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How to Surcharge Credit Card Purchases the Right Way
Stephanie O'Connor
Director of Operations & Merchant Experience
Surcharging is a practice that some merchants use to pass along credit card processing fees to their customers who pay by credit card. Depending on the merchant’s business, it can be an effective way of offsetting processing costs but there are specific rules that accompany all surcharging programs.
Merchant Payments
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Embedded Payments Only Work If the Merchant Experience Works
Stephanie O'Connor
Director of Operations & Merchant Experience
In Brief: Embedded payments are often positioned as a seamless upgrade that adds efficiency and convenience for merchants. In actuality, the real test is how the merchant experience performs day to day. When reporting is hard to find, pricing is unclear, or support falls short, the value of the integration...
Embedded Payments
How to Prepare Integrated Payments for Agentic Commerce
Pete Uselman
Director of Partner Experience
Existing payment rails were designed around a specific set of assumptions about how transactions happen: a person opens a checkout, decides to buy, enters or confirms payment credentials, and submits. Authentication systems challenge the credentials presented on behalf of an identity. Liability frameworks assign responsibility based on that person’s demonstrated...
Embedded Payments
The Real Cost of Staying: What ISVs Lose by Not Replacing Outdated Payment Integrations
Pete Uselman
Director of Partner Experience
The economics of payment provider partnerships tend to drift in one direction. Pricing that was competitive at signing can become outdated, and the feature gap between what a platform currently offers its merchants and what the market now makes available quietly, without a triggering event to force the comparison. Without...
Embedded Payments
Ten Things that Impact Your Interchange Rate and What You Can Do About Them
Stephanie O'Connor
Director of Operations & Merchant Experience
Interchange fees represent approximately 80 percent of the charges a business pays to process credit and debit card transactions. These fees are set by the card brands: Visa, Mastercard, Discover, and American Express and, unless your business is processing billions of dollars each year, interchange rates are non-negotiable. While you...
Merchant Payments
The Healthcare Payments Gap: What Practices Need and What Software Providers Can Deliver
Stephanie O'Connor
Director of Operations & Merchant Experience
Healthcare sits at an unusual intersection in the payments landscape. The clinical side of a medical practice runs on the precision of diagnoses coded, treatments documented, and outcomes tracked. The financial side often runs on something less reliable: a bill sent weeks after the visit, a card on file that...
Embedded Payments
Are You Losing Customers at Checkout? The Impact of Payment Experience on Sales
Stephanie O'Connor
Director of Operations & Merchant Experience
In digital commerce, the final conversion of a sale depends on one defining moment: checkout. It is where interest becomes revenue or vanishes. When customers enter the checkout process, their mindset is already near commitment. Any unexpected friction—whether slow load time, confusing fields, limited payment methods, or weak trust signals—can...
Embedded Payments
Merchant Payments