Payment Authentication Methods to Reduce Chargebacks
Gone are the days when a simple password was enough to keep your customers’ payment data secure. I witness firsthand how outdated authentication methods lead to cart abandonment, chargebacks, and frustrated customers. Today’s digital commerce demands smarter, faster, and more secure ways to verify customer identity at checkout. Whether you’re selling clay pots or a […]
Can Shopify Shut Down Your Store? YES! Here’s What to Do
Your Shopify store is thriving, sales are flowing, and then it hits. That heart-stopping email from Shopify Payments announcing your payment processing has been suspended. I’ve helped hundreds of merchants through this exact situation, and here’s what you need to know: your business isn’t over. Let me clear up the biggest misconception right away – […]
How to Reduce Credit Card Chargebacks 2024 Holiday Season Edition
The post-holiday chargeback surge is coming, and it’s going to hit harder than ever. With holiday retail sales reaching $957.3 billion in 2023, and an expected 3.5% growth for 2024, businesses are set to face a wave of transaction disputes in January 2025. I’ve seen firsthand how these chargebacks can devastate businesses, often wiping out […]
Credit Card Decline Code 03: Invalid Merchant (solution)
Payment gateways are powerful, but not always informative—at least not directly. Whenever a transaction fails or even succeeds, the gateway displays a response code. When the transaction is successful, we don’t really care about the gateway response. But when it fails, that error code is quite insightful. If you’re suffering from too many credit card […]
Klarna CEO AI Future and Payment Evolution
When Klarna’s CEO Sebastian Siemiatkowski recently shared insights about the company’s direction, it wasn’t just another corporate update – it was a glimpse into the future of how we’ll all handle money. The signs are impossible to ignore: traditional credit cards are losing their grip on younger generations. And artificial intelligence isn’t just a buzzword […]