Payment Services Blog | NXGEN


Is credit card surcharging legal in my state?

Is credit card surcharging legal in my state? The answer is, probably. It is currently legal to surcharge in 44 states. Merchants who surcharge in approved states still have rules and regulations that they must follow. In many instances, they may not be surcharging correctly. This is why it is so important to work with […] read more

The Pros and Cons of Credit Card Surcharging

Surcharging offers big benefits to the merchant while also posing a few potential challenges.  Let’s look at the pros and cons of  credit card surcharging to help you decide if zero cost credit processing is right for you. Is it legal to surcharge? Today, the payment method of choice for many consumers is credit cards. […] read more


WHITEFISH, MT July 27, 2017: NXGEN has reached a milestone August 3rd, 2017 celebrating 15 years of business. The company has grown from the dreams of Founder/CEO, Thomas P. Nitopi, to a global leader in the payments industry with a footprint in more than 30 countries and sales volume reaching over $5 billion in 2016. […] read more

How do I Set Up an Online Store?

You made the decision to set up an online store. You are in good company. Annual e-commerce sales are predicted to total nearly 2 trillion dollars in 2017.  This number is greater than the entire GDP of every nation on earth except for the US, China, Japan, Germany, the UK, India, France, and Brazil! In […] read more

4 Reasons to Launch an Online Store

If you are considering starting an online store, now is the moment to act. There has never been a better time to break into the world of e-commerce. The online technology that supports e-commerce is simultaneously becoming more affordable and more advanced.  Consumers are spending more and more money through the internet every year. Whether you […] read more

The History of Credit Cards and Credit Card Terminals

In the early 1900s, the idea of credit cards took important step forward, when oil companies, department stores, and other large businesses began offering their own proprietary cards, which could be used by customers at those specific stores. In many ways, these proprietary cards were the true forefather of credit cards, even though they were confined to a closed system (i.e. they could only be used with one specific merchant rather than with a wide variety of merchants.) read more

The Smart Terminal is the Future of Payments for Small Retailers

Poynt offers an exciting new way for businesses and organizations to accept payments. The industry most influenced by this innovation in taking payments is retail. Function meets form in a new kind of wireless smart terminal that allows you to take the checkout to your customers. The modern world is an on-the-go lifestyle, and small […] read more

3 Ways to Accept Credit Card Payments

Accepting credit card payments is a non-negotiable necessity in this day and age. If your business lacks the capability to make such transactions, you risk losing quite a bit of business: not only will a certain percentage of customers who were planning on using their cards walk out, but these former customers may also spread […] read more

The Rules of Surcharging Have Changed

In the world of Credit Card Processing, the rules have changed again, and this time, in the merchant’s favor. It is now legal to apply a surcharge or “checkout fee.” So what is a surcharge?  A surcharge is an additional fee added to the total purchase amount to cover the cost of the credit card […] read more

10 Ways to Lower Your Credit Card Processing Fees

Below are ten ways you can lower your credit card processing fees. Many factors cause your monthly statements to be higher: card present versus card not present, improper transaction habits, PCI compliance, the environment that you process in, and sometimes just having the wrong processor. Consumers love purchasing goods and services with credit cards and […] read more

How Payment Processing Works (And 4 Common Mistakes to Avoid)

Though it’s not necessary to be an expert regarding the ins and outs of payment processing in order to run a successful business and accept credit card payments, it is advisable to develop a basic understanding of how the process works. This will help you make the right choices for your company. In this article, […] read more

Convenience Fees: Everything You Need To Know

Convenience fees can be used to help offset some or all of the costs of payment processing to the consumer but there are significant limitations and rules to keep in mind. This article will explain convenience fees, the guidelines when imposing, and important exceptions for government and education industries. Most consumers love their credit cards […] read more

Virtual Terminals for Credit Card Processing

Businesses today have many different options for credit card processing and virtual terminals is a great one. Countertop terminals have long been the norm, but virtual terminals are becoming increasingly popular and here is why. What is a virtual terminal? A virtual terminal is a web-based platform that allows you to process transactions using your […] read more

NXGEN serves proudly on the Whitefish Chamber of Commerce

June 16, 2016  – Whitefish and Columbia Falls Chamber of Commerce jointly hosted the monthly social at the newly remodeled Glacier Discovery Center. During the social, Jenny Rifkin, NXGEN Partner Development Manager was presented with her official Chamber Ambassador Vest and name tag by Tony Veseth with Whitefish Farm Bureau Insurance and Whitefish Chamber of Commerce Board […] read more

Processing Point Inc. Announces ISO Partnership with NXGEN

[et_pb_section admin_label=”section”][et_pb_row admin_label=”row”][et_pb_column type=”4_4″][et_pb_text admin_label=”Text” background_layout=”light” text_orientation=”left” use_border_color=”off” border_color=”#ffffff” border_style=”solid”] CARLSBAD, Calif. – July 27, 2016 – PRLog — Processing Point, Inc., maker of the uAccept™ all-in-one, processor neutral and EMV capable POS system, is pleased to announce it has joined forces with NXGEN. The agreement allows NXGEN to place merchants under existing Processor-ISO relationships, […] read more

NXGEN, A Small Town Tech Company, Wins Industry’s Top Award

[et_pb_section admin_label=”section”][et_pb_row admin_label=”row”][et_pb_column type=”4_4″][et_pb_text admin_label=”Text” background_layout=”light” text_orientation=”left” use_border_color=”off” border_color=”#ffffff” border_style=”solid”] Whitefish, MT – June, 2016 – NXGEN, a tech company that delivers state of the art payment solutions to merchants globally, was recently awarded 2016 ISO of the Year by the Electronic Transaction Association (ETA), the leading trade association in the payments industry. NXGEN, founded […] read more

Less Than 9% of Small Businesses Owners Have Adopted EMV

On Oct. 1, companies like Mastercard, Visa, Discover and American Express will implement what’s called a “liability shift.” That means that business owners who do not upgrade their systems to accept new EMV chip card technology at their point of payment will be liable in cases of credit card fraud. Chip cards, which look like a regular […] read more

EMV Liability Shift

There will be a major EuroPay, MasterCard, and Visa (EMV) liability shift to merchants on October 1, 2015: merchants not using EMV-enabled credit card terminals or point of sale (POS) systems will bear the liability for credit cards bearing a computer chip when fraud is involved. Although EMV compliance is not mandatory, the EMV liability […] read more

Shift happens- Will you be ready?

One of the most talked about changes in the world of payment acceptance this year will be the liability shift that goes into effect October 1, 2015. To provide enhanced payment card data security, the major card brands have been pushing for widespread EMV adoption in this country for years. Shifting the liability for acceptance […] read more

NXGEN Appoints John Barrett as President of North American Sales

February 2015 – NXGEN International, the payment services company, today announced that John Barrett has joined the company as President of NXGEN Payment Services.  Barrett brings over 20 years of sales and sales operations experience and an in-depth understanding of how to drive incremental revenue within sales, channel and customer organizations.  In his new role at […] read more


By PYMNTS @pymnts What’s Next In Payments® 6:15 AM EST January 28th, 2015 By now, we know that fraud related to counterfeit cards has essentially been eliminated in countries where EMV has been widely adopted. Incidences of two other types of fraud – lost/stolen and card-not-present fraud – have also been reduced in these areas, specifically where […] read more
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