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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!

 

Visa Integrity Risk Program (VIRP) & High Risk Processing

Table of Contents 1 | From “Brand-Risk” to “Integrity-Risk” Visa’s first attempt to police problematic commerce was a checklist called the High-Brand-Risk Program. In 2022 the network ...
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Forbidden Formulas: Nutraceutical, Peptide & Wellness Ingredients Payment Processors Won’t Touch

Table of Contents 1 | The Boom—and the Brick Wall The global market for dietary supplements, cosmetic injectables, “research” peptides and bio-hacking powders has sprinted ...
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The FTC’s “Click-to-Cancel” Rule for Subscriptions

Table of Contents   The FTC’s New “Click-to-Cancel” Rule One chargeback caused havoc that a smooth cancellation could have prevented. Consider the story of Lisa, ...
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Dual Pricing for Ecommerce Payment Processing

Table of Contents   Tap to Pay – Accept Payments Anywhere, Anytime At Durango Merchant Services, we help online merchants to reduce or even eliminate ...
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Durango Pay Gateway’s Tap to Pay

Table of Contents   Tap to Pay – Accept Payments Anywhere, Anytime In a world increasingly defined by convenience, customers expect quick, secure, and easy ...
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ACH Return Codes: What They Mean and What to Do About Them

Table of Contents If your business sends or receives payments through ACH transfers, you’ve probably seen an ACH return code pop up now and then. ...
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Top 10 Best Ecommerce Shopping Carts for Small Businesses in 2025

Table of Contents   Why Your Shopping Cart Matters your shopping cart isn’t just a checkout tool—it’s the backbone of your entire business operation. For ...
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Encryption and Tokenization in Payment Processing

Payment Processing Underwriting: Understanding How Merchants, ISOs, and Banks Interact

Welcome to our in-depth look at the underwriting process for electronic payment processing. In this article, we’ll explore how merchants, ISOs (Independent Sales Organizations), and ...
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Encryption and Tokenization in Payment Processing

Tokenization and Encryption: Preventing Payment Fraud and Chargebacks

The Dynamic Duo for Preventing Payment Fraud and Chargebacks In digital payments businesses and consumers alike rely heavily on card-not-present (CNP) transactions—be it through e-commerce ...
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How AI is Used in Fraud Prevention and Detection

AI Powered Fraud Detection in 2025 & Beyond

Intro to AI Fraud Detection & Prevention The fight against fraud has always been a moving target. As businesses and consumers accelerate their adoption of ...
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