Card Processing, Explained
How fees, approvals and disputes actually work, and how to get paid faster. Written for the people who run the money in a business: owners, controllers, office managers and the ISOs who support them. No jargon without a definition, and no claims we cannot back up.
Fees and how card processing works
What you pay, who gets it, and how to check it.
Reading your merchant statement
Interchange, assessments and markup explained line by line, with a worked example and a checklist of fees to challenge.
Approvals, declines and disputes
Why cards fail, what to retry, and how to keep the money you collect.
Decline codes explained
What each response code means, which are hard and which are soft, when to retry, and the network limits on reattempts.
CIT vs MIT: why it matters
Customer-initiated and merchant-initiated transactions, and why the distinction changes approval rates.
Getting paid
Invoices, reminders and payment links that actually get opened and paid.
Invoice email design
Table-based layout that survives Outlook and Gmail, dark mode, deliverability, a bulletproof pay button, and a copy-paste template.
SMS consent and opt-in policy
The consent script and checkbox language FloPay uses before sending a payment link by text.
Payments for your industry
How the same platform is set up for specific businesses.
Want a second pair of eyes on your statement?
Send us a recent statement and we will tell you what the fees are and which ones are negotiable. No obligation.
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