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.

PCI compliance sounds like a bureaucratic maze, and processors don’t help by charging vague “compliance fees” without explaining them. For most small merchants, though, the real obligations are manageable once someone explains them plainly. Here’s what you actually have to do, and why it protects you.

A chargeback isn’t a refund — it’s your customer going over your head to their bank to reverse a payment, and it can cost you far more than the sale itself. Here’s how the process actually works, why “friendly fraud” is a growing problem, and the concrete steps that protect your business.