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
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
When I first heard about Visa’s new Acquirer Monitoring Program (VAMP), I knew it would change how merchants handle disputes and fraud. This comprehensive overhaul consolidates multiple programs and introduces stricter requirements that will affect businesses of all sizes. If you process Visa transactions, you’ll want to understand these changes before they take effect. What … Read more
Have you ever checked your bank statement and spotted a transaction you didn’t recognize? If so, you’re not alone. As an online merchant, I’ve seen the other side of this experience—and it’s equally confusing and frustrating. Chargebacks can feel like a sucker punch to any business. They come without warning, drain your revenue, and leave … Read more
One minute you’re celebrating a successful sale, and the next, you’re facing a dispute that costs you both the merchandise and the revenue. It’s frustrating, expensive, and unfortunately, increasingly common. As a merchant in today’s digital marketplace, chargebacks are a growing threat that can seriously impact your bottom line. In 2023 alone, global chargeback volume … Read more
Have you ever woken up to an email notification about a chargeback on your business account? It’s that sinking feeling when you realize you’ve not only lost a sale, but you’re also facing additional fees and potential damage to your merchant account. I’ve been there, and it’s not fun. As online transactions continue to dominate … Read more
It’s important to understand chargeback alerts because by 2026, the number is expected to rise to 337 million, which is a 42% increase! Let’s dive into what chargeback alerts mean for you and how you can stay protected. Why Are Chargeback Alerts So Important? A chargeback alert is like a warning bell. It tells you … Read more