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; […]

Every year payment processors like PayJunction are required to renew their EMV certifications. These certifications allow merchant service providers to safely process transactions for their clients. Recently, PayJunction renewed and with the refresh came a new feature for the SmartTerminal. It can now accept chip and PIN transactions for customers whose card issuing bank prefers […]

If you have thought that payment processing fees are unfairly high lately, there’s a court settlement proving you right. Visa and MasterCard have been caught colluding together to unjustly raise payment processing interchange fees. Acting as monopolies, these two payment processing powerhouses are now involved in a class action lawsuit that is set to come […]

In the beginning of April, two PayFroggers had the pleasure of attending SearchCon 2019 in Breckenridge, Colorado. We’d like to share some helpful tips, tricks, and best practices we learned in hopes you’ll join us next year! What are Fraggles and Why are They Important to Google? Cindy Krum with MobileMoxie spoke about a snippet […]

What is the next step you can take for your business? It’s attending the 808 Digital Summit. Joseph Gallucci, co-owner and CEO of PayFrog was invited by Bob Clark to be one of 20 business experts sharing actionable advice in Clark’s digital summit May 13th-17th. We know Bob because PayFrog was featured on the 808 podcast he […]

We don’t blame Connecticut based business owners for not knowing the credit card surcharging restrictions. In fact, we don’t blame you at all! Instead, we’d like to educate you. It is illegal to surcharge a customer for using a credit card. We have spoken to many business owners lately who have been urged to surcharge […]