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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 23

The Complete Guide to Preventing and Winning Chargebacks

The Small Business Guide To Preventing & Fighting Chargebacks

In a perfect world, you’d be able to take a series of proactive measures that would protect you from ever having to deal with chargebacks. Unfortunately, they’re an inevitable part of running a business that you’ll have to deal with sooner or later. For most merchants, chargebacks will only be an occasional irritant. For others, a high chargeback rate can lead to your business being classified as a high-risk merchant or even having your merchant account frozen or shut down. While we can’t make your business 100% chargeback-proof, we can help you to minimize their frequency and offer some tips on dealing with them when they inevitably occur.

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Sep 11, 2025 Filed under: Credit Card Processing
How to accept credit card payments

How To Accept Credit Card Payments As A Small Business

More and more, and especially with the younger crowd, people just don’t carry cash anymore. To do business at all, small businesses need to be able to take some sort of payment card, be it debit or credit. Taking credit card payments can get expensive and complicated, but we’re here to help break it down for you.

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Sep 9, 2025 Filed under: Credit Card Processing

QuickBooks Premier Review

QuickBooks Premier is ideal for small to medium-sized businesses that have outgrown QuickBooks Pro and need more users, more reports, and industry-specific features. The downsides? More features come at a higher cost and there’s still a learning curve.

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Dec 6, 2024 Filed under: Accounting Software Reviews

Best Equity Crowdfunding Platforms For Businesses & Entrepreneurs

Equity crowdfunding has only been around for a few years. Suffice to say, it is a work in progress. If you play your cards right, however, it might be just the thing to take your startup to the next level. If you’ve done your due diligence in preparing your offering and you possess the ability to excite investors, professional and amateur, then it’s certainly an avenue worth exploring.

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Feb 6, 2025 Filed under: Business Loans, Crowdfunding, Peer-to-Peer Loans

Best Alternatives To LoanBuilder

If you want a quick and easy business loan, LoanBuilder is certainly worth looking into, especially if you don’t meet the requirements of traditional lenders. However, be aware that new borrowers can only borrow up to $100,000, terms are only available up to 52 weeks, and weekly repayments are required.

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Feb 4, 2025 Filed under: Business Loans
QuickBooks logo

QuickBooks Capital Review

QuickBooks Capital is a good option for existing QuickBooks Online users looking for an easy application and fast funds. QuickBooks Capital loans are ideal for inventory purchasing and working capital, but may not be ideal for long-term needs, such as business expansion.

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Dec 6, 2024 Filed under: Small Business Loan Reviews