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For agencies thinking of adding digital payments to their websites, beware of this legal pitfall. (Photo: Shutterstock)

If your customers go to your website to pay, and you use a third-party vendor to process the payment, who are they paying: You or the vendor?

The answer to this deceptively simple question can determine whether your business handles online payments smoothly or runs afoul of state laws, landing you in legal hot water.

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