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Accepting payments
How businesses get paid by card and bank: what it takes to start accepting cards, where every cent of the fee goes, how disputes work, and how to cut costs or change providers without losing a sale — answered by the team behind Anytime Capital Payments.
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Complete guide
How to accept credit card payments
How a small business accepts credit cards online, in person and by invoice: setup steps, what verification needs, what it costs, and how payouts work.
Every question in this topic
What is interchange?
Interchange is the fee a card issuer earns on each card payment. What sets the rate, and how it shows up in flat-rate and interchange-plus pricing.
What is a chargeback?
A chargeback is a card payment reversed by the customer's bank. How disputes work, common reasons, what they cost, and how to prevent and win them.
Payment gateway vs payment processor: what's the difference?
A gateway captures and sends card details; a processor moves the payment through the card networks. How both fit with acquirers and merchant accounts.
How to lower credit card processing fees
Cut card processing costs: compare all-in cost per sale, drop plans you don't need, move big invoices to ACH, reduce disputes, and know surcharge rules.
ACH vs credit card payments: which should your business accept?
ACH vs credit card payments for a business: what each costs, how fast money settles, chargeback vs return risk, and when to offer bank payments.
PCI compliance for small business
PCI DSS for small businesses in plain English: merchant levels, which questionnaire applies, why hosted checkout shrinks the work, and PCI fees.
How to switch payment processors
A step-by-step plan to switch payment processors: run both in parallel, move links and invoices first, handle saved cards, and update webhooks.
What is 3D Secure?
3D Secure explained: how the issuer confirms it's really your customer, frictionless vs challenge flows, the fraud liability shift, and when to require it.
What is a merchant account?
What a merchant account is, how it differs from a payment facilitator, underwriting, reserves and payout holds, the MATCH list, and when you need your own.
How to invoice a client
How to invoice a client: what every invoice needs, payment terms like Net 30, deposits, partial payments, reminders, late fees, and getting paid faster.
How long do credit card payments take to settle?
How long card payments take to reach your bank: authorization, batching, settlement and payouts, provider payout schedules, weekends, and late payouts.