The legality of passing credit card charges onto merchants’ customers has been a hotly disputed issue the past few years. As PayFrog sees this decade to a close, we would like to share a recent update to Florida’s transaction laws. Many industry resources have not yet updated their records to show the updated Florida surcharge […]

Statute 9-A, §8-509 means bad news for all of Maine’s great lobster restaurants. Because of it, businesses cannot impose a surcharge onto their customers in an attempt to avoid the cost of credit card processing. Maine’s credit card surcharging law is much lengthier than most surcharge bans like it. That is because of a recent […]

PayFrog continues to grow and expand, so our office space had to grow with us! We recently upgraded to a spacious office across town, to Briargate. Our location is still in Colorado Springs, at the heart of Colorado and at the center of the nation. You can now find us at 1755 Telstar Drive, in […]

As an eCommerce merchant, you are more susceptible to fraud. That’s why you should take as much free advice on protecting yourself as possible. We’ve given 4 insider, expert tips in a recent blog written for Eyemagine. All talented fraudsters know how to steal from your business, but not all businesses know how to fight […]

The long-time credit card processing company go-to, Square, has recently gone through a rate change. Their cost on card transactions was an attractive flat rate of 2.75%, with no additional fee. Square’s new fees of 2.6% per transaction + $0.10 is going to change how you read a payment processing statement quite a bit. The […]

The first step to following the 12 Payment Card Industry Data Security Standards (PCI DSS) is knowing them. They are categorized into 6 general requirements, with multiple sub-requirements. Build and Maintain a Secure Network and Systems 1. Install and maintain a firewall configuration to protect cardholder data 2. Do not use vendor-supplied defaults for system […]

There’s few things more frustrating for merchants than being told you run a “risky business”. Especially when your business practices are safe, it’s just your business type that invites suspicion. Merchants in the travel industry fall under the category of high risk most often because of their tendency to have more than average chargebacks. A […]

Don’t worry, cardholders and don’t get too excited, merchants. Credit card surcharging in Kansas is still banned. Kansas is one of 6 states where this is always the case. Read our Credit Card Surcharging Requirements List to discover if your state allows surcharges. We update it regularly, including changes to the states where surcharging is or […]

Some business owners would rather have a root canal than go through the process of opening a merchant account twice. Initially, it seems like an unnecessary step to take when the ownership changes hands. Although it may not be first on your list of things to do, applying for a new merchant account is necessary […]

Both merchants and card holders should know state laws when it comes to how they can use cards. Gift cards, in particular, hold a unique place in Colorado law.  Since 2010 there have been several restrictions specific to Colorado about how merchants can handle long-since issued gift cards. Our Colorado State statute 6-1-722 states that; […]