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Professional Services August 20, 2026 34 min read

Payments for Hartford’s Insurance and Professional-Services Firms: Retainers, Trust Accounts, and Client-Paid Card Fees

Professional-services firms often accept money for very different purposes: earned fees, advance retainers, reimbursable expenses, insurance premiums, deposits, and client funds. Treating all of those payments as ordinary operating revenue can create...

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Professional Services August 20, 2026 32 min read

Why Connecticut Merchants Can’t Surcharge — and What a Compliant Cash Discount Must Look Like Under §42-133ff

Connecticut merchants cannot assume that a card surcharge program permitted elsewhere is lawful here. The key compliance question is whether the merchant is adding a fee because the customer chose a particular...

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August 28, 2025 7 min read

Cross-Border Payments: What Small Businesses Should Watch Out For

Cross-border payments have gained a strategic importance in today’s global interconnected economy. What was once limited to large corporations is now common for small businesses, whether selling products internationally through e-commerce platforms,...

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Data Security August 10, 2025 8 min read

Tokenization vs. Encryption: Which Offers Better Protection?

Protecting sensitive data has never been more crucial in today’s fast-paced digital world, where logins, payments, and data transfers occur instantaneously. Even a single breach can result in significant financial losses and...

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