

| November 26, 2025
Visa VAMP Explained: New Rules, Thresholds, and Compliance Tips

Learn how to comply with VISA VAMP by understanding new rules, thresholds, calculations, and steps for reducing fraud and disputes.

If you accept online Visa payments, you’ve probably heard rumblings about something called VAMP. Maybe your processor mentioned it in passing, or you got an email full of terms like “portfolio monitoring” and “thresholds.”  Visa VAMP (Visa Acquirer Monitoring Program) is a new, all-in-one rulebook that changes how Visa measures fraud and disputes across its… Continue reading Visa VAMP Explained: New Rules, Thresholds, and Compliance Tips

Stripe Account Frozen or Closed? What It Means and What to Do Next

| October 22, 2025
Stripe Account Frozen or Closed? What It Means and What to Do Next

Find out what to do if Stripe freezes or closes your account. Learn recovery steps, payout timelines, and high-risk processor alternatives.

Few things are more frustrating than waking up to find your Stripe account frozen or closed. Your payouts are stuck, new payments can’t go through, and Stripe’s emails don’t exactly explain what went wrong. Stripe is a great platform for many startups and eCommerce brands. However, if your business could be considered “high risk”, you’re… Continue reading Stripe Account Frozen or Closed? What It Means and What to Do Next

How to Manage and Prevent Merchant Account Holds and Freezes

| September 5, 2025
How to Manage and Prevent Merchant Account Holds and Freezes

Learn what a merchant credit hold for review means, how it differs from a freeze, what to do if it happens, and how to avoid it all together.

Nothing slows a business down faster than a sudden hold or freeze on your merchant account. When this happens, your cash flow is disrupted, daily operations take a hit, and customers can quickly lose trust if payments can’t be processed. This article will help you understand the difference between a merchant account hold and a… Continue reading How to Manage and Prevent Merchant Account Holds and Freezes

Terminated Merchant Account: What to Do If Your Merchant Account Gets Closed

| August 20, 2025
Terminated Merchant Account: What to Do If Your Merchant Account Gets Closed

Your merchant account is terminated? Learn why accounts get closed, how to secure your funds, and where find a new merchant services provider

Having your merchant account suddenly shut down can feel like the rug’s been pulled out from under your business. Payments stop, cash flow takes a hit, and the clock starts ticking to find a fix before your operations grind to a halt. Accounts get closed for a handful of reasons — from your processor deciding… Continue reading Terminated Merchant Account: What to Do If Your Merchant Account Gets Closed

How to Choose a Merchant Service Provider? 13 Key Evaluation Questions 

| June 26, 2025
How to Choose a Merchant Service Provider? 13 Key Evaluation Questions 

Here are 13 key questions to ask merchant credit card processors that will streamline the selection of your ideal merchant service provider.

Choosing a merchant service provider is a decision that will impact your customer experience, your bottom line, and how easily your business can grow. Finding the right fit takes a bit of homework — but it’s well worth the effort. In this article, we will show you how to find and shortlist potential providers and… Continue reading How to Choose a Merchant Service Provider? 13 Key Evaluation Questions 

How to Cancel Merchant Services and Switch To a New Provider

| May 14, 2025
How to Cancel Merchant Services and Switch To a New Provider

Learn how to cancel your current merchant services and the steps you can follow to painlessly switch to a new provider.

Feeling stuck with a merchant services provider that no longer meets your needs? Many businesses hold off switching, hoping for better rates, service, or the perfect time — only to keep waiting month after month.  The truth is that, with the right plan, switching merchant services doesn’t have to be complicated, and will save you… Continue reading How to Cancel Merchant Services and Switch To a New Provider

SaaS Payment Processing Partnership for Integrated Payments

| May 4, 2025
SaaS Payment Processing Partnership for Integrated Payments

Learn how SaaS payment partnerships typically work and why software vendors choose SecureGlobalPay as their partner.

In today’s SaaS landscape, partnerships are a serious revenue driver. Research estimates that they account for around 38% of the total revenue a SaaS brings in.  While this percentage is inflated by large companies like Microsoft and Salesforce, it is not unheard of that a well-executed SaaS affiliate program boosts revenue by over 30%. One… Continue reading SaaS Payment Processing Partnership for Integrated Payments

Does PayPal Offer a High-Risk Merchant Account?

| April 30, 2025
Does PayPal Offer a High-Risk Merchant Account?

Is PayPal a good fit for a high-risk business? Learn why PayPal freezes high-risk accounts, how to avoid problems & find better alternatives.

PayPal is one of the biggest names in online payments. It’s easy to use, quick to set up, and trusted by millions of people worldwide. But when it comes to high-risk businesses, PayPal is not a good option — in many cases, it causes more headaches than it solves. In this short article, we’re going… Continue reading Does PayPal Offer a High-Risk Merchant Account?

Everything Merchants Need to Know About Subscription Payment Processing

| March 24, 2025
Everything Merchants Need to Know About Subscription Payment Processing

Learn how subscription payment processing works and how to ensure a smooth payment experience while protecting your bottom line.

Subscription payment processing enables businesses to charge customers on a recurring basis — most often monthly or annually — without requiring a manual entry for each occurrence. This model is the backbone of subscription-based businesses like SaaS companies, streaming services, membership programs, and even meal kit deliveries. A reliable and efficient payment processing system is… Continue reading Everything Merchants Need to Know About Subscription Payment Processing

A Merchant’s Guide to Chargeback Management 

| January 19, 2025
A Merchant’s Guide to Chargeback Management 

Learn what chargeback management is, what it covers, and what are the best ways and tools for streamlining chargeback dispute management.

Whether they stem from customer disputes, friendly fraud, or even criminal activity, chargebacks can pile up quickly, putting your revenue, reputation, and even your ability to process payments at risk. Chargeback management can feel like an uphill battle. It’s a time-consuming, detail-heavy process that involves strict deadlines, extensive documentation, and constant analysis. If you’re not… Continue reading A Merchant’s Guide to Chargeback Management 

Are Debit Card Surcharges Legal? What You Need to Know

| December 9, 2024
Are Debit Card Surcharges Legal? What You Need to Know

In the US, surcharging debit card transactions is not allowed. Learn why — and what merchants can do instead to lower their processing fees.

If you’ve ever seen a business add a little extra fee to your total when you pay with a card, that’s called a surcharge. Merchants use surcharge programs to cover the costs of credit card processing fees, which can eat into their profit margins.  But when it comes to debit card transactions, surcharges are a… Continue reading Are Debit Card Surcharges Legal? What You Need to Know

The Ultimate Guide to SaaS Payment Processing

| May 6, 2023
The Ultimate Guide to SaaS Payment Processing

Master SaaS payment processing — from choosing the right payment model and gateway to optimizing your payment performance.

The goal of SaaS payment processing is to securely and smoothly handle customer payments, subscription plans, and renewals. For SaaS businesses, a seamless payment experience isn’t just nice to have, it has to be perfected, as it directly impacts customer retention. Any hiccups in your payment processing system can mean lost customers and lost revenue.… Continue reading The Ultimate Guide to SaaS Payment Processing

All You Need to Know About Continuity Subscription Merchant Services

| May 4, 2023
All You Need to Know About Continuity Subscription Merchant Services

Learn how continuity subscription works, solve the challenges you might face, and find a reliable merchant services provider.

The subscription economy is booming. More businesses than ever are moving to continuity subscription models — offering products or services through recurring billing plans. Convinience for customers, predictable revenue for businesses — a win-win situation. However, managing these subscription payments isn’t always straightforward, especially if you are a high-risk business. In this guide, we’ll explain… Continue reading All You Need to Know About Continuity Subscription Merchant Services

Find the Best Payment Gateway for Your SaaS Platform

| April 20, 2023
Find the Best Payment Gateway for Your SaaS Platform

Learn how a SaaS payment gateway works, what features to look for & how to compare top providers to find the right solution for your platform

Choosing the right SaaS payment gateway is a crucial step for any software provider looking to scale, streamline billing, and serve customers around the world. From handling recurring subscriptions to preventing fraud and managing chargebacks, the right gateway can make or break your user experience and revenue flow. In this guide, we’ll cover everything you… Continue reading Find the Best Payment Gateway for Your SaaS Platform

Merchant Services Partner Program – Merchant Referrals

| April 18, 2023
Merchant Services Partner Program – Merchant Referrals

A merchant services partner program & merchant referral program provides rev share opportunities for approved merchant account referrals

Merchant services play a critical role in the success of any business that accepts electronic payments. From credit cards to mobile wallets, merchants need reliable payment processing solutions that are secure, efficient, and cost-effective. However, not all merchant providers have the expertise or resources to manage payment processing independently, which is where SecureGlobalPay’s merchant services… Continue reading Merchant Services Partner Program – Merchant Referrals

Level 1, Level 2, and Level 3 Credit Card Processing Explained

| February 20, 2023
Level 1, Level 2, and Level 3 Credit Card Processing Explained

Explore the differences, eligibility, and potential savings between Level 1, Level 2, and Level 3 credit card processing.

When you swipe or dip your credit card, a lot goes on behind the scenes. If you’re a business owner, understanding Level 2 and Level 3 credit card processing can make a big difference in how much you pay in fees and how efficiently you handle transactions.  These processing levels come into play for B2B… Continue reading Level 1, Level 2, and Level 3 Credit Card Processing Explained

What is a Merchant Statement — and How to Read It Properly

| October 10, 2022
What is a Merchant Statement — and How to Read It Properly

Learn how to read your merchant card payment processing statement by identifying a few key components before requesting an analysis.

Have you ever looked at your merchant processing statements and felt like you needed a translator? You’re not alone. For many business owners, merchant statements are dense and full of confusing terms and numbers. Still, it is important to understand them at a basic level so you can catch red flags early and spot hidden… Continue reading What is a Merchant Statement — and How to Read It Properly

Subscription payment processing enables businesses to charge customers on a recurring basis — most often monthly or annually — without requiring a manual entry for each occurrence. This model is the backbone of subscription-based businesses like SaaS companies, streaming services, membership programs, and even meal kit deliveries. A reliable and efficient payment processing system is critical for businesses running on subscriptions. It simplifies transactions, reduces payment failures, and ensures customers don’t jump to a competitor because of a preventable billing issue. In this guide, we’ll break down the different types of subscription payment models, explain how subscription billing works, and walk through the key components that make it all run smoothly.

Subscription payment processing enables businesses to charge customers on a recurring basis — most often monthly or annually — without requiring a manual entry for each occurrence. This model is the backbone of subscription-based businesses like SaaS companies, streaming services, membership programs, and even meal kit deliveries. A reliable and efficient payment processing system is critical for businesses running on subscriptions. It simplifies transactions, reduces payment failures, and ensures customers don’t jump to a competitor because of a preventable billing issue. In this guide, we’ll break down the different types of subscription payment models, explain how subscription billing works, and walk through the key components that make it all run smoothly.

Subscription payment processing enables businesses to charge customers on a recurring basis — most often monthly or annually — without requiring a manual entry for each occurrence. This model is the backbone of subscription-based businesses like SaaS companies, streaming services, membership programs, and even meal kit deliveries. A reliable and efficient payment processing system is critical for businesses running on subscriptions. It simplifies transactions, reduces payment failures, and ensures customers don’t jump to a competitor because of a preventable billing issue. In this guide, we’ll break down the different types of subscription payment models, explain how subscription billing works, and walk through the key components that make it all run smoothly.

Subscription payment processing enables businesses to charge customers on a recurring basis — most often monthly or annually — without requiring a manual entry for each occurrence. This model is the backbone of subscription-based businesses like SaaS companies, streaming services, membership programs, and even meal kit deliveries. A reliable and efficient payment processing system is critical for businesses running on subscriptions. It simplifies transactions, reduces payment failures, and ensures customers don’t jump to a competitor because of a preventable billing issue. In this guide, we’ll break down the different types of subscription payment models, explain how subscription billing works, and walk through the key components that make it all run smoothly.

SecureGlobalPay was created to deliver complete merchant processing solutions for businesses of every size and industry. We are a US based payment services provider supporting retail, high risk, and hard to place merchants across the US, Canada, the EU, and the UK.

We offer end to end payment solutions for card payments, ACH, eCheck, and alternative payment methods across online, MOTO, and mobile channels. Our platform includes fast approvals, transparent pricing, fraud and chargeback protection, and seamless integrations with platforms like Shopify, WooCommerce, and more.

Our founder and CEO, Roland, brings nearly three decades of experience in the payment industry. Throughout his career, he saw too many legitimate businesses being unfairly treated or rejected simply because of their industry, risk profile, or business model.

SecureGlobalPay was built on a simple belief: every legitimate merchant deserves reliable, fair, and professional payment processing, no matter what type of business they run.

SecureGlobalPay was created to deliver end-to-end merchant processing solutions for businesses of all sizes and across every industry. We are a US-based merchant services provider specializing in payment processing for retail, higher-risk, and hard-to-place businesses throughout the US, Canada, the EU, and the UK.

Our team offers complete payment solutions for bank cards, ACH, eCheck, and alternative payment methods, supporting online, MOTO, and mobile transactions. SecureGlobalPay is known for fast approvals, transparent pricing, strong fraud and chargeback protection, and seamless integrations with platforms like Shopify, WooCommerce, and many others.

Our founder and CEO, Roland, brings nearly 30 years of industry experience. Throughout his career, he saw firsthand how many merchants are unfairly treated or mislabeled based on their industry, niche, or perceived risk.

SecureGlobalPay was built on a simple principle: every legitimate business deserves fair access to reliable payment processing, regardless of its business model or vertical.

SecureGlobalPay was created to deliver complete merchant processing solutions for businesses of every size and industry. We are a US based payment services provider supporting retail, high risk, and hard to place merchants across the US, Canada, the EU, and the UK.

We offer end to end payment solutions for card payments, ACH, eCheck, and alternative payment methods across online, MOTO, and mobile channels. Our platform includes fast approvals, transparent pricing, fraud and chargeback protection, and seamless integrations with platforms like Shopify, WooCommerce, and more.

Our founder and CEO, Roland, brings nearly three decades of experience in the payment industry. Throughout his career, he saw too many legitimate businesses being unfairly treated or rejected simply because of their industry, risk profile, or business model.

SecureGlobalPay was built on a simple belief: every legitimate merchant deserves reliable, fair, and professional payment processing, no matter what type of business they run.

SecureGlobalPay was created to deliver end-to-end merchant processing solutions for businesses of all sizes and across every industry. We are a US-based merchant services provider specializing in payment processing for retail, higher-risk, and hard-to-place businesses throughout the US, Canada, the EU, and the UK.

Our team offers complete payment solutions for bank cards, ACH, eCheck, and alternative payment methods, supporting online, MOTO, and mobile transactions. SecureGlobalPay is known for fast approvals, transparent pricing, strong fraud and chargeback protection, and seamless integrations with platforms like Shopify, WooCommerce, and many others.

Our founder and CEO, Roland, brings nearly 30 years of industry experience. Throughout his career, he saw firsthand how many merchants are unfairly treated or mislabeled based on their industry, niche, or perceived risk.

SecureGlobalPay was built on a simple principle: every legitimate business deserves fair access to reliable payment processing, regardless of its business model or vertical.