by Gwyn Johnson | Oct 22, 2026 | General Merchant Processing, Industry Trends, Marketing
On April 28th, 2026, Maryland Governor Wes Moore signed HB 895, making Maryland the first state to ban surveillance pricing on food products. Effective October 1st, 2026, it prohibits food retailers and third-party delivery services from using personal customer data... 
by Gwyn Johnson | Sep 10, 2026 | General Merchant Processing, Industry Trends, Marketing
If you’ve noticed your payment processor suddenly offering a lot more than card processing, you’re not imagining things. Across the industry, card-issuing platforms that were once built to do one thing, process card transactions, are rapidly expanding into... by Gwyn Johnson | Jul 27, 2026 | General Merchant Processing, Industry Trends, Marketing
If your team is forecasting merchant volume, predicting chargeback risk, or building any kind of model to guide portfolio decisions, there’s one diagnostic that matters more than almost any summary statistic you’ll pull: the residual. It’s simple,... 
by Gwyn Johnson | Jun 11, 2026 | General Merchant Processing, Industry Trends, Marketing
Small fees can create big questions. TPE and Data Integrity fees are not always front and center in the payments industry, but they do come up from time to time. When they do, it helps to know what they are, why they happen, and how to prevent them before they become... by Gwyn Johnson | May 4, 2026 | General Merchant Processing, Industry Trends, Marketing
Merchant retention is not only tested when rates change or equipment fails. It is tested in the moments when a merchant feels uncertain. That uncertainty often shows up when Underwriting asks for additional paperwork, Risk requests follow-up documentation, or... 
by Gwyn Johnson | Apr 9, 2026 | General Merchant Processing, Industry Trends, Marketing
Most payment systems today are built to move transactions quickly. However, many are not designed to optimize approvals, reduce lifecycle friction, or support long-term flexibility. This gap often shows up in subtle ways, such as failed recurring payments, higher... 
