Knowledge Base
Clarity for Confident Decisions
Explore Our Payment Processing Guides
Upstate Merchant Advocates provides expert resources to help you choose the best payment processing strategies for your business. Browse our guides below to learn about different models, their benefits, and how they can save you money while keeping your customers happy.
| Guide | Description | Learn More |
|---|---|---|
| Payment Processing Options | A quick overview of four payment processing models (Interchange Plus, True Cash Discount, Dual Pricing, Surcharging) to help you choose the right option. | Read More |
| Cash Discount vs. Surcharging | Understand the differences between cash discounting and surcharging, including customer perception, legality, and implementation requirements. | Read More |
| Cash Discount Methods | Explore various cash discount strategies, such as True Cash Discount and Dual Pricing, to encourage cash payments and reduce processing fees. | Read More |
| Compliant Surcharging | Learn how to implement surcharging programs that comply with card brand rules and state laws to pass credit card fees to customers. | Read More |
| Interchange Plus Pricing | Learn about the transparent Interchange Plus pricing model and how it saves money compared to tiered pricing, especially for debit card transactions. | Read More |
| B2B Savings | Discover how the PayBright Gateway optimizes B2B payments with Level 2 and Level 3 Interchange, reducing fees and enhancing transaction efficiency. | Read More |
| Why Is a Social Security Number Required for a Merchant Account? | Understand why merchant account providers require a Social Security Number, including compliance with federal regulations and risk assessment processes. | Read More |
Why Choose Upstate Merchant Advocates?
At Upstate Merchant Advocates, we simplify payment processing by offering clear, expert guidance tailored to your business needs. Our resources and services help you:
- Understand complex payment processing models with easy-to-read guides.
- Implement cost-saving strategies like cash discounting or Interchange Plus pricing.
- Ensure compliance with Visa, Mastercard, and state regulations.
- Access customized POS solutions and clear signage for a seamless customer experience.
Contact us today to find the perfect payment processing solution for your business!
Get Started with Upstate Merchant Advocates