{"id":368313,"date":"2021-03-03T08:57:10","date_gmt":"2021-03-03T13:57:10","guid":{"rendered":"https:\/\/www.practicalecommerce.com\/?p=368313"},"modified":"2022-09-09T15:43:08","modified_gmt":"2022-09-09T19:43:08","slug":"pros-cons-of-credit-card-surcharges","status":"publish","type":"post","link":"https:\/\/www.practicalecommerce.com\/pros-cons-of-credit-card-surcharges","title":{"rendered":"Pros, Cons of Credit Card Surcharges"},"content":{"rendered":"<p>Credit card processing is expensive. &#8220;Surcharging&#8221; allows merchants to recoup some of the cost by passing a fee to customers at the point of sale.<\/p>\n<p>Some U.S. states, however, ban surcharging. One of those was Kansas before a U.S. District Court recently <a href=\"https:\/\/www.paymentssource.com\/news\/a-sales-pitch-became-a-vendors-winning-legal-argument-in-kansas-surcharge-case\">overturned<\/a> the State of Kansas\u2019s ban. Colorado, Massachusetts, and Connecticut are now the only states to prohibit surcharges.<\/p>\n<p>In this post, I\u2019ll explain surcharging. I\u2019ll address the rules and the pros and cons for merchants wishing to apply surcharges as a way of recovering credit card processing fees.<\/p>\n<h3>Surcharging<\/h3>\n<p>Surcharges can be applied to card-present (in-store) and card-not-present (ecommerce) transactions. The surcharge is typically equal to the merchant\u2019s <a href=\"https:\/\/www.practicalecommerce.com\/credit-card-processing-part-3-reducing-the-cost\">card-processing fee<\/a>, but it can be lower.<\/p>\n<p>Say a customer pays for a $100 ecommerce purchase with a credit card. A typical processing fee for this transaction would be roughly $3.10. Applying a surcharge would allow the merchant to recoup the fee so that the customer pays $103.10 instead of $100.<\/p>\n<p>Surcharging is far from perfect. It does not solve the problem of expensive processing. It just passes that fee to customers. Many will refuse to pay it.<\/p>\n<p>Surcharging is common in certain industries, however, such as charities, colleges, and governmental entities.<\/p>\n<p>Surcharging is regulated by the card brands \u2014 Visa, Mastercard, <a href=\"https:\/\/www.practicalecommerce.com\/why-american-express-pushes-for-higher-merchant-acceptance\">American Express<\/a>, and Discover. Businesses that do not comply with those rules violate their merchant-processing agreements and risk being expelled from the card networks. Moreover, surcharges can damage a merchant\u2019s reputation as abuses are usually called out on social media!<\/p>\n<h3>Rules<\/h3>\n<p>Here is a summary of the card brands&#8217; rules for surcharging.<\/p>\n<ul>\n<li><em>Inform the customer.<\/em> Merchants must inform customers that surcharges may be levied. A note buried in the terms and conditions is not good enough. Physical stores must post clear signage at the store entrance and the point of sale. Ecommerce merchants must clearly identify and explain the surcharge and display it as a separate line item.<\/li>\n<\/ul>\n<ul>\n<li><em>Limit the amount.<\/em> The surcharge must not exceed 4 percent of the purchase price.<\/li>\n<\/ul>\n<ul>\n<li><em>No profiting.<\/em> A merchant cannot profit from a surcharge. The fee can cover the expense of processing but not more.<\/li>\n<\/ul>\n<ul>\n<li><em>Use a single transaction.<\/em> The surcharge and the purchase must be processed in the same credit card transaction, not separate. Submitting separate transactions would confuse many customers when they receive their statements.<\/li>\n<\/ul>\n<ul>\n<li><em>Separate line items.<\/em> The receipt must display the surcharge clearly and as a distinct line item.<\/li>\n<\/ul>\n<ul>\n<li><em>Credit cards only.<\/em> Merchants cannot apply a surcharge to debit card transactions.<\/li>\n<\/ul>\n\n<h3>Pros, Cons<\/h3>\n<p>Merchants should weigh the benefit of recovering credit card fees against the possibility of losing customers and damaging the business\u2019s reputation. An additional issue is the expense. Surcharges are not free. Merchant service providers generally charge a fee for the service.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Credit card processing is expensive. &#8220;Surcharging&#8221; allows merchants to recoup some of the cost by passing a fee to customers at the point of sale. In this post, I\u2019ll explain surcharging. I\u2019ll address the rules and the pros and cons for merchants wishing to apply surcharges as a way of recovering processing fees.<\/p>\n","protected":false},"author":263,"featured_media":368400,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wp_rev_ctl_limit":""},"categories":[58311],"tags":[],"class_list":["post-368313","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-payments",""],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.2 (Yoast SEO v25.2) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Pros, Cons of Credit Card Surcharges - Practical Ecommerce<\/title>\n<meta name=\"description\" content=\"Credit card processing is expensive. &quot;Surcharging&quot; allows merchants to recoup some of the cost by passing a fee to customers at the point of sale. In this post, I\u2019ll explain surcharging. I\u2019ll address the rules and the pros and cons for merchants wishing to apply surcharges as a way of recovering processing fees.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.practicalecommerce.com\/pros-cons-of-credit-card-surcharges\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pros, Cons of Credit Card Surcharges\" \/>\n<meta property=\"og:description\" content=\"Credit card processing is expensive. &quot;Surcharging&quot; allows merchants to recoup some of the cost by passing a fee to customers at the point of sale. In this post, I\u2019ll explain surcharging. I\u2019ll address the rules and the pros and cons for merchants wishing to apply surcharges as a way of recovering processing fees.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.practicalecommerce.com\/pros-cons-of-credit-card-surcharges\" \/>\n<meta property=\"og:site_name\" content=\"Practical Ecommerce\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/practicalecommerce\" \/>\n<meta property=\"article:published_time\" content=\"2021-03-03T13:57:10+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-09-09T19:43:08+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.practicalecommerce.com\/wp-content\/uploads\/2021\/03\/Pros-Cons-of-Credit-Card-Surcharges.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"360\" \/>\n\t<meta property=\"og:image:height\" content=\"240\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Mike Eckler\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@practicalecomm\" \/>\n<meta name=\"twitter:site\" content=\"@practicalecomm\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Mike Eckler\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"NewsArticle\",\"@id\":\"https:\/\/www.practicalecommerce.com\/pros-cons-of-credit-card-surcharges#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.practicalecommerce.com\/pros-cons-of-credit-card-surcharges\"},\"author\":{\"name\":\"Mike Eckler\",\"@id\":\"https:\/\/www.practicalecommerce.com\/#\/schema\/person\/fcebcdf5be211ad9360b038b41c6674f\"},\"headline\":\"Pros, Cons of Credit Card Surcharges\",\"datePublished\":\"2021-03-03T13:57:10+00:00\",\"dateModified\":\"2022-09-09T19:43:08+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.practicalecommerce.com\/pros-cons-of-credit-card-surcharges\"},\"wordCount\":466,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.practicalecommerce.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.practicalecommerce.com\/pros-cons-of-credit-card-surcharges#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.practicalecommerce.com\/wp-content\/uploads\/2021\/03\/Pros-Cons-of-Credit-Card-Surcharges.jpg\",\"articleSection\":[\"Payments\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.practicalecommerce.com\/pros-cons-of-credit-card-surcharges#respond\"]}],\"copyrightYear\":\"2021\",\"copyrightHolder\":{\"@id\":\"https:\/\/www.practicalecommerce.com\/#organization\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.practicalecommerce.com\/pros-cons-of-credit-card-surcharges\",\"url\":\"https:\/\/www.practicalecommerce.com\/pros-cons-of-credit-card-surcharges\",\"name\":\"Pros, Cons of Credit Card Surcharges - Practical Ecommerce\",\"isPartOf\":{\"@id\":\"https:\/\/www.practicalecommerce.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.practicalecommerce.com\/pros-cons-of-credit-card-surcharges#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.practicalecommerce.com\/pros-cons-of-credit-card-surcharges#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.practicalecommerce.com\/wp-content\/uploads\/2021\/03\/Pros-Cons-of-Credit-Card-Surcharges.jpg\",\"datePublished\":\"2021-03-03T13:57:10+00:00\",\"dateModified\":\"2022-09-09T19:43:08+00:00\",\"description\":\"Credit card processing is expensive. \\\"Surcharging\\\" allows merchants to recoup some of the cost by passing a fee to customers at the point of sale. In this post, I\u2019ll explain surcharging. I\u2019ll address the rules and the pros and cons for merchants wishing to apply surcharges as a way of recovering processing fees.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.practicalecommerce.com\/pros-cons-of-credit-card-surcharges#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.practicalecommerce.com\/pros-cons-of-credit-card-surcharges\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.practicalecommerce.com\/pros-cons-of-credit-card-surcharges#primaryimage\",\"url\":\"https:\/\/www.practicalecommerce.com\/wp-content\/uploads\/2021\/03\/Pros-Cons-of-Credit-Card-Surcharges.jpg\",\"contentUrl\":\"https:\/\/www.practicalecommerce.com\/wp-content\/uploads\/2021\/03\/Pros-Cons-of-Credit-Card-Surcharges.jpg\",\"width\":360,\"height\":240,\"caption\":\"Image of a female using a credit card for an online purhcase on a smartphone\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.practicalecommerce.com\/pros-cons-of-credit-card-surcharges#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.practicalecommerce.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Pros, Cons of Credit Card Surcharges\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.practicalecommerce.com\/#website\",\"url\":\"https:\/\/www.practicalecommerce.com\/\",\"name\":\"Practical Ecommerce\",\"description\":\"Independent analysis and strategy for online merchants\",\"publisher\":{\"@id\":\"https:\/\/www.practicalecommerce.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.practicalecommerce.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.practicalecommerce.com\/#organization\",\"name\":\"Practical Ecommerce\",\"url\":\"https:\/\/www.practicalecommerce.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.practicalecommerce.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.practicalecommerce.com\/wp-content\/uploads\/2017\/12\/practical-ecommerce-stacked-hires.jpg\",\"contentUrl\":\"https:\/\/www.practicalecommerce.com\/wp-content\/uploads\/2017\/12\/practical-ecommerce-stacked-hires.jpg\",\"width\":250,\"height\":100,\"caption\":\"Practical Ecommerce\"},\"image\":{\"@id\":\"https:\/\/www.practicalecommerce.com\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/practicalecommerce\",\"https:\/\/x.com\/practicalecomm\",\"https:\/\/www.linkedin.com\/company\/practical-ecommerce\/\",\"https:\/\/podcasts.apple.com\/us\/podcast\/ecommerce-conversations\/id874457373\",\"https:\/\/www.crunchbase.com\/organization\/practical-ecommerce\",\"https:\/\/bsky.app\/profile\/practicalecommerce.com\"],\"description\":\"Practical Ecommerce is an independent digital publication founded in 2005 that helps online merchants improve their businesses through expert articles, guides, webcasts, and podcasts. The site has published over 7,000 articles and serves millions of readers worldwide.\",\"foundingDate\":\"2005-07-01\",\"duns\":\"09-076-7155\",\"numberOfEmployees\":{\"@type\":\"QuantitativeValue\",\"minValue\":\"1\",\"maxValue\":\"10\"},\"publishingPrinciples\":\"https:\/\/www.practicalecommerce.com\/editorial-policy\",\"ownershipFundingInfo\":\"https:\/\/www.practicalecommerce.com\/about-us\",\"actionableFeedbackPolicy\":\"https:\/\/www.practicalecommerce.com\/contact\",\"ethicsPolicy\":\"https:\/\/www.practicalecommerce.com\/editorial-policy\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.practicalecommerce.com\/#\/schema\/person\/fcebcdf5be211ad9360b038b41c6674f\",\"name\":\"Mike Eckler\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.practicalecommerce.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/5f23a8bb9d6b939a9b731596fb90be9d?s=96&d=identicon&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/5f23a8bb9d6b939a9b731596fb90be9d?s=96&d=identicon&r=g\",\"caption\":\"Mike Eckler\"},\"description\":\"Mike Eckler is an advisor and independent consultant on financial technology \u2014 providing leadership and insights on innovation, challenges, and product management. He has worked in the digital payments industry for 20 years, having held senior positions with PayPal and Moneris, the payment processor, among other firms. Contact Mike via LinkedIn or email.\",\"url\":\"https:\/\/www.practicalecommerce.com\/author\/mike_eckler\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Pros, Cons of Credit Card Surcharges - Practical Ecommerce","description":"Credit card processing is expensive. \"Surcharging\" allows merchants to recoup some of the cost by passing a fee to customers at the point of sale. In this post, I\u2019ll explain surcharging. I\u2019ll address the rules and the pros and cons for merchants wishing to apply surcharges as a way of recovering processing fees.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.practicalecommerce.com\/pros-cons-of-credit-card-surcharges","og_locale":"en_US","og_type":"article","og_title":"Pros, Cons of Credit Card Surcharges","og_description":"Credit card processing is expensive. \"Surcharging\" allows merchants to recoup some of the cost by passing a fee to customers at the point of sale. In this post, I\u2019ll explain surcharging. I\u2019ll address the rules and the pros and cons for merchants wishing to apply surcharges as a way of recovering processing fees.","og_url":"https:\/\/www.practicalecommerce.com\/pros-cons-of-credit-card-surcharges","og_site_name":"Practical Ecommerce","article_publisher":"https:\/\/www.facebook.com\/practicalecommerce","article_published_time":"2021-03-03T13:57:10+00:00","article_modified_time":"2022-09-09T19:43:08+00:00","og_image":[{"width":360,"height":240,"url":"https:\/\/www.practicalecommerce.com\/wp-content\/uploads\/2021\/03\/Pros-Cons-of-Credit-Card-Surcharges.jpg","type":"image\/jpeg"}],"author":"Mike Eckler","twitter_card":"summary_large_image","twitter_creator":"@practicalecomm","twitter_site":"@practicalecomm","twitter_misc":{"Written by":"Mike Eckler","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"NewsArticle","@id":"https:\/\/www.practicalecommerce.com\/pros-cons-of-credit-card-surcharges#article","isPartOf":{"@id":"https:\/\/www.practicalecommerce.com\/pros-cons-of-credit-card-surcharges"},"author":{"name":"Mike Eckler","@id":"https:\/\/www.practicalecommerce.com\/#\/schema\/person\/fcebcdf5be211ad9360b038b41c6674f"},"headline":"Pros, Cons of Credit Card Surcharges","datePublished":"2021-03-03T13:57:10+00:00","dateModified":"2022-09-09T19:43:08+00:00","mainEntityOfPage":{"@id":"https:\/\/www.practicalecommerce.com\/pros-cons-of-credit-card-surcharges"},"wordCount":466,"commentCount":0,"publisher":{"@id":"https:\/\/www.practicalecommerce.com\/#organization"},"image":{"@id":"https:\/\/www.practicalecommerce.com\/pros-cons-of-credit-card-surcharges#primaryimage"},"thumbnailUrl":"https:\/\/www.practicalecommerce.com\/wp-content\/uploads\/2021\/03\/Pros-Cons-of-Credit-Card-Surcharges.jpg","articleSection":["Payments"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.practicalecommerce.com\/pros-cons-of-credit-card-surcharges#respond"]}],"copyrightYear":"2021","copyrightHolder":{"@id":"https:\/\/www.practicalecommerce.com\/#organization"}},{"@type":"WebPage","@id":"https:\/\/www.practicalecommerce.com\/pros-cons-of-credit-card-surcharges","url":"https:\/\/www.practicalecommerce.com\/pros-cons-of-credit-card-surcharges","name":"Pros, Cons of Credit Card Surcharges - Practical Ecommerce","isPartOf":{"@id":"https:\/\/www.practicalecommerce.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.practicalecommerce.com\/pros-cons-of-credit-card-surcharges#primaryimage"},"image":{"@id":"https:\/\/www.practicalecommerce.com\/pros-cons-of-credit-card-surcharges#primaryimage"},"thumbnailUrl":"https:\/\/www.practicalecommerce.com\/wp-content\/uploads\/2021\/03\/Pros-Cons-of-Credit-Card-Surcharges.jpg","datePublished":"2021-03-03T13:57:10+00:00","dateModified":"2022-09-09T19:43:08+00:00","description":"Credit card processing is expensive. \"Surcharging\" allows merchants to recoup some of the cost by passing a fee to customers at the point of sale. In this post, I\u2019ll explain surcharging. I\u2019ll address the rules and the pros and cons for merchants wishing to apply surcharges as a way of recovering processing fees.","breadcrumb":{"@id":"https:\/\/www.practicalecommerce.com\/pros-cons-of-credit-card-surcharges#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.practicalecommerce.com\/pros-cons-of-credit-card-surcharges"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.practicalecommerce.com\/pros-cons-of-credit-card-surcharges#primaryimage","url":"https:\/\/www.practicalecommerce.com\/wp-content\/uploads\/2021\/03\/Pros-Cons-of-Credit-Card-Surcharges.jpg","contentUrl":"https:\/\/www.practicalecommerce.com\/wp-content\/uploads\/2021\/03\/Pros-Cons-of-Credit-Card-Surcharges.jpg","width":360,"height":240,"caption":"Image of a female using a credit card for an online purhcase on a smartphone"},{"@type":"BreadcrumbList","@id":"https:\/\/www.practicalecommerce.com\/pros-cons-of-credit-card-surcharges#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.practicalecommerce.com\/"},{"@type":"ListItem","position":2,"name":"Pros, Cons of Credit Card Surcharges"}]},{"@type":"WebSite","@id":"https:\/\/www.practicalecommerce.com\/#website","url":"https:\/\/www.practicalecommerce.com\/","name":"Practical Ecommerce","description":"Independent analysis and strategy for online merchants","publisher":{"@id":"https:\/\/www.practicalecommerce.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.practicalecommerce.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.practicalecommerce.com\/#organization","name":"Practical Ecommerce","url":"https:\/\/www.practicalecommerce.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.practicalecommerce.com\/#\/schema\/logo\/image\/","url":"https:\/\/www.practicalecommerce.com\/wp-content\/uploads\/2017\/12\/practical-ecommerce-stacked-hires.jpg","contentUrl":"https:\/\/www.practicalecommerce.com\/wp-content\/uploads\/2017\/12\/practical-ecommerce-stacked-hires.jpg","width":250,"height":100,"caption":"Practical Ecommerce"},"image":{"@id":"https:\/\/www.practicalecommerce.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/practicalecommerce","https:\/\/x.com\/practicalecomm","https:\/\/www.linkedin.com\/company\/practical-ecommerce\/","https:\/\/podcasts.apple.com\/us\/podcast\/ecommerce-conversations\/id874457373","https:\/\/www.crunchbase.com\/organization\/practical-ecommerce","https:\/\/bsky.app\/profile\/practicalecommerce.com"],"description":"Practical Ecommerce is an independent digital publication founded in 2005 that helps online merchants improve their businesses through expert articles, guides, webcasts, and podcasts. The site has published over 7,000 articles and serves millions of readers worldwide.","foundingDate":"2005-07-01","duns":"09-076-7155","numberOfEmployees":{"@type":"QuantitativeValue","minValue":"1","maxValue":"10"},"publishingPrinciples":"https:\/\/www.practicalecommerce.com\/editorial-policy","ownershipFundingInfo":"https:\/\/www.practicalecommerce.com\/about-us","actionableFeedbackPolicy":"https:\/\/www.practicalecommerce.com\/contact","ethicsPolicy":"https:\/\/www.practicalecommerce.com\/editorial-policy"},{"@type":"Person","@id":"https:\/\/www.practicalecommerce.com\/#\/schema\/person\/fcebcdf5be211ad9360b038b41c6674f","name":"Mike Eckler","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.practicalecommerce.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/5f23a8bb9d6b939a9b731596fb90be9d?s=96&d=identicon&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/5f23a8bb9d6b939a9b731596fb90be9d?s=96&d=identicon&r=g","caption":"Mike Eckler"},"description":"Mike Eckler is an advisor and independent consultant on financial technology \u2014 providing leadership and insights on innovation, challenges, and product management. He has worked in the digital payments industry for 20 years, having held senior positions with PayPal and Moneris, the payment processor, among other firms. Contact Mike via LinkedIn or email.","url":"https:\/\/www.practicalecommerce.com\/author\/mike_eckler"}]}},"_links":{"self":[{"href":"https:\/\/www.practicalecommerce.com\/wp-json\/wp\/v2\/posts\/368313","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.practicalecommerce.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.practicalecommerce.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.practicalecommerce.com\/wp-json\/wp\/v2\/users\/263"}],"replies":[{"embeddable":true,"href":"https:\/\/www.practicalecommerce.com\/wp-json\/wp\/v2\/comments?post=368313"}],"version-history":[{"count":7,"href":"https:\/\/www.practicalecommerce.com\/wp-json\/wp\/v2\/posts\/368313\/revisions"}],"predecessor-version":[{"id":1510229,"href":"https:\/\/www.practicalecommerce.com\/wp-json\/wp\/v2\/posts\/368313\/revisions\/1510229"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.practicalecommerce.com\/wp-json\/wp\/v2\/media\/368400"}],"wp:attachment":[{"href":"https:\/\/www.practicalecommerce.com\/wp-json\/wp\/v2\/media?parent=368313"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.practicalecommerce.com\/wp-json\/wp\/v2\/categories?post=368313"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.practicalecommerce.com\/wp-json\/wp\/v2\/tags?post=368313"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}