Author Profile

Marcus Jennings

Administrator

165 Articles Published

2024 Joined Year

1 Current Page

About the Author

Marcus Jennings is a merchant services specialist, financial technology writer, and business payments researcher with extensive experience covering payment processing solutions for businesses of all sizes. He is passionate about helping merchants understand complex payment technologies and identify practical strategies to improve efficiency, reduce costs, and drive growth.

His expertise includes credit card processing, merchant accounts, payment gateways, point-of-sale systems, fraud prevention, chargeback management, and emerging fintech innovations. Through thorough research and industry analysis, Marcus develops informative content that simplifies complicated financial topics and provides actionable guidance for business owners.

Contact Info

Email [email protected]

Author Snapshot

165 published posts
Member since 2024
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Latest Writing

Recent posts by Marcus Jennings

Total published articles: 165

4 Pages

Duplicate credit card charge merchant investigating two card transactions before correcting double billing

Merchant Services October 7, 2026 19 min read

Duplicate Charges on Customer Cards: Timeout Retries, Batch Reruns, and How to Fix Double Billing Without Triggering Disputes

When a customer reports a duplicate charge, a duplicate credit card charge merchant investigation should start by comparing both transaction records. Confirm whether each entry is authorized, captured, settled, reversed, voided, or...

Visa Account Updater for merchants workflow showing reissued card credentials updated before recurring billing

Merchant Services October 7, 2026 21 min read

Visa Account Updater and Mastercard ABU: Keeping Card-on-File Billing Alive When Cards Expire or Get Reissued | Visa Account Updater for Merchants

Visa Account Updater for merchants and Mastercard ABU help keep legitimate recurring payments working when stored cards expire, are replaced, or are reissued. Participating issuers provide credential changes or account-status information through...

Virtual card payments through AP automation platforms

B2B & International August 25, 2026 40 min read

Accepting Virtual Cards From AP Automation Platforms: Single-Use Numbers, Keyed-Entry Costs, and Negotiating Rebates

A customer that once paid your invoices by ACH or check may eventually announce that future payments will arrive as a one-time virtual card number generated through an accounts-payable automation platform. For...

Strong Customer Authentication for UK and EU online payments

B2B & International August 25, 2026 38 min read

Strong Customer Authentication for Sales Into the UK and EU: Exemptions, Soft Declines, and Recovering Failed Authorizations

A checkout may work perfectly for domestic buyers yet fail when a card issued in the UK or European Economic Area is used. The authorization may be declined not because the card...

Merchant reviewing payment analytics dashboard with POS terminal, charts, and digital payment insights

Financial Technology (FinTech) July 3, 2026 45 min read

Payment Analytics Explained for Merchants

Payment analytics for merchants is the practice of turning everyday payment activity into useful business insight. Every card payment, digital wallet transaction, online checkout, invoice payment, subscription charge, refund, chargeback, failed payment,...

Online checkout optimization illustration showing secure payment, mobile checkout, shopping cart, and user-friendly checkout process

Payment Facilitation July 3, 2026 47 min read

Online Checkout Optimization Tips

Online checkout optimization tips matter because checkout is where customer interest turns into revenue, or disappears before the order is complete. A shopper may like the product, accept the price, and add...

Illustration of long-term digital payment strategy with secure checkout, analytics, mobile payments, and business growth icons

Payment Processing July 3, 2026 40 min read

Long-Term Digital Payment Strategies for Businesses

Digital payments are now part of daily business operations, not just a checkout feature. Customers expect fast online checkout, mobile payments, contactless payments, clear receipts, secure digital payments, easy refunds, and flexible...

Payment gateway fees explained with online checkout, card payments, coins, calculator, and secure digital transaction icons

Payment Gateway July 3, 2026 49 min read

Payment Gateway Fees Explained

Payment gateway fees are an important part of accepting online payments, invoice payments, mobile payments, subscription payments, and other digital transactions. For many businesses, these costs look small on a single sale,...

Cloud-based payment gateway connecting online stores, mobile payments, POS terminals, digital wallets, and secure cloud transaction processing

Payment Gateway July 3, 2026 52 min read

Cloud-Based Payment Gateways Explained

Cloud-based payment gateways are now a core part of how businesses accept payments online, through mobile checkout, through invoices, through payment links, and across connected sales channels. Whether a customer is buying...

Business owner reviewing secure online payments with shields, locks, biometric verification, and ecommerce security icons

Payment Security June 1, 2026 42 min read

Online Payment Security Best Practices: A Practical Guide for Businesses

Online payment security is no longer just a technical concern for IT teams. It is a business-critical discipline that affects revenue, customer trust, brand reputation, compliance, and daily operations. Whether you sell...

Cross-border payment processing and global money transfer illustration

Payment Processing June 1, 2026 33 min read

Cross-Border Payment Processing Explained: A Practical Guide for Businesses

Cross-border payment processing is the system that allows a business to accept money from customers, clients, or partners located in another country or using another currency. It can involve credit cards, debit...

ACH Payments vs credit card payment comparison

ACH Payment June 1, 2026 38 min read

ACH Payments vs Credit Card Payments: Which Option Is Better for Your Business?

Choosing between ACH payments and credit card payments is not just a finance decision. It affects cash flow, customer experience, transaction fees, failed payments, payment disputes, fraud exposure, accounting workflows, and how...

Merchant account approval requirements illustration

Merchant Account June 1, 2026 43 min read

Merchant Account Approval Requirements: What Businesses Need to Know

Getting approved for a merchant account is one of the most important steps a business takes before accepting credit cards, debit cards, online payments, keyed payments, mobile payments, or point-of-sale transactions. For...

Common merchant service mistakes illustration

Merchant Services June 1, 2026 31 min read

Common Merchant Service Mistakes to Avoid

Merchant services can quietly shape the financial health of a business. Every card sale, online payment, refund, recurring charge, and customer dispute flows through a payment setup that either supports your operations...

Merchant service agreement signing illustration

Merchant Services June 1, 2026 38 min read

Merchant Service Agreements Explained: What Businesses Should Know Before Signing

A merchant service agreement is one of the most important documents a business signs when it decides to accept card payments, debit card payments, online payments, keyed transactions, mobile payments, or other...

Payment processing fees guide

Fees June 1, 2026 34 min read

Understanding Payment Processing Fees: A Practical Guide for Businesses

Payment processing fees are one of those business costs that can look small at first but become significant as sales volume grows. A few percentage points on each card sale may not...

Business professionals exchanging payments using ACH transfer, e-invoicing, and wire transfer methods to avoid credit card fees in B2B transactions, with financial icons and digital payment visuals in the background

Fees March 21, 2026 31 min read

How to Avoid Credit Card Fees in B2B Payments

Controlling payment costs is not a back-office detail in B2B. It affects profit margins, pricing strategy, customer relationships, and cash flow. When invoice values are high, even a small percentage in card...

Illustration of credit card security with CVV verification and address verification system checks preventing online payment fraud

Payment Security March 21, 2026 28 min read

How to Use CVV and AVS Checks to Reduce Fraud

Every business that accepts online, phone, or manually keyed card payments faces the same problem: a card number can be stolen in seconds, but the cost of fraud can linger for months. ...

Merchant Identification Number (MID) illustration showing payment processing system, POS terminal, credit cards, online store, and secure transaction icons

Credit Card Processing March 20, 2026 36 min read

What Is a Merchant Identification Number (MID)?

If you run a business that accepts card payments, online payments, keyed transactions, recurring billing, or point-of-sale payments, you will eventually come across the term Merchant Identification Number (MID). It may appear...

Visual representation of retail, online, and MOTO merchant accounts featuring in-store POS payments, e-commerce transactions, and phone-based payment processing with financial icons and business tools

Credit Card Processing March 20, 2026 33 min read

Understanding Different Types of Merchant Accounts: How to Choose the Right Payment Setup for Your Business

Choosing how your business accepts payments is not a small decision. The right setup can help you get approved faster, reduce payment friction, support growth, and lower avoidable risk. The wrong one...

Illustration comparing merchant account and payment service provider with bank, storefront, and cloud-based payment processing systems

Credit Card Processing March 20, 2026 34 min read

Merchant Account vs. Payment Service Provider (PSP): What’s the Difference?

Choosing how your business accepts payments can shape cash flow, customer experience, risk exposure, and long-term growth. That is why the question of Merchant Account vs Payment Service Provider matters so much....

chargeback representment Playbook

March 14, 2026 10 min read

How to Create a Chargeback Representment Playbook That Improves Win Rates

Even though chargebacks are an inevitable aspect of accepting credit card transactions, it is not always the case that the end result is a loss for the merchant. Chargeback representment is the process by...

PCI DSS Requirements Overview (v4.0.1): The Practical, Updated Guide to Protect Cardholder Data

PCI Compliance February 3, 2026 23 min read

PCI DSS Requirements Overview (v4.0.1): The Practical, Updated Guide to Protect Cardholder Data

Payment security is no longer a “once-a-year audit” problem. It’s an always-on risk management discipline—because attackers don’t wait for assessment season, and customers don’t forgive preventable data exposure. That is exactly why...

Payment Gateway Security Features: The Complete, Updated Guide to Safer Online Payments

Payment Gateway February 3, 2026 24 min read

Payment Gateway Security Features: The Complete, Updated Guide to Safer Online Payments

Online commerce runs on trust. The moment a customer enters card details, logs into a wallet, or approves a bank transfer, your checkout becomes a target. That is why payment gateway security...

Payment Processing Integration With QuickBooks

Payment Processing February 3, 2026 32 min read

Payment Processing Integration With QuickBooks (2026 Best Guide)

Payment processing integration with QuickBooks is the fastest way to turn sales activity into clean books—without the daily scramble of downloading reports, fixing deposit mismatches, or guessing which fees belong to which...

Payment Technology Trends for Small Businesses

Payment Processing February 3, 2026 28 min read

Payment Technology Trends for Small Businesses

Running a small business has always meant balancing speed, cost, and trust. But in the last few years, payments have turned into a competitive advantage, not just a necessary expense. The biggest...

Building a Long-Term Payments Strategy

Small Business and Entrepreneurs February 3, 2026 29 min read

Building a Long-Term Payments Strategy

A long-term payment strategy is no longer “set it and forget it.” Payment methods, fraud patterns, customer expectations, and compliance requirements change every year—and sometimes every quarter. The businesses that win are...

switching payment providers

ACH Payment August 22, 2025 9 min read

Step-by-Step: Switching Payment Providers Without Disrupting Sales

Switching payment providers is a strategic choice that can have a big impact on a company’s future; it’s not just a technical one. Payment processing is central to cash flow, customer interactions,...

Cash App Alternatives

ACH July 3, 2025 8 min read

Top Cash App Alternatives for Business and How to Pick the Best

Cash App has broken into the mainstream in peer-to-peer payments, known for its simplicity and speed. It’s a popular early-stage go-to option for countless small businesses, given the ease of setup, lack...

Batch Transactions

Banking April 7, 2025 9 min read

Batch Transactions Explained: What They Are and How They Work

Batch transactions play a key role in payment processing as they allow businesses to handle multiple payments in bulk. Batch transactions, instead of processing each payment immediately, collect payments to be processed at...

How to Set Up a Credit Card Terminal

April 3, 2025 13 min read

How to Set Up a Credit Card Terminal

In today’s digital age, credit card terminals have become an essential tool for businesses of all sizes. These devices allow merchants to accept credit and debit card payments, providing convenience and flexibility...

Portable Credit Card Terminals

Payment Terminal April 3, 2025 8 min read

Portable Credit Card Terminals: Everything You Need to Know

In today’s fast-paced world, convenience and efficiency are key factors in running a successful business. One aspect that plays a crucial role in achieving these goals is the ability to accept credit...

How to Select the Best Payment Terminal for Your Business

April 3, 2025 16 min read

How to Select the Best Payment Terminal for Your Business

In today’s digital age, having a reliable and efficient payment terminal is crucial for any business. Whether you run a small retail store or a large restaurant chain, the payment terminal you...

What is a Payment Service Provider (PSP)

Payment Processing April 3, 2025 10 min read

What is a Payment Service Provider (PSP) and How Do They Work?

In today’s digital age, online payments have become an integral part of our daily lives. Whether it’s purchasing goods and services or transferring money to friends and family, the convenience of online...

How to Select the Best Credit Card Machine for Your Business

Credit Card Machine April 3, 2025 16 min read

How to Select the Best Credit Card Machine for Your Business

In today’s digital age, accepting credit card payments is essential for businesses of all sizes. Whether you run a small retail store or a large e-commerce platform, having a reliable and efficient...

How to Find the Right Credit Card Terminal for Your Business

Payment Terminal April 3, 2025 9 min read

How to Find the Right Credit Card Terminal for Your Business

In today’s digital age, accepting credit card payments is essential for businesses of all sizes. To facilitate these transactions, businesses need a reliable and efficient credit card terminal. However, with a wide...

Card-Not-Present (CNP) Transactions Explained

CNP Transaction April 3, 2025 10 min read

Card-Not-Present (CNP) Transactions Explained

In today’s digital age, the way we make payments has evolved significantly. With the rise of e-commerce and the convenience of online shopping, card-not-present (CNP) transactions have become increasingly prevalent. CNP transactions...

What are Card-Present Transactions?

Card-Present Transaction April 3, 2025 12 min read

What are Card-Present Transactions?

In today’s digital age, the way we make payments has evolved significantly. One of the most common methods of payment is through card transactions, which can be categorized into two types: card-present...

Credit Card Processing Outages: Why They Happen and What You Can Do

Credit Card Processing April 3, 2025 12 min read

Credit Card Processing Outages: Why They Happen and What You Can Do

In today’s digital age, credit card processing has become an integral part of conducting business transactions. However, like any technology, credit card processing systems are not immune to occasional outages. These outages...

What is Recurring Payment Processing

Payment Processing April 3, 2025 11 min read

What is Recurring Payment Processing: A Complete Guide for Businesses

In today’s digital age, businesses are constantly seeking ways to streamline their operations and improve customer experience. One such solution that has gained significant popularity is recurring payment processing. Recurring payment processing...

What is an EFT Payment

Payment Processing April 3, 2025 12 min read

What is an EFT Payment? A Complete Guide

In today’s digital age, electronic funds transfer (EFT) payments have become an integral part of our daily lives. Whether you’re paying bills, making online purchases, or receiving your salary, chances are you’ve...

Secure Payment Processing Systems

Payment Processing April 3, 2025 11 min read

Secure Payment Processing Systems: A Complete Guide

In today’s digital age, secure payment processing systems have become an essential component of any business that accepts online payments. With the increasing prevalence of cyber threats and data breaches, it is...

Merchant Services Class Action Lawsuit

Small Business and Entrepreneurs February 4, 2025 11 min read

Merchant Services Class Action Lawsuit

In today’s digital age, businesses rely heavily on merchant services to facilitate their financial transactions. These services, provided by banks and payment processors, play a crucial role in ensuring smooth and secure...

How to Sell Handmade Goods Online

Business February 4, 2025 11 min read

How to Sell Handmade Goods Online

In today’s digital age, selling handmade goods online has become a lucrative opportunity for artisans and crafters. With the rise of e-commerce platforms and the increasing demand for unique and personalized products,...

How to Start an Online Clothing Store

Business February 4, 2025 10 min read

How to Start an Online Clothing Store

Starting an online clothing store can be an exciting and profitable venture. With the rise of e-commerce and the increasing popularity of online shopping, the demand for online clothing stores has never...

What Is FIFO in Accounting?

Small Business and Entrepreneurs February 4, 2025 9 min read

What Is FIFO in Accounting?

In the world of accounting, there are various methods used to value inventory and calculate the cost of goods sold (COGS). One such method is FIFO, which stands for First-In, First-Out. FIFO...

4 Levels of PCI Compliance

PCI Compliance February 4, 2025 9 min read

4 Levels of PCI Compliance: A Complete Guide

In today’s digital age, where online transactions have become the norm, ensuring the security of sensitive payment card information is of utmost importance. This is where PCI compliance comes into play. PCI...

Velocity Checks and Fraud Prevention

Chargebacks February 4, 2025 10 min read

Velocity Checks and Fraud Prevention

In today’s digital age, where online transactions have become the norm, the risk of fraud has also increased significantly. Fraudsters are constantly finding new ways to exploit vulnerabilities in payment systems and...

How Chargeback Insurance Can Benefit You As A Merchant

Chargebacks February 4, 2025 10 min read

How Chargeback Insurance Can Benefit You As A Merchant

As a merchant, chargebacks can be a significant concern for your business. Chargebacks occur when a customer disputes a transaction and requests a refund from their bank or credit card company. These...

What is Chargeback Representment

Chargebacks February 4, 2025 9 min read

What is Chargeback Representment

Chargeback representment is a crucial process for businesses that accept credit card payments. It involves disputing chargebacks, which are initiated by customers who believe they have been wrongfully charged or have not...

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