Payment guides
How getting paid actually works, in plain words — what it costs, how long it takes, and the rules that apply. Written by a payments office in Honolulu, with the sources listed on every page.
Credit card processing fees, explained
Where the money goes on every card payment, and how to compare two quotes.
Updated September 30, 2026 · 7 min read
eCheck vs ACH: what's the difference?
Bank payments in plain words — timing, cost and the return rules.
Updated September 30, 2026 · 6 min read
Credit card surcharges in Hawaii
What's allowed in Hawaii, and the card-network rules you still have to follow.
Updated September 30, 2026 · 5 min read
How to accept card payments without a website
Payment links, QR codes and phone payments, step by step.
Updated September 30, 2026 · 5 min read