Gift Cards: A Cautionary Tale
They may be intended for the act of giving, but gift cards are also the de facto currency for fraud online.
Subscription Merchants: 7 Fundamentals for Recurring Billing
Seven simple steps you can take in your recurring transactions that are just as important as the product to keep each account rolling.
Retrieval Requests: An old process still haunting merchants
Retrievals are sometimes referred to as "soft chargebacks"; they can lead to chargebacks, and ignoring them entirely can forfeit your right to representment, so prompt response is paramount.
Six Tips to Freeze Out Fraud for the Holidays
It's a special time of year for merchants, as the holiday frenzy converts into new-year revenue. But just like those holiday parties, the good times do have their attendant hangover...
What Are High-Risk Businesses and High-Risk Products?
High-risk businesses aren’t necessarily “bad” business. On the contrary, if handled right, high-risk business can mean high profits for the bank, processors and the merchants themselves.
Ways to Protect Your Business from Credit Card Chargebacks
The real danger chargebacks present are not just the fees that accumulate; if you process too many, your processing can be abruptly terminated. Here's what you can do to prevent them today.
What is High-risk Credit Card Processing?
High-risk merchants pay more for their processing, but they also get more. High-risk processing is a world of its own, providing great opportunities not just for the processor, but also for merchants.
A PayPal Chargeback: Is the Seller Protection Program Enough?
PayPal is one of the largest payment companies in the world, with over 200 million active accounts, and a presence in more than 200 markets. It’s commonplace to see PayPal alongside VISA and MasterCard as a payment option for most [...]
How To Win With the Visa Merchant Purchase Inquiry (VMPI)
The chargeback process has been unfair to merchants since its inception. VISA has recently made a commendable effort to balance the scales and help them reduce chargebacks under the Visa Claims Resolution (VCR) program. The Visa Merchant Purchase Inquiry (VMPI) [...]
The Perfect Customer Service Response to Chargebacks
Chargebacks are commonly considered to be a friction point between merchants and customers. But it doesn't have to be. Merchants that take the initiative can put chargebacks into the win column with a few easy steps taken before, during and [...]
How to Win at Subscription Billing
Recurring or subscription billing has taken e-commerce by storm. This is where products and services are provided and billed for regularly over time. Many merchants in the high-risk verticals have been doing it since before it was cool, but the [...]
Merchant Risk and How to Manage It
High-risk merchants have superior access to global markets and unlimited processing. If we look at what makes you high-risk, you can see where to mitigate the drawbacks and maximize the benefits of that designation.