Category: PAYMENT PROCESSING

Overcome Cross-Border Payment Obstacles (FeedFront Magazine)

There are typically many ecommerce businesses that experience cross-border payment obstacles. This is unfortunate news considering the frequency of electronic cross-border transactions occurring in the world. If your online business fits this profile, then we recommend you refer to the most recent edition of FeedFront Magazine.

DirectPayNet founder Maria Sparagis contributed an article to issue 44 of FeedFront magazine. In the published article titled Navigating Global Trade and Cross-Border Payments, Maria offers some advice on increasing conversion of international orders. She recommends merchants learn whether or not their business is high risk. When you are a high-risk merchant you will not have as much widespread choice for credit card processing in your business. Additionally, readers with cross-border payment challenges are encouraged to practice fraud prevention. This can be done through the use of analytics software. In addition, Maria mentions applying due diligence when it comes to choosing foreign payment processing providers.

It’s Time for an Off shore Merchant Account

Keeping domestic operations while catering to international customers is challenging. Not all cards are created equal. For example, a Hong Kong-based online merchant targeting North American credit/debit card holders may see a majority of orders declined, as they may be labeled “suspicious” by issuing banks in the US and Canada.

To read more of this article or download the entire magazine, go directly to the FeedFront website.

In case you have been living under a rock, Feedfront is the official magazine of Affiliate Summit and for affiliate marketers. Founded by Shawn Collins and Missy Ward, Affiliate Summit has promptly become a central conference for active members of the digital marketing industry. Over the years, the brand and event have exploded internationally. It has gone from being located in the US only to now being held across major cities in the world. The most recent conference took place in Singapore, October 1-3, 2018.

If you are experiencing a high level of declined transactions from foreign customers, it is time to carefully review your own cross-border payment issues. Do you have specific questions about cross-border payments? Are you in need of an offshore merchant account? Contact the DirectPayNet team and we’ll help you get started.

October 4, 2018
Monetize Your Traffic! Understand Transaction Decline Codes & Raise Revenue By 10% (Part 2)

Welcome back to part two of our transaction decline codes blog post! Readers have given us great feedback about part one of this blog series. We are thrilled this post is quickly answering your questions and helping you recover from unnecessary merchant fees.

Our previous blog post discussed common decline codes merchants receive. We also explained some of the vague messages typically received from banks and gateways when transactions are declined. This includes Invalid Address, Do Not Honor and Pick Up Card, to name a few specific examples. You can read part one of our blog here.

In today’s blog post, we will cover a few unconventional transaction decline codes sent to merchants. Additionally, we’ll provide remedies and creative strategies you can use to solve some of your declined transaction challenges.

Other unrecognizable transaction decline codes

Duplicate Transaction

This occurs when merchants charge a customer’s credit card two or more times for the same transaction amount within a brief period. It is frequently an accidental request, because the transaction and attempt details are identical when submitted to the same credit card within mere minutes of one another. In this case, a merchant can easily cancel or reverse the order. Alternatively, a merchant can control the time in between the first and second attempt within the gateway. For example, most gateways allow you to automatically decline duplicate transactions that occur within 5 minutes of each other. If this is caused by buyers submitting orders multiple times, add a progress bar to show a status on the sale. Alternatively, you can grey out the buy button once the sale starts processing.

Transaction was rejected by gateway

This decline code is informing the merchant that a transaction has not delivered the appropriate information to get past the gateway due to specific rules or settings. For example, your gateway could be rejecting a sale because you made address validation service (AVS) mandatory and this purchase information was not entered. Another example is if an order came from a non-domestic buyer with a credit card issued by a bank in a foreign country. You may have to set anti-fraud rules in your system to reject orders from that specific country.

Unsupported card type

Merchants see this decline code message when a customer is using a credit card type not supported or allowed by an acquiring bank. For example, a bank in Europe does not process Discover; therefore, a potential US customer attempting payment with one will be rejected automatically. Unless your checkout page clearly indicates a card type is restricteed, you could be seeing this decline code.

Additionally, you might be a US merchant with European orders and discover some of your declined transactions were a result of customers using Visa Electron (an international sister card of Visa Debit). Always review which credit card networks are offered by your merchant account provider. If a customer attempts an order with an unaccepted card, it is important to advise about alternative payments. You could convert more sales by clearly explaining to a customer why a transaction was declined.

Expired Card / Invalid Expiration Date

When a prospective customer enters the wrong expiration date for their credit card in their order, this transaction decline code appears. You can prevent this by simply ensuring your calendar is updated on your checkout page. If a buyer enters an old date, do not allow him/her to proceed until it is corrected. Assuming the expiry date entered is invalid, you might tell your customer support staff (if you have any) to contact your buyers about their purchase over the telephone. It’s also just good support etiquette to contact a client to ensure they follow through with their order.

Send an email to your subscribers before their cards expire. Encourage them to update their details. Some acquirers offer Visa Account Updater (VAU). This service updates expiry and card details automatically to ensure customer subscriptions never decline due to changes. It’s an option exclusively for merchants in certain MCCs (merchant category codes).

Adding rebill attempts is one way to recover from too many transaction decline codes

As a subscription merchant you may be frustrated with the loss of key customers due to declined subscription transactions. There are several comprehensive strategies to recapture some of these lost sales. For example, let‘s say an order for USD $75 was declined because of insufficient funds. Some merchants might try rebilling a customer again by pre-setting a specific charge for a future date and time.

It is important you advise your customers about this in your terms and conditions, as well as the frequency you will attempt to recover the fees for their subscription. Keep in mind, these parameters need to be within reason (say within 30 days for a monthly subscription). Your customer should retain access to your product or receive their monthly product until you stop your attempts at recovery.

Another scenario would be if you attempt to rebill the customer a second time three hours later rather than within minutes of a failed order. It could be that the customer has had too many charges on their card within a short time and the bank declined further sales activity.

Not all banks allow recurring orders

It’s important to know whether or not your acquiring bank permits recurring billing transactions. If they do, then your principal gateway or customer management software likely allows you to schedule retries of declined subscriptions. Only attempt to charge a declined customer that can be recovered sufficiently.

For example, if one of your transaction decline codes is the result of a stolen card, attempting a second charge will show the bank you are reckless. It will also hurt your transaction approval ratio over time. To maximize success of this strategy, try charging a declined order (like insufficient funds) that is likely to change after a few days. You might recover your subscription fee if a customer has paid their credit card bill by then. What’s more, declined sales cost you a fee. Therefore, isn’t it better to reduce your rejected sales volume to process more valid orders and be charged less per transaction?

Effective email marketing is underestimated

Recovering from declined orders is possible. Using fraud analytics software, ACH/echeck processing, and reviewing historical data to set new approval benchmarks are effective. Dunning is also a powerful strategy for recovering declined transactions, especially for continuity merchants. A vendor can use dunning to prevent and mitigate credit card declines.

To put it plainly, dunning is effective email marketing. Merchants use email communication to pre-warn customers about an upcoming charge, a failed payment or a credit card charge retry. It can reduce your rate of failed orders, particularly in the case of expired and unsupported card type declines. Your email message should not just say, “Hey, we’re about to charge you!” Use a gentle approach to closing a sale instead.

Perfectly timed emails grow profit and reduce errors

Customers often forget they opted in to a continuity offer. Therefore, rather than automatically charging for a forgotten product or service, warn them first. It helps to remind them of the great value they will receive once their card is used. Dunning emails influence customers to explore your site, browse new products and even update their credit card information. This also helps lower refunds, chargebacks and associated fees that eat away at your hard-earned revenue. You may get a few cancellations, but this strategy ensures a higher profit due to preventing losses from refunds and chargebacks.

It’s also about timing. An email alerting a customer that their order failed because of an expired card is best sent during the morning or afternoon, not simply when it happens. Timing is everything! Merchants should ensure these messages are delivered at optimal moments.

Your next steps now depend on you

We hope this blog series answered more questions about how to handle transaction decline codes in your business. These aspects of payment processing can be challenging. DirectPayNet prides itself on being well versed in transaction decline codes plus other factors affecting e-commerce growth and profit. If you want our talented team to properly review your declines and support your business to reduce failed transactions rates and merchant fees, call or email us today!

September 26, 2018
Caribbean & Latin American Merchants, You Can Overcome Banking Hurdles

Caribbean and Latin American merchants have turned to DirectPayNet for banking solutions in recent months. What exactly was their problem? The inability to receive wire payments from banks in the US, Canada and European countries. This is a major financial roadblock for merchants in spite of the explosion of the ecommerce industry over the last five years. Globalization has advanced trade between several countries and is only expected to increase with broader access to the internet. For this reason merchants expect financial transactions to be faster, easier and frequent, but unfortunately that isn’t the case.

More Caribbean and Latin American merchants need quicker, efficient ways to wire money globally, safely and securely. Banks are stricter about the type of transactions they allow now more than ever. They think twice about wire payments to countries they believe have higher risks of fraud. If you’re in the Caribbean or Latin America and sell online products or services to customers in the US, Canada, the UK or Europe, a bank account in a bank-friendly nation can help you be more competitive. It also opens the door to finding suppliers anywhere in the world. Keep reading and we’ll explain why.

Banks have a hard time with high risk

Banks in the Caribbean and Latin America (or LatAm) use the term high risk to categorize certain merchants (as all banks do around the world). The label high risk is linked to industries with either a “sinister” reputation or major financial risk (e.g. high chargebacks, high-ticket products, etc.). Fitness, life and business coaches, travel sites, ebook and info products, and property rentals are in this category. So are merchants involved in 18+ entertainment and retail, e-cigarettes, smoking accessories and cryptocurrencies. You could be a Medellin tube site operator, a São Paulo-based body-enhancement cosmetics store, or a health supplements vendor in Buenos Aires. Regardless of your company’s government-approved credentials, these business models are all high risk. This makes getting banking services tough. Therefore, if you’re operating a high-risk business in LatAm, it’s harder for your US or Canadian suppliers (and customers) to pay you.

In the last 90 days, there’s been a few news stories highlighting security breaches with the banking systems in Latin America. Just this past April, it was reported that a cyber attack hit the Bank of Mexico’s Interbank Electronic Payment System (SPEI). North Korean hackers are suspected of committing this breach. Millions of dollars were withdrawn with the use of fake bank accounts. The threat had an impact on five banks all connected to the same state-owned system. Now imagine you have a business bank account that was affected by this activity. What would be your next move?

The benefits of banking outside of your region

Banking outside of your region is a wise decision for several reasons. In the first place, with the right paperwork you can be boarded at a bank with a more advanced and secure infrastructure.

Secondly, it allows for bank account diversification. In fact, this should be common practice among all online merchants around the world, but unfortunately it’s not! Take the case of one of our clients from Mexico with an 18+ retail and entertainment store. They were desperate for a bank account due to frozen funds. The merchant could not pay their affiliates or their employees. Having two or more bank accounts ensure that funds will be accessible even if one account shuts down.

A third benefit of banking outside your region is flexibility during unstable economic conditions. Political conflict in many countries can affect global markets. Exchange rates fluctuate all the time, which supports the case for diversifying your money. Having a mixture of domestic and foreign currencies allows you take advantage of perks like lower interest rates.

Caribbean and Latin American merchants can get both a bank and merchant account

On June 1, we published an insightful blog on the advantages to US and Canada-based online sellers of getting an offshore merchant account. These strategies and benefits also apply to Latin American merchants who are high risk or just simply need banking services outside of their region.

Thinking Of Getting An Offshore Merchant Account? Here’s What You Need To Know

There are several benefits to getting an offshore high-risk merchant account. The first is that you will increase your online consumer market share. By setting up credit card processing to support buyers in other countries, you can significantly increase the number of cross-border payments depending on the location of your secondary market.

Secondly, you can process orders in more than one currency. For instance, let’s say you can buy cheap traffic in some EU markets. Add the right relationship with a bank that offers multiple currencies like Euros, British Pound, Norwegian or Danish Krone, or Swiss franc and see your conversions skyrocket!
With that in mind, remember to think globally! Translating your website to one or more languages is a great conversion tactic. Also, don’t forget to ensure you can affordably ship to customers in those secondary international locations. Determine your minimum order needed for free shipping, or the net profit margin after shipping and other expenses are deducted. Moreover, you should extend customer service hours in anticipation of more callers needing info and potential refunds.

To read more of this blog, click here.

Take advantage while you can

For many years Latin America-based banks were in a time warp. However, the internet, evolution of technology, and updated compliance policies have forced banks in the Caribbean and LatAm to advance. This growth takes time, but it is happening and with it comes a desire to prevent risk. This is why the DirectPayNet team has come to the rescue of a few high-risk merchants in the past six months. Our recommendation? Consider banking outside of your region!

Speak with one of our experienced experts about payment solutions for your ecommerce business. Contact DirectPayNet with Latin American banking questions and we’ll help you get started with cross-border processing or just a simple bank account!

July 5, 2018
The Cheat Sheet On Merchant Account Reserves (And How To Lower Them)
Merchant account reserves are a term you’ve likely heard of due to being categorized as high risk. As such, you’ve probably learned it means you hand a percentage of your sales to your card processor, but do you know why?

Merchants already deal with a lot of stresses in the ecommerce industry including running day-to-day operations, managing affiliate marketing, developing new products, providing customer support, etc. Furthermore, the last thing any merchant wants is to give up a portion of their hard-earned profits. With that in mind, a merchant account reserve or merchant reserve is a must for most high-risk merchants and startup businesses. The more you understand it, the better you can manage it and keep more of your online revenue for better cash flow.
Today we’ll discuss the basic definition of a merchant account reserve; its purpose, the different types of merchant account reserves, and how to reduce it (by as much as 5%, for example).

What is a merchant account reserve?

A merchant account reserve is a small percentage of transaction settlements held for a period of time (e.g. six months), but are later returned! It is essentially a security deposit that high-risk merchants and startup businesses with no processing history pay to their card processor. They vary by type, percentages and dollar amounts that the processor takes from a merchant account. This will depend on the acquiring bank you partner with and your business model (e.g. adult entertainment, nutraceutical, cosmeceutical, recurring billing, etc.).

Why do they exist?

The primary purpose of a merchant reserve is to protect a financial institution against unforeseen liabilities incurred by the merchant. What do we mean by liabilities? Well, if an online business slows down or closes entirely and customers decide to call their bank to initiate chargebacks, a reserve is there to cover those fees. Basically, a merchant account reserve is an escrow that protects the processor from any future financial loss.

A few examples of financial liabilities that processors avoid with merchant account reserves include:
- Lost sales orders
- High number of chargebacks
- Bank errors
- Disasters and “acts of God”
- Missing deliveries
- Anything that could cost the processor money
It might seem like a pain from your viewpoint, but it is usually a requirement. Are merchant reserves mandatory for all businesses, or is it just you? Well, regardless of how much money you make most merchants in high-risk industries will have a reserve. At DirectPayNet, we have experience negotiating the terms of a merchant reserve (for example: convincing providers to accept a flat amount instead of rolling reserve percentage).

Do they apply to you?

Every acquiring bank or processor has their own policy and require different businesses to have merchant account reserves. The most significant factor that affects the decision is the risk that the account poses to the bank. In the beginning as a rule of thumb when applying for a merchant account, all high-risk merchants will have a reserve as a condition of their agreement. But, if a merchant account has a low chargeback and refund percentage for 120 or more days, the acquiring bank may be open to lowering your reserve.

The Types of Merchant Account Reserves

There are four types of merchant account reserves. Your processor chooses the type depending on your business model and years in business.

Rolling reserve

The rolling reserve is most general type of escrow. With a rolling reserve, the processor holds a percentage of each credit card deposit for a specified period. This rate is usually set around 10% and the processor will hold it for six to twelve months. Funds are gradually released monthly, consequently the oldest are paid first (e.g. funds from February will be released in August).

Accrual reserve

An accrual reserve is a flat percentage of a merchant’s daily sales. This is collected until it reaches the required amount as agreed upon by the merchant and processor. Accrual and rolling reserves are frequently combined.

Capped reserve

With capped reserves, a percentage of each credit card deposit is held until the desired amount is reached. Each processor has their own terms, but typically the set cap is half of the merchants’ monthly processing volume. Sometimes it can be as high as the entire month’s processing volume. Merchants can negotiate with the bank to cease collecting sales. Therefore, a reserve begins, but is then capped to prevent the processor from collecting more money.

Up-front reserve

If you have limited processing history, your acquiring bank or processor may opt for an up-front reserve. Up-front reserves are very rare and most acquiring banks don’t apply this to merchant accounts. The reserve depends on the merchant‘s monthly volume. The processor routinely asks a merchant to provide financial statements documenting projected monthly volume. The processor might hold up to 100% of sales until the balance is funded.

What can you do to reduce your reserve?

There isn’t one magic wand to automatically reduce your reserve. However, it helps to have a solid merchant service provider as your advocate. Also, it helps to successfully mitigate the risks your business presents to your card processor.

At DirectPayNet, here are some strategies we advise:
- Reduce your chargebacks. Keep them at 1% for 3 to 6 months. Consistency is key! If your merchant account is volatile leveraging a reserve reduction with an acquiring bank will be hard. Maintaining consistent chargeback and monthly volume figures helps your processor feel confident about lowering reserves.
- Adopt a monthly billing cycle for cash flow security.
- Sell your own products to safeguard your brand’s reputation.
Other strategies

At DirectPayNet, we have worked with processors to reduce or remove our clients’ reserves. We will do the same for you! With our expertise, many of our successful clients grew to be multi-millionaires in their respective industries. We will implement a custom strategy for your high-risk business model, which will reduce your reserves in no time!

Call our direct line at 1 (800) 657-8272 or email our sales department to learn how we can help your business better manage your merchant account reserves and fees. Get in touch with us today to learn more!
May 14, 2018
Negative Reviews Could Affect Your Merchant Account Application

Negative reviews might affect your chances of getting a merchant account approved! Does the following story sound familiar? Say you’re a subscription, adult, dating, business opportunity, cosmeceutical, or nutraceutical merchant and you’ve been processing for a year or more. Your business generates five to six figures every month. Your company is growing and needs another merchant account. You apply on your own to multiple processors and acquiring banks. And then BOOM! You get rejected by all of them!

In the first place, your business model alone is high risk. Secondly, you are high risk AND your online reputation stinks. Double whammy! A few negative opinions aren’t a problem. It’s many pages of hostile comments scattered over the Internet that can affect whether you get approved or declined for a merchant account.

Throughout DirectPayNet’s history we have worked with multi-million dollar, high-risk merchants (even MATCH-listed ones) that often run into this nightmare. With our custom-tailored advice, they increase sales conversions, reduce fraud, and more importantly, repair their reputation. The result is merchant account approval! Here’s how you can survive negative reviews, too.

High risk + negative reviews can spell trouble

Have you already Googled your own company? You might see disparaging remarks about your product or service. Sites like BBB.org, Yelp and RipOffReport publish customer opinions all the time. Sometimes they’re anonymous. Negative reviews are normal for top-earning online businesses. Where merchants go wrong is when they don’t do anything about it.

Acquiring banks and processors hate risk. When they see negative content about a merchant online they immediately look for more.Whether or not the information is misleading or untrue makes no difference! There’s no incentive for a bank to approve you, because they are in the business of protecting their bottom line. Banks presume your business could affect their financial situation and contracts with credit card companies.

Take control of your online reputation. The first step is to hire an in-house community manager. This person should be designated to manage your reputation online. If a community manager isn’t feasible, find someone else in-house like a customer service representative that can dedicate up to 5 hours per week. A customer service representative is great, because they routinely handle client inquiries and complaints in your organization.

Your reputation manager should respond to negative comments online and offline. They should be a pro at customer support, social media management and be persuasive. Additionally, set up Google Alerts. One alert can include your brand name and keywords like reviews or customer reviews resulting in real-time updates. Another can include any tag relevant to your business so replies can be actioned immediately.

Seek an expert outside of your firm if you have no in-house talent to fight your critics. Hire a reputable and qualified SEO company to improve your reputation. Your SEO team should aim to get negative reviews indexed beyond page 3 instead of them being on 1 and 2.

Responding to your critics

Another step in the fight for your online reputation is to respond to negative reviews in a timely fashion! Over the years we’ve found that when high-risk, high-earning merchants implement fast response times to customer complaints they see a 45% decrease in chargeback incidents within 60 days.

The ideal response time should be within 24-48 hours! The longer negative comments go unanswered the worse your business looks depending on the severity of statements made. Have your community manager privately ask formerly unhappy customers to change their opinions about your product or service if you’ve remedied the situation. You may be surprised to find that your customers appreciate that their grievances were heard, and they end up agreeing to edit their review.

Moreover, it’s tempting to delete negative comments on your own website. This never bodes well for any merchant, as the Internet doesn’t forget. However, it may be warranted to ask the owner of an external website to remove a negative review if you’ve explained why the issue happened and someone is slandering your company.

Earlier we mentioned BBB.org as one of many sites online that publish reviews about businesses. If you are already registered there, make sure your profile is updated and clean. If you don’t have a published profile as yet do so, as it will be good for PR. Any company in the US and Canada can register on the site for free. Your goal should be to get an excellent rating. Monitor it regularly, because it can change at any time. Clearly, adopt measures to improve low scores right away by responding to negative complaints and reviews. If your business manages to achieve a superior rating, you can apply to become a BBB Accredited Business!

It might be time for a refund policy makeover

Sometimes disgruntled customers leave bad reviews about you online. However, if you pay attention to those remarks, you might discover the solution to their problem is already in your organization. Customers often complain about money (e.g. a company stole it or didn’t refund it). If customers complain about not getting their money back, it might be a good time to review your refund policy.

Not addressing customer complaints about refunds can result in unwanted chargebacks. This is dangerous, because it can ruin your processing history and your online reputation. This is especially detrimental for merchant account applications. (Processing history is essential for merchant account approval.) Here are a couple of solutions to prevent this.

First, review your refund and cancellation policies. Make sure it’s clearly communicated on your website. Acquiring banks look at these pages with a fine-tooth comb. You should do the same. How many days do refunds take? Did you clearly state the return address where the customer can send their order or cancel their subscription? Are return shipping costs involved and clearly described on your website?

Determine if you’re allowing a reasonable number of days for refunds to be requested. Some merchants have a 10-day refund policy. Perhaps you might need to be flexible and increase that to 15 or 30 days. Regardless of the number of days you allow for returns make sure it is clearly stated. It should be clear in your refund policy, terms and conditions, and cancellation policy too.

Also, train customer service to respond to requests more efficiently and quickly. Clearly communicating the number of days allowed for refunds and when they will be issued can prevent customers from bashing your brand online. This is crucial for preventing chargebacks. Equally it can mitigate negative reviews from happening in the first place.

Smear campaigns can hurt you

Donald Trump may have coined the phrase “fake news” but long before in the ecommerce world, fake reviews were and still are a thing!

The larger and more successful your business, the more haters you will have! That includes competitors who are desperate to ruin your reputation. Time and again we’ve seen this happen to our multi-million dollar clients. They get attacked with negative reviews and after a little research they learn it’s their competition causing the damage.

It’s important to do some research online to learn about the profiles and motives for discrediting your business. Have your community manager gather data about the people posting the negative reviews. Are they using real names or posting anonymously? Does their location in their review match their location cited in their order? Respond to the complaints and ask for an email, proof of purchase like a customer ID or some other transaction details to help remedy the situation. In some cases, no response from the customer might mean that their negative review is indeed a fake complaint.

If it’s possible, learn about the IP location of those anonymous, angry reviewers. If you get tangible proof of a smear campaign, you might feel compelled to take it to court.

Have your community manager conduct an audit of reviews found on the first three pages of Google. Develop a plan for gathering concrete evidence showing that your competitor is ruining your reputation. When enough evidence is collected, some merchants take legal action against the suspected individuals and organizations. There have been court cases that have resulted in convictions and fines over matters like this.

Some competitors lack creativity and innovation and are too lazy to win clients the honourable way. Therefore, be on alert, because they could be trying to steal your thunder!

Talk to your merchant service provider about negative reviews

Merchants don’t understand the merchant account application process thoroughly, but a good service provider will. It’s important to have a good relationship with an acquiring bank or processor. Most merchants end up sabotaging their efforts by applying to multiple banks with no plan or strategy, which could result in penalties! Few are aware that this leaves a negative impression with processors. Worse your credit score can take a hit.

Most banks are conservative by nature. As a result, high-risk merchants go through strict investigation. That’s why a service provider is there: we are advocates to help you navigate the process. The right provider can strategically guide you to approval through their acquiring bank relationships.

Seasoned providers don’t just fill in a form. It’s our duty to inform you about compliance, policies and regulations that might affect your application. Additionally, we negotiate pricing and work to get your high-risk businesses approved so they earn more revenue. DirectPayNet is very strategic in finding the right processor long-term. Service providers should be offering recommendations on how to be more compliant to gain an approval for your next merchant account. This by itself is a gamble and waste of your valuable time, especially if you’re on the verge of being or already are MATCH-listed.

The above is just a look at how cleaning up negative reviews and your online reputation doesn’t happen instantly. However, the effort proves invaluable for trying to get your next merchant account application approved.

Do you need another merchant account, but are too busy? Run out of options? Contact our experienced team so we can help you find a solution today!

May 2, 2018