Press Releases

[2024-01-19] NGCOA Releases White Paper on Credit Card Processing and Surcharging 

01-19-2024 07:00

Also, related 2-Part Education Session at Next Week’s Golf Business Conference 2024

Charleston, S.C. (January 19, 2024) - The National Golf Course Owners Association (NGCOA), the trade association dedicated exclusively to golf course ownership and operations, today released its latest publication, Deck of Cards — How to Ace Credit Card Processing and Save Money.

This white paper, which was researched and written by Golf Business magazine contributor Harvey Silverman, and which features insights from the co-founder of Claymore Payments Consulting Kevin McDonnell, is a detailed description of the merchant processing ecosystem, and is designed to educate and arm readers with the facts and knowledge needed to make smart decisions on GMS and merchant processing partners. The document also includes links to resources to stay abreast of the constantly changing and updating merchant processing industry. It’s critical that businesses understand the risks, recognize the factors in play, and get this right.

“Customers think swiping a credit card is easy, but businesses know how complex the payment process actually is,” said Taylor Wall, NGCOA’s Senior Director of Education. “Not only are there countless layers involved, but they’re constantly changing – making it difficult for operators to understand the true credit card processing landscape. In this white paper, Harvey Silverman peels back the layers to simplify complicated subject matter to golf course owners and operators."

NGCOA members can download the white paper at no cost; non-members can join NGCOA to access this publication (and many others) as a benefit of membership. Visit to learn more about this publication.


* * Related Education at Golf Business Conference 2024 * *

2-Part Breakout Session |  Rosen Centre, Orlando, FL

Tuesday, January 23  |  2:30 pm – 3:15 pm

Deck of Cards, Part 1 — Credit Card Merchant Processing and Your Money

Kevin McDonnell, Co-Founder, Claymore Payments Consulting

Harvey Silverman, Contributor, Golf Business and Consultant, Silverback Golf Marketing

This session provides an in-depth breakdown of the fee structure (to truly illustrate where your money goes), a summary of steps you can take to calculate your most effective rate, an examination of the role your Golf Management Software (GMS) plays, and much more.

Tuesday, January 23  |  3:30 pm – 4:15 pm

Deck of Cards, Part 2 — Surcharge or No Charge 

Harvey Silverman, Contributor, Golf Business and Consultant, Silverback Golf Marketing

This session is a crash course in the complex world of surcharge laws, regulations, and rules, a deep dive into the pros and cons of surcharging (which might stimulate some lively debate!) and much more.


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About the National Golf Course Owners Association

The NGCOA is the leading authority on the business of golf course ownership and management. The association represents and promotes the interests of golf courses as the principal businesses and economic assets of the game of golf. The not-for-profit organization is the only trade association dedicated exclusively to golf course owners and operators. Through advocacy, education and information resources, purchasing programs and networking opportunities, the NGCOA helps golf course owners and operators run more successful businesses. For more information or to join, visit or call 800-933-4262.

Media Contact: Renée Flowers, Senior Director of Marketing and Communications, NGCOA,

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