Author: Maria Sparagis

  • Token Gated Communities: Hype or the Future of Web3 Loyalty?

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    Online ownership, access, and community is nothing new. In fact, it’s existed since the birth of the internet. But Web3 is about to change how we approach these things. As blockchain technology matures, a new phenomenon captures the imagination of creators, brands, and users alike: token gated communities. These exclusive digital spaces grant access based…

    A person's thumb pressing a gold elevator button with the letters "VIP" on it
  • Using BNPL to Survive the Tariff and De Minimis Storm

    The economy right now is a minefield for businesses. New tariffs, the removal of the de minimis rule, and shifting supply chains have sent costs soaring and consumer confidence plummeting. A slightly silver lining is available, however. Buy Now, Pay Later (BNPL) and payment installment plans are two payment options that can help you weather…

    One businessman handing a wad of cash to another businessman
  • Visa VAMP Changes Chargeback Management, Business Killer

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    Visa’s bombshell announcement will forever change how European merchants manage their fraud and dispute ratios. The new Visa Acquirer Monitoring Program (VAMP) counts TC40 fraud alerts resolved through Rapid Dispute Resolution (RDR) toward your VAMP ratio. High-risk merchants and subscription businesses are warned. MAINTAIN COMPLIANCE What’s Changing with VAMP? Visa initially created VAMP to consolidate…

    Two credit cards displaying the VISA logo
  • Capital One-Discover Merger: What It Means for Business

    The recent approval of Capital One’s acquisition of Discover Financial Services is the first of its kind. With federal regulators giving the green light and the deal expected to close on May 18, 2025, merchants across the country are wondering how this merger will affect their businesses. As someone with expertise in payment processing, I…

    Credit cards
  • Your #1 Hidden Revenue Goldmine Is Payment Processing

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    You’re a business owner, you accept payments, but I bet you have not once considered payment processing as a growth tactic. Little known fact: payment processing is one of the most underutilized growth opportunities for any businesses of any size. While companies spend fortunes on marketing and sales, many lose 10%+ of their monthly revenue…

    Man wearing a denim shirt standing in front of a blackboard that has a white chalk illustration of steps leading to a $. An arrow with a stick figure man points up the steps.