by Dean Sheaffer | Apr 9, 2026 | 2026 Q2, Cost Optimization, Operations
Your Credit Card Processor in 2026: Who Are You Really Working With — and How Do They Make Money? By Dean Sheaffer, CEO & Founder of TeamPaytech Why This Matters More Than Ever For most small and mid-sized businesses (SMBs), payment processing is still treated as...
by Dean Sheaffer | Mar 12, 2026 | 2026 Q1, Legal, Operations
The Illinois Interchange Fee Prohibition Act (IFPA) is one of the most targeted and technically nuanced state-level payment laws enacted in the United States. Unlike broad proposals to eliminate interchange entirely, the IFPA takes a narrower approach: it prohibits...
by Dean Sheaffer | Mar 4, 2026 | 2026 Q1, Cost Optimization, Operations
The Future of In-Store Payments: Invisible, Faster, and More Secure In-store payments are moving toward a simple goal: get the customer out the door faster, with less friction and less risk. 1. Biometric Authentication Becomes Normal In physical locations, biometrics...
by Dean Sheaffer | Feb 5, 2026 | 2026 Q1, Operations
Biometric Authentication in Payments: What SMB Merchants Need to Know For years, securing card payments has meant a tradeoff: stronger security often meant more friction at checkout. PINs slow lines. Passwords get forgotten. One-time codes frustrate customers....
by Dean Sheaffer | Jan 21, 2026 | 2026 Q1, Legal, Operations, Opinion
A Point Counter-Point Examination By: Dean Sheaffer, Mark Horwedel, and John MacAllisterThe President recently announced via Truth Social that he would be calling for a credit card interest rate cap of 10%. While we believe it very unlikely that this cap will...
