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Credit Card Processing

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

| November 26, 2025

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

Credit Card Surcharge Signage – Rules, Templates & Examples   

| December 17, 2024

Learn how your credit card surcharge sign must look and be presented to your customers. Surcharge signage examples and templates are included

Adding a surcharge to credit card transactions is a common way for businesses to offset processing fees. However, as a merchant, it’s essential to communicate this clearly and effectively to your customers whenever you do that. Proper card surcharge signage ensures transparency, avoids misunderstandings, and keeps you compliant with card network rules and local regulations.… Continue reading Credit Card Surcharge Signage – Rules, Templates & Examples   

Are Debit Card Surcharges Legal? What You Need to Know

| December 9, 2024

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

Is it Legal to Charge a Credit Card Fee?

| June 15, 2024

In most states, it is legal to charge a fee to use a credit card as long as you comply with state regulations & follow card brand guidelines

Many businesses come to us asking whether it’s legal to pass on the processing costs to their customers. Is it legal to charge a credit card fee? The short answer is: yes, but with some caveats.  To give you a more nuanced answer, we have to delve into a web of regulations, types of fees,… Continue reading Is it Legal to Charge a Credit Card Fee?

Get a High-Risk Merchant Account and Credit Card Processing

| March 3, 2024

Learn about the requirements, fees, and application process involved with high-risk merchant accounts and credit card processing services.

High-risk merchant accounts and high risk merchant processing services by SecureGlobalPay offer a lifeline for businesses that struggle to secure traditional merchant services because of the nature of their business, higher chargeback rates, or other risk factors. With over 25 years of experience, we look forward to speaking with you. If your business falls into… Continue reading Get a High-Risk Merchant Account and Credit Card Processing

IVR Payment Gateway – Everything You Need to Know

| June 2, 2023

The best IVR payment gateway for telecommunications payment services enables touch-tone payment systems to accept credit card transactions.

According to a recent study, billing inquiries are the primary reason behind customer support calls in the banking and financial sectors. The second highest volume of support calls are made to internet service providers. In addition, almost a quarter of the calls to healthcare providers are related to billing issues. All these support-related channels rely… Continue reading IVR Payment Gateway – Everything You Need to Know

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

| February 20, 2023

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

Unattended Payment Processor – A Guide to Assist Merchants

| December 7, 2022

An unattended payment processor offers comprehensive credit card payment processing solutions for outdoor and unattended kiosk business models

In today’s digital world, the success of a business depends on its ability to process payments quickly, securely, and cost-effectively. To that end, an unattended payment processor offers comprehensive payment processing solutions for unattended business models, outdoor events, vending machines, and kiosks. This guide will help businesses understand the fundamentals of unattended outdoor credit card… Continue reading Unattended Payment Processor – A Guide to Assist Merchants

Here’s How Much It Costs to Process Credit Cards

| September 1, 2022

How much does it cost to process credit cards? This is one of the first questions business owners ask when looking for merchant services.

Partnering with a credit card processing company and payment services provider is a great option for growing your business and increasing revenues. However, when business owners first start thinking about accepting non-cash payments, the first question that comes to mind is, “how much does it cost to process credit cards?” What are the advantages and… Continue reading Here’s How Much It Costs to Process Credit Cards

Accept Payments in Multiple Currencies – How to Get Started

| May 27, 2022

Becoming a global business has increased in popularity. Learn how to accept payments in multiple currencies effectively and affordably.

In a globalized economy, businesses need to think globally. That means finding ways to attract customers from every corner of the world and making it as easy as possible for them to buy your products. A great way to do this is to accept payments in multiple currencies at the point of sale. This article… Continue reading Accept Payments in Multiple Currencies – How to Get Started

Accept Credit Cards on a Phone For Mobile Payments

| September 20, 2021

Accept credit cards on phone or tablet via our iProcess mobile payments application. Mobile payment processing made easy w/ SecureGlobalPay

When accepting credit cards on a phone, a business owner needs an ideal payment provider. To accept credit cards on phone or tablet via our iProcess mobile payments application, merchants simply need to download our mobile app. Mobile payment processing made easy with SecureGlobalPay! With the right provider, the business owner can accept card payments… Continue reading Accept Credit Cards on a Phone For Mobile Payments

What is a Merchant ID (MID)?

| August 6, 2021

A merchant ID or merchant identification number can usually be issued the same day for most lower risk businesses processing under 25K p month

Processing credit and debit card payments is a must-have for any business looking for sustainability and profitability. But to do this, merchants need to find a way of making sure transactions are secure, conveniently processed, and their funds are deposited as soon as possible. SecureGlobalPay offers state-of-the-art payment solutions, next day funding and same day… Continue reading What is a Merchant ID (MID)?

Credit Card Reader for Phones

| July 14, 2021

Mobile merchants use mobile card swipers or mobile credit card readers for phones when accepting credit and debit card payments on the go

In a United States bank survey of over 2,000 Americans, 50% of the respondents revealed they hardly carried cash around. Over 76% of them admitted they still carried money in their wallets but said it was never more than $50. To accommodate this marketplace, mobile merchants use card swipers or mobile credit card readers for… Continue reading Credit Card Reader for Phones

How to Calculate Basis Points in Credit Card Processing

| July 8, 2021

Learn how to calculate basis points, how they scale with percentages, and how they influence credit card processing fees.

A basis point (bps) is a financial term used to describe a small unit of measurement for interest rates and other percentages. In credit card processing, basis points help determine the fees merchants pay for each transaction. Knowing how to calculate basis points and how they work can help businesses identify cost-saving opportunities, compare processing… Continue reading How to Calculate Basis Points in Credit Card Processing

Credit Card Brand Fees & Credit Card Fees

| September 28, 2020

Credit Card Brand Fees & Credit Card Fees are a crucial part of payment processing. It's important to know the difference between the two.

Processing credit card transactions for your online business involves overcoming numerous obstacles. You must maintain good records, provide solid customer service and be prepared to deal with the challenges posed by fraud, theft and chargebacks. You must also be able to understand your payment processing fees. Understand payment processing fees in general and the difference… Continue reading Credit Card Brand Fees & Credit Card Fees

The Advantages and Disadvantages of Accepting Credit Cards for Your Small Business

| December 5, 2017

Advantages and Disadvantages of Accepting Credit Cards. It really depends on your Business Model & what you are trying to accomplish

If your small business does not yet accept debit or credit cards, you could be losing out on a great deal of revenue. Expanding the ability for your customers to purchase products can provide many tangible benefits. Yet, many small businesses are afraid to step into the credit/debit card processing arena. Many feel intimidated and… Continue reading The Advantages and Disadvantages of Accepting Credit Cards for Your Small Business

Terminology: Credit Card Processing

| September 29, 2017

Terminology - Credit Card Processing. We provide an easy to understand, visual guide to credit card processing terms, definitions and commonly used phrases

Below we list an overview of the most commonly used terms in the Merchant Services & Payment Processing Industry. This Credit Card Processing Terminology list is constantly updated so please check back often. If you initially do not find something you are looking for or would like to suggest an edit, feel free to contact… Continue reading Terminology: Credit Card Processing

All About Restaurant Merchant Accounts and Credit Card Processing

| June 21, 2016

Restaurant Merchant Accounts must include a credit card processing system that has the ability to accept tips, coupons, gift cards and more.

Restaurant Merchant Accounts are required for business owners in the food service industry. They would agree that accepting credit cards is crucial to their business success. The choices we have available to process credit cards for restaurant owners are endless. For most restaurant business owners, a credit card processing system must include the ability to… Continue reading All About Restaurant Merchant Accounts and Credit Card Processing

How the Address Verification System (AVS) Works

| April 4, 2016

When accepting card not present transactions the sponsoring bank & payment processor will scrub the info via the Address Verification System

The Address Verification System (AVS) is a system used by financial institutions, sponsoring banks, and payment processors to help prevent fraudulent credit and debit card purchases. When Card Not Present Transactions are processed through the payment gateway, the issuing bank will request the billing address of the cardholder. This information is typically stored on the… Continue reading How the Address Verification System (AVS) Works

What is a Holdback?

| August 18, 2015

The terms most often used when underwriting Higher Risk and Hard to Place Merchant Accounts is called a Holdback or Reserve - SecureGlobalPay

What is a Holdback and how to prevent it? Any business venture involves risk. While the nature of business itself tends to be connection and community, not all businesses are created equal. Hard-to-place merchants are at higher risk than others. Businesses deemed higher risk are noted for having certain features in common with their merchant… Continue reading What is a Holdback?

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.