PayClarity

08/05/2026

While we obviously focus on card payments, ACH payments have quietly been growing and still represent a large opportunity for merchants. While we normally think of ACH as being most applicable to the B2B space, growth is also happening in many other industries, such as home services and automotive. In some situations, ACH can be much more affordable or reliable than card transactions.

According to recent numbers released by NACHA, the standards organization for ACH payments, traffic increased by nearly 6% in 1Q26, to a total of nearly 9.1 billion transactions.

PayClarity offers many ways to accept ACH payments, including virtual terminals, gateways, and even technology partners like SwipeSimple or Square. Best of all, you can add additional services like check verification or guarantees! I

If you're looking to learn more, please reach out at [email protected]

08/03/2026

For the second time this year and the third time in two years, Toast has significantly raised its credit card processing fees. In addition to SaaS program fee increases, Toast merchants have seen the following:

September 2024
23 bps on all card types

March 2026
10 bps on V/MC and 21 bps on AMEX

September 2026
20 bps on V/MC and 21 bps on AMEX

According to Toast's own numbers from a recent earnings call, Toast merchants average $1.2 million in processing volume annually, and approximately 22% of that volume is AMEX. Therefore, the average Toast merchant has seen the annual cost of processing increase by a whopping $6,700 in the last 24 months alone.

Wow. Just wow.

See the document below for the latest Toast increase, which should be helpful in reminding merchants of the massive risks that come with being locked into agreements that provide no alternatives and no way out.

07/29/2026

Upgrade Your Business Before Fall Arrives

Late July is the perfect time to upgrade your business technology before the busy fall season begins. Every business has unique needs, so your payment processing, POS system, and payroll solutions should be tailored to help you operate more efficiently.

Whether you own a restaurant, retail store, medical practice, or service business, PayClarity provides customized solutions that simplify daily operations, improve the customer experience, and support long-term growth.

Contact us today to learn how we can help your business thrive.

PayClarity provides secure payment processing, payroll services, and modern POS solutions for businesses of all sizes. Simplify operations with transparent pricing and dedicated support.

06/30/2026

The "PayClarity Business Insights", our monthly newsletter...

How a Frederick Business Found Thousands in Hidden Processing Costs A Frederick auto repair and towing shop reached out with a simple question: "Am I paying too much for credit card processing?" Like most owners, they were heads-down running the business and hadn't combed through their merchant stat

05/21/2026

Bringing Clarity to Your Payments, Payroll, and Point of Sale. Transparent pricing.

04/02/2026

Happy Friday! A little behind-the-scenes from Wednesday’s video shoot. Three cameras, two amazing membership clients, and a coffee chat that felt so natural and fun to capture.

These are the kinds of shoots that make me love what I do, real people, real moments, and content that feels both polished and genuine.

04/02/2026

I always enjoy working with businesses where operations don’t just happen behind a counter.

We recently partnered with a local auto repair and towing company that was still using an older Desk 3500 terminal. It worked—but it didn’t match how their business actually runs day to day, especially with drivers out in the field needing to take payments on the spot.

So we upgraded their setup to a Valor VL100 Pro terminal in the shop and equipped their tow truck drivers with six Valor RCKT mobile card readers.

Now they can take payments wherever the job happens—at the counter, roadside, or anywhere in between. No delays, no extra steps, just a smoother experience for both the team and their customers.

This is something I see a lot in service-based industries—great businesses being held back by outdated equipment. The right setup doesn’t just process payments, it supports how you operate, improves cash flow, and makes things easier across the board.

That’s always the goal for me—understand the business first, then build the right solution around it.

Ready for clarity? Schedule a complimentary rate review today.

03/27/2026

“Bundled vs. Unbundled Pricing: What are you really paying?”

Bundled vs. unbundled pricing—most business owners were never taught the difference.

And that’s exactly why so many overpay without realizing it.
In this video, I break it down in simple terms so you can understand what you’re actually being charged—and why transparency matters.

Ready for clarity? Schedule a complimentary rate review today.

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03/24/2026

Stronger Partnerships. Smarter Operations.

Strong partnerships lead to better outcomes for business owners.

We’re proud to partner with Cloud Auto Service to support auto service businesses with tools that streamline operations and simplify payments.

When your systems work together seamlessly, everything runs more efficiently — and that’s where real clarity begins.

Log in to Cloud Auto Service for seamless management of your automotive needs. Experience convenience and efficiency in one secure login. Drive with confidence!

03/17/2026

“Let’s Walk Through Your Payments—Together.”

When I sit down with a business owner, the conversation usually starts the same way—confusion around fees, equipment, or statements that just don’t make sense.

That’s why I take a hands-on approach. Whether it’s walking through a payment terminal, explaining how transactions actually flow, or reviewing a statement line by line, my goal is simple: make sure you understand exactly how your payment processing works.

Because the truth is, the right setup isn’t just about having the latest device—it’s about having a solution that fits your business, keeps things running smoothly, and gives you confidence in what you’re paying.

If you’ve ever felt unsure about your current setup, you’re not alone. And you don’t have to figure it out on your own.

Ready for clarity? Schedule a complimentary rate review today.