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Host Merchant Services offers you this article archive as a learning resource.

We provide you with relevant information on topics related to the industry and small businesses to help your business get that extra edge.

A Detailed Explanation of Credit Card Authorization Codes

The global scale of credit card transactions is enormous, illustrating the extent to which this form of payment has become integral to the world economy. As far as the most...

Common High-Risk MCC Codes

Common high-risk MCC codes are a crucial aspect of the modern financial landscape, serving as identifiers for specific high risk merchant account categories that are deemed to carry a higher...

NAICS and SIC Codes 2024 – Understanding NAICS vs SIC

To better understand and compare businesses, it is helpful to classify them according to their industry, primary focus, and other relevant factors. The NAICS and SIC Codes systems are two...

Privacy While Using QR Codes

Every day QR codes help to connect more and more people. These can be used for many things, including paying, sending your information, opening documents, and more. They are pretty...

Credit Card Decline Codes Explained

Whether you are a business owner or a frequent shopper, you’ve probably run into a declined credit card payment at least once. Declined payments can be due to a wide...

A Complete Guide to Merchant Category Codes

Merchant category codes affects both merchants and consumers. What is this mystery number and how does it affect your business or you personally? It’s a number that’s more important than...

What Credit Card Decline Codes Mean?

If your business processes credit cards, you may have seen a number of payment decline codes. Declined credit cards are quite common in any business scenario, especially in B2C (business...

CVV2: The Next Generation of CVV Codes

CVV stands for Card Verification Value. This unique 3-digit CVV code is necessary to complete every purchase. CVV is a security feature established by credit card companies to help reduce...

Guide To Common ACH Return Codes and Errors

Automated Clearing House (ACH) is quickly becoming a major part of the payment ecosystem. Although credit card brands such as Visa and Mastercard approve payments on their own networks, many...