Richard Moy

Richard Moy

Finance Writer, Ramp

Richard Moy has written extensively about procurement and vendor management topics for companies like BetterCloud, Stack Overflow, and Ramp. His writing has also appeared in The Muse, Business Insider, Fast Company, Mashable, Lifehacker, and more.

Articles by Richard Moy

What is a payment processor? Definition, how it works, and how to choose one

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What is a payment processor? Definition, how it works, and how to choose one

A payment processor is a service that authorizes, routes, and settles payment transactions between customers and merchants through card networks and banks.
Business loan vs. business credit card: Key differences

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Business loan vs. business credit card: Key differences

Business loans provide lump-sum capital with fixed repayment schedules, while business credit cards offer revolving credit for daily expenses.
The best instant or pre-approved business credit cards in April 2026

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The best instant or pre-approved business credit cards in April 2026

Discover the top instant or pre-approved business credit cards. Get the best options for business credit card pre-approval and find your perfect fit.
Which high-limit business credit card is right for you? April 2026

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Which high-limit business credit card is right for you? April 2026

The best high-limit business credit cards combine purchasing power with other benefits, like built-in expense management. See our top picks.
Alternative business funding: A complete guide

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Alternative business funding: A complete guide

Alternative business funding includes financing options outside traditional bank loans, from merchant cash advances and invoice financing to equity and grants.
IRS Form 3800: What is the General Business Credit?

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IRS Form 3800: What is the General Business Credit?

IRS Form 3800 calculates & claims the General Business Credit by combining multiple business tax credits & applying IRS limitation rules to your tax liability.