Understanding Merchant Category Codes – MCCs

Your MCC could qualify you for interchange rate discounts

Have you ever heard of a Merchant Category Code? Do you realize you have one and do you know what it is? Everybody understands that there are many industries and many areas of business specialty. In fact, there are 69 industries and 158 sub industries within the 11 global business sectors. And there are hundreds […]

Consequences of High Chargeback Ratios- Part 2-Chargeback Prevention

How to fight chargeback disputes

Most business owners know that a high chargeback ratios hurt their profit margins. But what they may not realize is that more than 80% of claims filed are attributed to “friendly fraud”. In other words, only about 20% of chargebacks claimed are because of actual theft and use of stolen credentials. This means that your […]

Consequences-High Chargeback Ratios Part 1

High chargeback ratios come with consequences.

As a business owner accepting payments, you’ve probably heard the term “chargeback ratio”. And you may even know what it means for your business. IF you happen to be operating in the Ecommerce realm, you are most likely highly aware of the dreaded chargeback. And you undoubtedly understand the ramifications a high ratio can have […]

EMV Payments and Chargebacks

EMV payments compliance

Why businesses should meet EMV payments standards, and why consumers should adopt it with open arms. It’s been five years since the new EMV payments rules went into effect, shifting fraud liability from card issuing banks to merchants that are not EMV compatible. While adoption is growing among merchants and consumers, saturation is still not […]

How To Reduce Refunding Fraud And Still Serve Your Customers

Refund fraud

The latest trend in friendly fraud is “refunding fraud” and it’s anything but friendly. Merchants are bleeding from an elusive threat that is growing to organized crime ring proportions. Return and refund fraud is alive and well in these times of increased digital commerce. And it’s going to cost merchants billions if they don’t find […]

Hosted Payment Pages for eCommerce


Nothing in history has had a greater effect on eCommerce sales more than the Covid pandemic. eCommerce stores are opening at a staggering rate. Brick and mortar stores are either moving online or adding an eCommerce option to their site. In fact, eCommerce has seen an impressive 149% growth in online orders overall. If you’re […]

Recurring Billing and Subscription Payments Merchant Account For e-Commerce

Monthly Recurring Revenue

Signing customers up for an ongoing monthly subscription can provide a business with much needed consistent and predictable income. Unfortunately, recurring billing comes with two key challenges. Consumer perception and increased risk of chargebacks. For subscription companies this adds up to the need for a recurring billing, high-risk merchant account.  Within the very recent past, […]

Cyber Crime-SMBs #1 Security Risk (And What To Do About It)

Cyber crime targets small business

Data has become one of the most valuable commodities on the market today, even more than the value of oil. And not just for insights into consumers for marketing means, but for cyber criminals to sell on the dark web too. Therefore, the sheer value of a company’s data makes unsecured data the most sought-after […]

Contactless Payments During Coronavirus

NFC powered contactless payments

We’re living in a time where every business in every industry is having to rethink the way they run everyday operations. Consumers are turning to contactless payments as a way to purchase goods while remaining safe. As we move forward, if you want your business to remain healthy, you must accept contactless payments. Just 2 […]

Payment Facilitators, Flat Rate Pricing, Merchant IDs and Agg Accounts – Learn About Payment Processing

How to Find a good credit card processor

The business of accepting credit cards and payment processing can be pretty confusing for merchants.  The primary concern of most merchants is making sure they are able to accept credit card payments from their clients. Most merchants know they need to open a merchant account to accept the various forms of payments, other than cash, […]