Lucien Chester

Chargeback records and processor migration workflow illustration

Merchant Pricing September 2, 2026 40 min read

What Happens to Chargebacks After You Switch Payment Processors? Records, Deadlines, and Old-Account Access

Switching processors stops future transactions from flowing through the old account, but it does not erase the transaction history attached to that account. A customer may dispute a purchase weeks or months...

Payment processor switch planning around batches, deposits, refunds, and disputes

Merchant Pricing September 2, 2026 32 min read

How to Time a Payment Processor Switch Around Open Batches, Deposits, Refunds, and Disputes

A processor switch can appear successful because the first transaction works on the new terminal, yet the merchant may still have an open batch at the old processor, a pending ACH deposit,...

March 26, 2026 11 min read

How to Read a Merchant Statement Line by Line and Catch Hidden Charges Early

Every business that accepts credit cards receives a merchant statement every month. Most business owners only check how much money was deposited into their bank account and ignore the rest of the...

Merchant Services September 14, 2025 11 min read

What Interchange-Plus Pricing Really Means (and How to Negotiate It)

A few topics cause as much confusion for merchants navigating the credit card processing industry as pricing models. Interchange-plus is now seen as one of the most talked-about—and misinterpreted—structures among the many...

Payment Processing July 17, 2025 8 min read

Why Transparent Pricing in Merchant Services Matters for Long-Term Growth

Merchant services are a requirement for any business that lets customers to pay using their credit or debit card, digital wallet, or directly online. It is payment processors that enable secure and...