Andrea Herrera

EMV is a global standard for secure payment transactions involving the use of smart cards, also known as chip cards, that contain an embedded microprocessor chip. Instead of relying solely on magnetic stripes, EMV cards generate a unique transaction code for each purchase—this enhances security by making it more difficult for fraudsters to replicate card…

Meta Pay is an in-app mobile payment service owned by social media company Meta. It allows users on Facebook, Instagram, and WhatsApp to send and accept money within the app. Businesses may also add a Meta Pay button on their websites so customers can conduct seamless transactions without leaving the website. Using Meta Pay will…

Credit card payment processing involves borrowing funds from a credit line, while debit card processing entails direct access to the user’s bank account, with transactions instantly deducted from available funds. Businesses that accept card payments often accept both credit cards and debit cards. However, debit cards are considered less risky, so financial institutions charge lower…

Square is a payments, point-of-sale (POS), and business management tool for small businesses. It has no contracts, minimum requirements, or upfront costs for its software or payment processing tools. The basic software is free, and you have the option for monthly billed upgrades. Square deducts a flat fee on successful payment transactions, and you get…

Both Stripe and PayPal are excellent online payment processors. We like Stripe for international sales, B2B businesses, and larger companies. PayPal is great for small businesses, solopreneurs, and as an additional payment method to any website or online store. They both made our list of the best online payment and credit card processors. Stripe took…

The US Federal Trade Commission (FTC) recently proposed an update to the Negative Option Rule, mandating businesses to offer a straightforward cancellation process, potentially featuring a “Click to Cancel” button for customers with recurring billing or subscriptions. Upon implementation, businesses providing recurring products or services could incur penalties for non-compliance with the rule. The “Click…

A payment gateway and a payment processor are two elements needed to safely and securely process payments. The payment gateway collects, verifies, encrypts, and transmits the information to the payment processor, while the processor facilitates the actual transaction by working with the card network and relevant banks. Learning the difference between a payment gateway and…

Adyen and Stripe are popular international payment processors with ecommerce tools, strong integrations, and in-person card terminals. Stripe, however, has more extensive integration options, better rates for non-credit card payment methods, and a slightly larger international reach. Meanwhile, Adyen offers independent merchant accounts for better stability, interchange-plus pricing for credit cards, and a more unified…

Square and PayPal are popular tools for accepting payments and work well for most small businesses. Both can serve as merchant services providers and point-of-sale (POS) and ecommerce platforms. The primary difference lies in what they do best. While both offer free POS systems, Square’s is more feature-rich and has add-on software to grow with…

Buy now, pay later (BNPL) apps allow customers to pay for items in four or more installments while you, the merchant, is paid in full right away. This article lists the six best buy now, pay later apps for small business that retailers can use to offer BNPL financing, which can increase average order value…

When comparing Payanywhere vs Square, they may appear interchangeable because they both offer a free card reader, an app with point-of-sale (POS) tools, and the credit card processing fees are similar: Payanywhere charges 2.69% per transaction; Square, 2.6% plus 10 cents per transaction. However, Square gets better reviews, offers better software, and generally provides a…

Braintree is a PayPal-owned payment processor that specializes in online payments and offers complementary PayPal tools for in-person transactions. Notable features include top-notch security with level 1 PCI compliance, international payment processing, and developer tools, including a commitment-free sandbox. It is a popular solution for ecommerce businesses. In particular, we recommend getting a merchant account…