Brian Murphy is the owner and founder of Cloud 9 Payments, a credit card processing company at 10 N Main St, Suite 5, Chagrin Falls, OH. He writes the guides on this site covering processing fees, interchange-plus pricing, dual pricing and Clover POS for Northeast Ohio business owners.
Guides and articles by Brian Murphy
- Why Cloud9 Payments Doesn't Charge Surprise Infrastructure or Annual Maintenance Fees
August 8, 2026
- Is It Time to Switch Processors? 5 Signs Your Heartland or Shift4 Statement Is Hiding New Fees
August 6, 2026
- Surprise Processor Fees in 2026: A Northeast Ohio Merchant's Guide to Reading the Fine Print
August 4, 2026
- Shift4 Just Raised Its Annual Fee to $2,000: Here's What Changed on July 1, 2026
August 1, 2026
- Heartland/Global Payments $499 Infrastructure Fee: What Northeast Ohio Merchants Need to Know
July 30, 2026
- Restaurant Staff Training on Clover POS: A Complete Guide
February 20, 2026
- Small Business Payment Processing in Akron, Canton, and Cleveland
February 20, 2026
- Online Ordering Integration with Clover POS: What Restaurant Owners Need to Know
February 17, 2026
- QuickBooks Integration with Your POS: What Northeast Ohio Businesses Need to Know
February 13, 2026
- How to Explain Dual Pricing to Your Customers Without Losing Sales
February 10, 2026
- How Professional Service Firms Can Simplify Payment Collection
February 6, 2026
- How to Choose the Right POS System for Your Restaurant
February 5, 2026
- Best POS System for Small Restaurants in Cleveland and Northeast Ohio
February 3, 2026
- How to Read Your Credit Card Processing Statement (Without Losing Your Mind)
January 30, 2026
- Opening a Restaurant in Cleveland? Your Payment and POS Checklist
January 27, 2026
- How Dual Pricing Can Save a Northeast Ohio Small Business Thousands Per Year
January 23, 2026
- Same-Day Funding for Small Businesses: How It Works and Why It Matters
January 20, 2026
- Best POS System for Retail Stores in Northeast Ohio
January 16, 2026
- How to Reduce Credit Card Processing Fees for Your Ohio Restaurant
January 13, 2026
- Dual Pricing vs. Surcharging vs. Cash Discount: Which Is Right for Your Business?
January 9, 2026
- How to Set Up Clover POS for a New Restaurant in Ohio
January 6, 2026
- How to Choose a Credit Card Processor in Northeast Ohio
January 2, 2026
- Hidden Credit Card Processing Fees Every Small Business Owner Should Watch For
December 29, 2025
- What Is Dual Pricing and Is It Legal in Ohio?
December 22, 2025
- What Is Interchange-Plus Pricing and Why Should Ohio Business Owners Care?
December 18, 2025
Have a question about your statement?
Send over your last processing statement and Brian will walk you through what you are actually paying, line by line.
Call or Text: 1-855-297-6722