News & Information

5 Steps to Reduce Checkout Friction

Checkout friction consists of all the different hoops a customer must jump through to buy your product. Some friction is necessary, some isn’t, but it all adds up to the leading cause of transaction abandonment for online merchants. So every merchant should evaluate their transaction process, and ensure their payment [...]

ChargebackHelp Reason Code Reference

When a transaction is charged back, the issuing banks will assign a reason code to the chargeback. Below is a reference list of all the major reason codes you will see from chargebacks resulting from criminal fraud, friendly fraud or merchant error. You can also type in any reason code [...]

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 identity, order details, and user login logs. Not only does this information enhance your understanding of your customers, [...]

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 [...]

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", it's not the only one. Here, we're looking at your processing reputation--not just how banks see you based [...]

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 [...]

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 to dispute the charge. It is a real problem, especially for high-risk merchants. But every problem is merely [...]

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 [...]

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 [...]