BPS Blog
Plain-English guides on fees, statements, chargebacks, and contracts — for owners who don’t have time for processor jargon.
Free fee checkup · Next-day funding options · No long-term contracts
Start here
The three numbers that matter — and the junk fees that hide in the fine print.
From Michael
Straight answers on fees, funding, and statements — with BPS navy and cyan, not processor green.
Spot the fees you shouldn’t pay — line by line.
Where your fees actually go when a customer swipes.
Approved today shouldn’t mean deposited Thursday.
Topic map
Use these guides — or text Michael a statement if you want the short version for your shop.
Where fees go, what interchange means, and how to spot markup.
02 · StatementsTrue effective rate in plain English — start here.
03 · FundingWhen deposits land, what delays them, and what to ask your processor.
04 · DisputesText Michael for a practical playbook when a dispute hits.
05 · ContractsETF, PCI clutter, and the clauses that cost you later — ask Michael first.
Text a statement. Michael shows your true rate — usually within a day.
No obligation · Usually within a day · $0 cost
Michael PachecoApproved today shouldn’t mean deposited Thursday. How card funding really works, what next-day funding means, and what slow deposits cost your cash flow.
Michael PachecoYour processing statement hides more than it shows. Learn the three numbers to check, how each section works, and the red flags that mean you’re overpaying.
Michael PachecoWhat happens when a customer swipes their card? A plain-English guide to processing fees, pricing models, and the junk fees hiding on your merchant statement.