How Heartland Payments Uses Scare Tactics to Justify Overcharging Merchants

Is Heartland using scare tactics to justify overcharging you? If you’re like most Heartland customers, you have a pretty substantial bill for credit card processing. Maybe y...

Merchant Services Interchange Fees, Part 2

Interchange Reimbursement Rates and Credit Card Processing Pricing Explained, Part 2 Finally there is Interchange Plus pricing, which is exclusively how we quote at Host Me...

The Durbin Amendment Part 2

What is the Actual Impact For Merchants? While the law went into effect in October of 2011, there still is quite a lot of speculation on how these regulations will impact merch...

Partial Payment Authorization Now in Effect, Part 2

What does this mean for the merchant? Merchants will need to pay close attention to the authorization message and receipts being returned at the point of sale. In cases w...

Voice Authorization Fee

Voice Authorization is a security measure used by the credit card industry to ensure that a particular purchase is being authorized by the actual card holding customer. Voice...

Chargeback Fee

In the case of a chargeback, a customer disputes a certain charge on their credit card and the merchant must prove that the charge is valid. That is known as a retrieval request. ...

Retrieval Fee

A retrieval fee is charged when a customer or the customer’s issuing bank requests a copy of a sales draft in order to verify a transaction. This is called a retrieval request, ...

Annual Administrative Fee

Accepting cards has hidden costs. A $24 annual administrative fee can be your clue. It points to two parts of pricing: wholesale (interchange + assessments, non-negotiable) and ma...

Batch Close Fee

Payment processors charge a fee each time a terminal with transactions is settled, or batched out. This fee varies from processor to processor, Host Merchant Services charges me...

Category: Payment Processing