Surcharging Laws Update: State-by-State Guide for 2026
22 states now ban or restrict credit card surcharging in 2026. Here’s the complete state-by-state guide ISOs need to protect merchants from costly compliance violations.
ISO Guide
An Independent Sales Organization (ISO) is a third-party company authorized by acquiring banks and payment processors to market, sell, and manage merchant services, such as credit card processing and point-of-sale (POS) systems. They act as intermediaries, enabling businesses to accept payments and offering tailored support, often for higher-volume merchants.
POS Insurance: The $50B Opportunity for ISOs
The embedded insurance market is worth $50B annually — yet only 5% of merchants buy through their POS. Here’s how ISOs can capture this untapped revenue stream with 40-60% retention boosts.
Healthcare POS: HIPAA-Compliant Payment Solutions for ISOs
The $3.5B healthcare POS market has 68% of practices using outdated systems. Here’s how ISOs can offer HIPAA-compliant payment solutions with 95%+ retention.
Account-to-Account Payments: The Next Frontier for ISOs
A2A payments are projected to reach $1.7T by 2027. Here’s how ISOs can offer merchants a 50-70% cheaper alternative to credit cards with instant settlement.
Cannabis POS: The High-Growth Vertical ISOs Are Missing
The cannabis POS market reached $1.2B in 2026 with 25% CAGR — and fewer than 200 ISOs serve it. Here’s how to capture this untapped high-growth vertical.
BNPL Regulation 2026: What ISOs and Merchants Must Prepare For
The CFPB’s 2026 BNPL rule requires lender licensing in 35+ states. Here’s what ISOs and merchants must do now to stay compliant and avoid liability.
SaaS Tools for Merchants: How ISOs Can Build a Software Ecosystem
ISOs who offer 3+ SaaS tools alongside payments achieve 90%+ retention vs. 60% for payments-only. Here’s how to build a software ecosystem that makes your platform indispensable.
The Rise of Embedded Payments: Is Your ISO Business at Risk?
Embedded payments grew 80% in 2025 and now bypass traditional ISO channels entirely. Here’s how to adapt before your merchant base migrates to platforms like Shopify and Square.
AI-Powered Fraud Detection: What Works and What’s Hype in 2026
AI fraud detection reduces false positives by 60% and saves $0.20 per transaction. Here’s what works, what’s hype, and how ISOs can use AI to reduce chargebacks and retain more merchants.
Embedded Lending: How ISOs Can Offer Working Capital to Merchants
The embedded lending market via POS reached $45B in 2026. Here’s how ISOs can earn 2-5x more per merchant by offering working capital under their own brand.
