Charge Card vs. Credit Card: What's the Difference? The terms “charge card” and “credit card” are often used interchangeably, but they are not the same. This is a common mistake, as both charge cards and credit cards are used to make purchases and they look nearly...
How to Find Your Merchant ID in PayPal If you’re using PayPal to sell goods and services or collect payments for your business, some instances may arise when you need to locate your PayPal merchant ID. This guide will explain everything you need to know about...
How Long Do You Have to Dispute a Credit Card Charge? The Quick Answer: Under US federal law, consumers can legally dispute a credit card charge within 60 days of the statement date. But each credit card network has its own dispute rules, allowing cardholders to...
11 Valid Reasons to Dispute a Credit Card Charge When an unrecognized charge appears on a credit card statement, cardholders have the right to dispute it. But distinguishing between valid reasons and invalid reasons for disputes isn’t always clear—which is why we...
What is an Issuing Bank? The Quick Answer: An issuing bank is a financial institution that issues credit or debit cards to consumers. Also known as an “issuer” or “card issuing bank,” these organizations distribute cards on behalf of credit card companies—acting as...
Fullsteam Payments Rate Increases and Updates (2025) Fullsteam Payments regularly updates its rates and fees for merchants. In an effort to keep pace with these constant changes, we created this guide to provide our readers with these updates whenever they’re...
12 Ways to Accept Online Payments in 2025 Getting paid online isn’t as difficult today as it was in the past. In fact, it’s pretty straightforward and easy for anyone to figure out. But deciding how you’re going to get paid online is another story. What types of...
Payment Processing Industry News - February 2024 For a short month, February has still been buzzing with news and updates in the payment processing world. From new fees and rate increases to expansions, new technology, and partnerships, here’s a summary of the...
Merchant Discount Rate Explained If you’ve spent any time shopping around for a payment processing solution, then you’ve likely seen the term “merchant discount rate” thrown around in your search—either by a sales rep or on the provider’s website. Some of you may...
Visa Surcharging Rules Businesses accepting Visa cards pay a fee for each transaction. To offset those costs, some merchants impose a surcharge—which passes the processing fees to the customer. Sounds simple, right? Not so fast. Visa has its own surcharging rules....
