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Mastercard’s Specialty Merchant Fees Are a Pure Money Grab
Mastercard has added transaction and volume fees for businesses classified as specialty merchants. In 2ndAP’s view, this is a pure money grab: the published guidance identifies new charges, but no new merchant-facing fraud-prevention service or measurable protection purchased by those fees.

Thomas Troyer
Sep 75 min read


Why Your Merchant Account Could Disappear Overnight — And How to Make Sure Yours Doesn’t
Firearms merchant accounts face new risks in 2026 — rolling reserves, frozen funds, and stricter compliance rules. Here’s what’s driving the crackdown, the red flags to watch for, and how to protect your business before a freeze forces the issue.

Thomas Troyer
Jun 193 min read


What to Do If Your Account Gets Frozen
When Square/Stripe/PayPal Freezes Your Funds: What You Need to Know Thousands of businesses trust Square/Stripe/PayPal to move their...

Thomas Troyer
Jun 20, 20252 min read
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