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Erica Seppala

Editor & Senior Staff Writer

7+ Years At Merchant Maverick

Education: AA Liberal Studies, Limestone University

Erica has been writing about small business finance and technology since 2008. She joined Merchant Maverick in 2018 and specializes in researching and reviewing business software, financial products, and other topics to help small businesses manage and grow their operations. Her expertise has been cited in MSN, Reader’s Digest, Vox, U.S. News & World Report, and Real Simple. She is a Certified ProAdvisor for QuickBooks Online and QuickBooks Payroll, a graduate of Limestone University, and currently resides in Greenville, South Carolina.

Merchant Maverick Archives for Erica Seppala | Page 21

PEO

What Is A PEO?

What is a PEO? In short, PEOs are human resource companies that contract with small and mid-size businesses to manage HR services, such as payroll, employee benefits, and tax administration. We’ll explore professional employer organization for payroll and how to know if it is a good fit for your small business in this post.

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May 22, 2026 Filed under: Payroll
ADP VS QuickBooks Payroll

ADP VS QuickBooks Workforce

Payroll and HR software can save precious time for small business owners, but searching through a laundry list of payroll products and features may be hard to squeeze into an already busy schedule. To help get you started, we’ll take an in-depth look at two premier payroll software apps: QuickBooks Online Payroll and ADP.

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May 27, 2026 Filed under: Payroll
employee retention tax credit

Employee Retention Credit: What Business Owners Need to Know in 2026

One form of relief offered to small businesses is the Employee Retention Tax Credit. First introduced in the Coronavirus Aid, Relief, and Economic Security (CARES) Act, this tax credit could be claimed by eligible employers on quarterly tax returns. This program was expanded by the Consolidated Appropriations Act signed into law in December 2020, making the credit accessible to more employers.

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Feb 21, 2026 Filed under: Accounting, Bookkeeping, Invoicing, Employee Retention Credit

The Complete Guide To Restaurant Inventory Management

Tired of nightly 86’ed items? Losing fresh veggies to spoilage? Learn how to manage your restaurant inventory effectively and efficiently. Whether you are new to running a restaurant or have reached a point where any inventory processes you have are not working, this article is a great starting point to help you develop or improve your restaurant inventory management.  

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Oct 27, 2025 Filed under: Restaurant POS

Square Payroll VS Gusto

Payroll software isn’t a cookie-cutter solution. By examining Square Payroll vs. Gusto, we’ll weigh the pros and cons, including a plan-by-plan breakdown for each. While both software apps boast easy-to-use interfaces and competitive pricing, there are some key differences to consider when choosing between Square Payroll and Gusto. Read on!

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May 27, 2026 Filed under: Payroll

Xero VS FreshBooks: Comparison

Xero’s advanced features, numerous integrations, and support for unlimited users make it a top choice for mid-to-large-sized businesses that are willing to put in the time and effort to learn the software. FreshBooks is a better fit for smaller businesses that want easy-to-use software equipped with basic features such as invoicing.

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Aug 16, 2024 Filed under: Accounting, Bookkeeping, Invoicing

How To Hire Your First Employee In 10 Steps

Wondering how to know when to hire your first employee? Hiring your first employee is an essential step to take to continue to grow your business, and there are a couple of things to keep in mind to help you successfully — and legally — hire and pay them. Let’s take a look at everything required for you to feel confident in hiring and paying your business’s first employee.

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May 20, 2026 Filed under: Payroll

What Is QuickBooks Workforce?

Intuit QuickBooks’ Workforce service makes it much easier for employers to share paycheck information with their employees online. By activating QuickBooks Workforce, you can give your employees control over when and how they want to review their W-2 forms and pay stubs. Read on for a full look at QuickBooks Workforce to see if it’s right for your business.

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May 27, 2026 Filed under: Payroll