Author: Maria Sparagis
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BNPL Legislation and White Label Solutions
Buy Now, Pay Later services exploded across the retail landscape over the past few years. But as BNPL grows more popular, lawmakers step in with new rules that change how businesses can offer these payment options. OFFER AN INSTALLMENT PLAN AT CHECKOUT The New BNPL Regulatory Landscape State governments now create their own BNPL rules…
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What Is a High Risk Merchant Account?
Traditional banks and merchant accounts won’t support a high risk business. But what is a high risk business, and what is a high risk merchant account? High risk merchant accounts provide a solution for companies that payment processors classify as having elevated risk factors. OPEN A HIGH-RISK MERCHANT ACCOUNT What Makes a Merchant Account “High…
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The Real Cost of Chargebacks: Beyond the Transaction Amount
Chargebacks cost merchants far more than the disputed transaction value. For every dollar lost to fraud, businesses incur up to $4.61 in total costs, with some reports showing merchants losing 3.4 times the original transaction amount when all expenses are calculated. Understanding these comprehensive costs helps merchants develop effective strategies to minimize their financial impact.…
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What Does “Transaction Not Permitted (Amount/POS/MCC)” Mean?
Getting hit with a “transaction not permitted (amount/pos/mcc)” error is frustrating because of how non-descript it is. This message appears when your card issuer blocks a purchase based on three key factors: the amount, the point of sale (POS), or the merchant category code (MCC). Let’s break it all down. LESS DECLINES, MORE CONVERSIONS Breaking…
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Visa’s New VAMP Program Ruins Chargeback Alerts
The Visa Acquirer Monitoring Program (VAMP) now treats fraud alerts differently than before, making chargeback alert programs for fraud useless. Starting April 2025, TC40 fraud alerts resolved through Rapid Dispute Resolution (RDR) now count toward your VAMP ratio. This means chargeback alerts for fraud reasons won’t protect businesses the way they used to. Previously, these…
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