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Payment Processing 101 (Everything You Need To Know)

Do you feel like you’re trying to learn a different language? Are you missing opportunities to save money, create happy customers and streamline your business? Here at Durango Merchant Services, we understand your frustration! The payment processing world can be overwhelming. There’s A LOT to learn and understand! Learn about payment processing by browsing through some of our top rated blog posts.

With over 20 years in the payment processing industry, we specialize in providing creative payment solutions for low and high risk merchants. Whether you’re trying to get your account approved, improve your cancellation or hold trends, or simply get a better processing rate, we’re here to help!

Below we’ve highlighted some of our most frequently asked questions as blog posts. And YES, we wrote these posts in a language normal people speak. That means no over-your-head financial speak, or misleading processing jargon. We put the problem-solving power in YOUR hands.

As always, if you need help with a specific problem or answering a specific question…

1. Give us a call! Our specialized account mangers would love to help you solve any processing issues you may be having. This help and all of our quotes are ALWAYS FREE of charge!

2. Hit that big orange button below and we’ll contact you. Enter your phone or email and our customer service team will reach out in the next 48 hours!

 

U.S. vs. Europe: Why Payment Fraud Looks Different

Durango Merchant Services · Payment Risk Intelligence U.S. vs. Europe:Why Payment Fraud Looks Different Payment fraud does not hit every sale the same way. It ...
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Germany vs. the U.S.: Two Payment Markets, Two Different Fraud Playbooks

Merchant payment profile · Germany vs. United States Germany vs. the U.S.:Two Payment Markets, Two Different Merchant Playbooks Merchants in Germany and the United States ...
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Fraud in France and the U.S.: What Changes at Checkout

A merchant’s guide to France and the United States Fraud in France and the U.S.: What Changes at Checkout A customer taps a card. An ...
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Spain vs. the U.S.: What changes at checkout

A merchant’s guide to Spain and the United States Spain vs. the U.S.:What changes at checkout A new market can make a familiar checkout behave ...
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U.S. vs. UK Payments & Fraud: What Changes When You Cross the Atlantic

DMS MARKET EXPANSION RESEARCH · 2026 U.S. vs. UK Payments & Fraud: What Changes When You Cross the Atlantic If you are expanding from the ...
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States Are Moving to Ban Swipe Fees on Sales Tax. Here’s What That Means for Merchants.

Key Takeaways: MSB Payment Processing States are moving to ban swipe fees on sales tax (and sometimes tips)—starting with Illinois—because merchants pay fees on money ...
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Money Service Business Merchant Accounts

Understanding Money Services Businesses (MSBs): Merchant Accounts & Payment Processing with Durango Merchant Services

Key Takeaways: MSB Payment Processing Money Services Businesses (MSBs) are non-bank financial companies such as money transmitters and check cashers. MSBs must register with FinCEN ...
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high risk merchant account instant approval

Instant Approval High Risk Merchant Accounts

Key Takeaways: Instant Approval High Risk Merchant Accounts “Instant approval” in high-risk payment processing usually means fast underwriting, not no review PayFacs like Stripe and ...
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Navigating Visa’s Acquirer Monitoring Program: What Merchants Need to Know in 2025

Key Takeaways Visa’s new VAMP program merges fraud and dispute monitoring and uses a single ratio that can be inflated by double-counting. Stricter thresholds begin ...
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3D Secure 2.x vs Rapid Dispute Resolution

3D Secure vs. Rapid Dispute Resolution (RDR): Key Differences and Why Most Merchants Benefit from Both

When merchants talk about reducing chargebacks, two terms come up again and again: 3DS (3D Secure) and RDR (Rapid Dispute Resolution). We hear the same ...
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