Ethan Carter

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About Ethan Carter

Ethan Carter believes that payment processing should be a competitive advantage, not a burden. With years of experience, he's laser-focused on helping clients achieve measurable results. He takes a client-centric approach, tailoring solutions to meet specific needs and maximizing ROI. From reducing processing fees to improving conversion rates, Ethan is dedicated to driving tangible business outcomes.

Articles by Ethan Carter

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A Complete Guide to the Merchant Account Approval Process for Collection Agencies

In this Adaptiv guide, we break down what to expect from the merchant account approval process for collection agencies, from how to prepare upfront to what happens after you’re approved.

Customer using an online gambling site to play and win.
Best Gambling Merchant Account Providers in 2026

Whether your audience enjoys mobile gaming, digital casino platforms, or online gaming in general, the right processor can implement better fraud prevention, customer retention, and other desirable improvements your business might need.

A set of wood tobacco pipes resting on a wooden pipe rack
Top Challenges in Tobacco Payment Processing and How to Solve Them

Running a tobacco business is already a difficult endeavor, but getting the ability to accept payments in all forms can feel like an uphill battle. Brands in the tobacco, cigar, e-cigarette, and rolling paper industries are often viewed as high-risk businesses by banks and payment processors. This limits their ability to accept a wide range of credit and debit cards.

A firearm on resting on a desk on top of a stack of US bills.
The Best Firearms Merchant Account Providers in 2025

In this article we cover some major details about merchant accounts in the firearms business. Plus, we list the best firearms merchant account providers so far in 2025.

A peptide bottle and a credit card.
Peptide Merchant Account Guide: Secure High-Risk Payments

This guide is the complete rundown on peptide merchant accounts: what they're all about, why they're so tricky, and how to find a payment processor that actually works for your business.

An international business owner with a glowing graphic of the globe in their hand
The Best International Merchant Account Providers in 2025

In this article, we highlight the best international merchant account providers to choose from in 2025. This includes Adaptiv Payments, a leader in international merchant accounts and payment processing solutions.

Nuvei & Adaptiv Payments Logos
Selecting The Best High-Risk Merchant Account: Adaptiv & Nuvei

Nuvei and Adaptiv Payments partner to provide industry-leading, reliable high risk merchant accounts and payment processing solutions.

a person is holding three credit cards in their hand .
What Does PCI Stand For?

Learn what PCI (Payment Card Industry) stands for, explore the PCI DSS requirements, and follow security measures to achieve PCI compliance.

a person is holding a pile of tobacco leaves in their hands .
Understanding Florida's Tobacco Licensing Requirements and Cost

Tobacco License in Florida requires businesses to obtain a Retail Tobacco Products Dealer permit for $50 annually to sell, ensuring compliance with the state.

a close up of a bunch of gold bullets on a black surface .
Understanding FFL Transfer Fees: A Guide

Learn about FFL transfer fee costs: average rates $25–$50, factors affecting pricing & tips to save on firearms transfers.

a neon sign for a money and loan store is lit up at night .
Understanding Payday Loan Merchant Accounts

Learn how a payday loan merchant account delivers secure, compliant, fast payments for high-risk lenders, reducing chargebacks and boosting cash flow.

A black and white photo of a large building with columns.
What Are The Dangers Of Using EChecks?

Worried about using eChecks? Learn about the dangers of eCheck fraud, security risks, and potential for scams. Stay safe with our essential guide to eCheck safety!

A one dollar bill is laying on a wooden table.
How to Deposit an Echeck Without Printing

Echeck depositing involves receiving the echeck via an online portal, verifying customer's bank details, and initiating the deposit through the ACH merchant account.

A group of people are sitting at a table with laptops and papers.
Merchant Account vs. Payment Gateway

A merchant account holds and transfers funds, while a payment gateway authorizes and encrypts transactions; both are crucial for online payment processing.

A green cash app icon with a dollar sign and credit cards.
How to Delete a Cash App Account: A Comprehensive Guide

This guide provides a detailed walkthrough on deleting a Cash App account, covering reasons for deletion, pre-deletion steps, and alternative payment platforms.

A person wearing an apple watch is typing on a computer keyboard.
How to Sell Kratom Online

This guide provides steps to sell Kratom online, covering market understanding, legal requirements, product selection, supply chain setup, e-commerce platform creation, marketing strategy, payment processing, shipping, customer support, and business optimization.