Driven bad by reason codes

ChargebackHelp Reason Code Reference

When a transaction is charged back, the issuing banks will assign a reason code to the chargeback. Below is a list of all the major reason codes you will see from chargebacks Read more …

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5 mistakes you’re making in fraud prevention

1. You’re not capturing transactional data. We say it all the time, and we will continue to until it sinks in. Merchants need to capture key data on each transaction, including customer Read more …

tackling affiliate fraud

Tackling Affiliate Fraud

For many online merchants, affiliates are an indispensable source of leads and revenue. But if you have an affiliate program, you will inevitably face some form of affiliate fraud. We all want Read more …

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Red flags your gateway should be catching

We’ve put together a checklist of some key red flags that your gateway should be automated to catch in your transactions. It’s important for merchants’ gateways to check for all of these because one item alone won’t accurately qualify a transaction as fraudulent. Taken together, they can be highly useful to identify and prevent fraudulent activity. Are you checking these things?

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Managing Your Processing Reputation

When it comes to Reputation Management, most merchants are primarily concerned with their reputation with customers and how they deliver goods and services. While that’s certainly an important facet of “rep management”, Read more …


The Future of Authentication

They say the password is dead, but that might seem ironic as you click “Forgot your password?” for the fifth time today. That said, the password is no longer as safe and reliable a security measure as it once was. There is currently a lot of R&D going into creating better user authentication tokens. These new authentications range from the fascinating to the down-right scary.

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Call center operator

A Strategy for Using Call Centers

When a cardholder sees a transaction on their bill that they don’t recognize, or that they were unsatisfied with, they don’t call the merchant. More often then not, they call their bank Read more …

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Self Assessment: Are you a soft target for fraud?

The Great American EMV card transition is finally in high gear, which is great news for compliant storefront retailers; card-present fraud is in decline. However, online merchants are getting hit by a new wave of fraud as crooks turn to card-not-present transactions with their stolen cards. And just like regular thieves looking for open windows to rob homes, cyber-crooks are looking for vulnerabilities in payment gateways to commit fraud. If you are processing CNP transactions, you need to prepare yourself for this new wave of fraud. Let’s take a look at how you can fortify your transactions.

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Mobile Payments fraud

How convenience begets vulnerabilities

Convenience is the new frontier in fraud. Credit card schemes want consumers using their products as much as possible, and sometimes fraud prevention conflicts with ease of use. We see this clearly with the EMV card rollout here in the United States. Card companies believe that chip & PIN may dissuade consumers from using EMV cards. So here in U.S., it’s chip & signature–PIN is not required so as not to disrupt the fragile user experience. But when you think of how many times a cashier has actually checked your signature, the potential exploit in this system is clear.

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Make Payment Great Again?

How the Trump Administration will affect merchants

Wherever you fall on the political spectrum, we can safely agree the newly-minted Trump Administration will take a pro-business stance on financial regulation. That stance will undoubtedly affect the payments industry and, by proxy, merchants can expect to see some changes on the horizon. So let’s take a look at what this might mean for merchants, from an apolitical perspective (if such a thing still exists, sad!).

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