Kirk Pepi

Austin

Contributing Writer at Money

Writer at Freelance

Contributor at U.S. News and World Report

Articles

TD Bank Is Closing 38 Branches on June 5 (Is Your Location Closing?)

6 days ago | financebuzz.com | Kirk Pepi |Andrea Basse

If you're a TD Bank customer, upcoming branch closures may affect you. Thecompany has said it made the "difficult decision" to shut down nearly 40 of itslocations on June 5, 2025, including seven sites in New York alone. TD Bankconsiders this move a standard business practice as it aligns its "network ofstores with customer needs and preferences."Here is a full list of the 38 TD Bank closures, categorized by state.
How to Negotiate Credit Card Debt

2 months ago | sacbee.com | Kirk Pepi

SPONSORED CONTENT is content paid for by a partner. The McClatchy Commerce Content team, which is independent from our newsroom, oversees this content. Money Research Collective’s editorial team solely created this content. Opinions are their own, but compensation and in-depth research determine where and how companies may appear. Many featured companies advertise with us. How we make money. If you’re struggling with credit card debt, you may consider negotiating with your creditors.
What Is a Payment Processor?

May 2, 2024 | usnews.com | Kirk Pepi |Jana Lynch

Popular Credit Card Processing Companies Best for Low Transaction Fees Stax » Monthly Fee: $99.00 & Up More Details First month free View Prices (855) 537-3288 Best for All-in-One Pricing Payment Depot » Monthly Fee: $0.00 More Details First month free Get Your Quote (866) 481-4039 Best for Online Payments Stripe » Monthly Fee: $0.00 More Details Get Started Merchant One » Monthly Fee: $6.95 & Up More Details Free terminal View Plans 855-960-3548 Best for Mobile Payments Block (formerly...
What Is a Merchant Account?

May 1, 2024 | usnews.com | Kirk Pepi |Jana Lynch

There were 609 merchant banking services in the United States in 2023 — an increase of 4.1% from the year before. This makes choosing the right vendor challenging, especially if you've never opened a merchant account. Here are some tips that will help you make the right decision for your business. Consider feesMerchant account vendors usually charge you a monthly fee for each transaction a customer makes with a credit or debit card. You might also need to pay a fee to open an account.
What Is PCI Compliance?

May 1, 2024 | usnews.com | Kirk Pepi |Jana Lynch

Popular Credit Card Processing Companies Best for Low Transaction Fees Stax » Monthly Fee: $99.00 & Up More Details First month free View Prices (855) 537-3288 Best for All-in-One Pricing Payment Depot » Monthly Fee: $0.00 More Details First month free Get Your Quote (866) 481-4039 Best for Online Payments Stripe » Monthly Fee: $0.00 More Details Get Started Merchant One » Monthly Fee: $6.95 & Up More Details Free terminal View Plans 855-960-3548 Best for Mobile Payments Block (formerly...
How To Accept Credit Card Payments

May 1, 2024 | usnews.com | Kirk Pepi |Jana Lynch

You will need to pay a fee every time someone makes a credit card transaction in your physical or online store. These credit card processing fees (or merchant discount rates) are made up of three parts: interchange fees, assessment fees, and payment processor fees. Credit card processing fees will vary depending on the type of card someone uses, the transaction amount, the industry you work in, and other factors. Credit cards are one of the safest ways to accept payments from customers.
How Much Are Credit Card Processing Fees?

May 1, 2024 | usnews.com | Kirk Pepi |Jana Lynch

You'll pay a credit card processing fee — or a merchant discount rate — every time your business accepts a credit card payment. The cost of this fee depends on the type of credit card a customer uses to buy something from your physical or online store. Three different costs make up credit card processing fees:Interchange feeCredit card issuers like Chase, Bank of America, and Wells Fargo charge an interchange fee whenever a customer makes an in-store or online transaction.
Guide to CRM Intergration

Apr 26, 2024 | usnews.com | Kirk Pepi |Jana Lynch

The best way to combine your CRM with third-party software is to use a pre-built connector. Many CRMs provide integrations for popular platforms, meaning you don't need to use any code. For example, HubSpot CRM has pre-built connections for Gmail, Google Ads, Outlook, Stripe, Facebook, and other tools you might currently use. These connectors do all the hard work for you, and you can sync your CRM with third-party software in just a few minutes.
Types of CRM Applications

Apr 26, 2024 | usnews.com | Kirk Pepi |Jana Lynch

An operational CRM lets you store customer contact details, previous interactions, leads, deals, and other information in a single system, helping you manage customer relationships more effectively. These systems optimize day-to-day sales, marketing, and customer service operations—hence the name "operational." Monday.com is an example of an operational CRM. Sales teams can benefit from this technology.
ERP vs CRM: What's the Difference?

Apr 26, 2024 | usnews.com | Kirk Pepi |Jana Lynch

A customer relationship management (CRM) system is software that manages all the customer-related data in your business. It stores contact information, identifies sales and marketing opportunities, and generates actionable insights about prospects and existing customers, letting you make smarter decisions. Your sales and marketing teams will benefit from using a CRM.