Charge Alerts 
In this post, I’ll walk you through everything you need to know about your dispute rights as a cardholder. From understanding the laws that protect you to the step-by-step process of filing a dispute, I’ve got you covered. Recent statistics show that 96% of credit cardholders who filed a dispute had a successful resolution, so … Read more
The endless back-and-forth, the mounting paperwork, and the constant worry about chargebacks eating into profits. It’s exhausting! That’s why I was thrilled when I discovered Rapid Dispute Resolution (RDR) – a game-changing approach that has revolutionized how businesses handle payment disputes. In this post, I’ll share how RDR can dramatically cut your dispute resolution time … Read more
Last month, I bought a pair of headphones that never arrived, and figuring out the chargeback process with my gift card seemed more complicated than with my regular credit card. Whether you’re dealing with an unauthorized transaction, merchandise that never arrived, or a merchant who won’t cooperate, understanding the Visa gift card chargeback process is … Read more
Visa card offers protection through what’s called a “not as described” chargeback. In this guide, I’ll walk you through everything you need to know about filing a Visa chargeback when products or services don’t match their description. I’ll share the exact steps to take, timeframes to be aware of, and tips to improve your chances … Read more
The good news is that banks have a system called “chargebacks” to help protect customers like you and me from fraud, mistakes, and unfair charges. In this article, I’ll walk you through everything you need to know about the chargeback process in banking. I’ll explain how it works, when to use it, and what to … Read more
Understanding declined transactions: Have you ever stood at a checkout counter, swiped your credit card, and felt that stomach-dropping moment when the transaction is declined? I know I have, and it’s not just embarrassing—it’s confusing. With approximately 15% of recurring credit card transactions being declined (according to Visa and Mastercard data), this isn’t a rare … Read more
In today’s digital world, fraud detection notifications have become essential tools in our financial safety toolkit. With credit card fraud increasing by 13% in 2023 alone (with 440,666 reported cases), these automatic alerts serve as our first line of defense against financial criminals. In this post, I’ll explain how modern fraud detection notification systems work, … Read more
I’ve been in the online payments industry for over a decade, and if there’s one constant, it’s this: fraud never sleeps. In 2024 alone, I watched organizations battle an onslaught of increasingly sophisticated attacks while fraudsters developed new techniques faster than many businesses could respond. The numbers are staggering – with the U.S. Treasury preventing … Read more
I recently dove deep into the world of Visa enumeration attacks, and what I discovered was eye-opening. These sophisticated attacks are costing businesses billions each year, yet many merchants remain unaware of how they work or how to prevent them. In this post, I’ll break down what Visa enumeration attacks are, why they’re so dangerous, … Read more
In this guide, I’ll walk you through everything you need to know about American Express chargebacks – from filing a dispute as a cardholder to responding as a merchant. With Amex having higher chargeback rates ($322 per chargeback) compared to other card networks ($222), understanding this process is crucial for everyone involved. Whether you’re trying … Read more