The Fojo Brief

The number one reason businesses keep overpaying for processing isn’t loyalty — it’s fear that switching will break something. It rarely does, if you plan it. Here’s the practical playbook for changing processors cleanly, from reading your contract’s fine print to timing the cutover.

People assume you need a payments background to succeed in merchant services. You don’t — and some of the best people in this business came from something else entirely. Here are the skills from other careers that transfer directly, and why the industry knowledge is the easy part to learn.

Card fees eat into every sale, and more owners are choosing to pass some of that cost to customers who pay by card. There are three ways to do it — surcharging, cash discounting, and dual pricing — and they’re not interchangeable. Here’s how each works, and the compliance rules you can’t afford to ignore