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EMV Chargebacks & Liability

EMV Liability Shift

EMV Liability Shift: Where Things Stand

The EMV liability shift introduced by the major credit card networks went into effect October 2015. It was designed to encourage merchants, banks, and consumers to make EMV “chip” cards their preferred type of payment card transaction.

SMS Verification

How SMS Verification Can Help You Reduce Risk and Identify Your Customers

Verifying customers can be a pain, even under the best of circumstances. It can be a bigger problem during peak sales periods,

COVID-19 & New Payment Channels

Merchants Explore New Payment Channels to Survive the Pandemic. But What Are the Risks?

Online merchants have long known the importance of providing multiple payment options. The more channels through which customers can give you money means…well…more customers will give you money.

Chargeback Time Limit

Reviewing the Chargeback Time Limit for Banks, Cardholders, & Merchants

The chargeback process involves many different players, including merchants, banks, cardholders, processors, card networks, and third-party vendors. With all the back-and-forth necessary to resolve a dispute,

2020 Holiday Roundup

What Merchants Can Learn from the 2020 Holiday Season

As we discussed in other blog posts earlier this year, eCommerce has been one of the few bright spots in an otherwise pretty dismal 2020.

Mastercard Excessive Chargeback Merchant Program

The Excessive Chargeback Merchant Program: Mastercard’s New Approach to Managing Disputes

The Excessive Fraud Merchant (or EFM) and the Excessive Chargeback Merchant (or ECM) designations are two new programs instituted in 2019 by Mastercard.

Mastercard Excessive Fraud Merchant Program

The Excessive Fraud Merchant Program: Mastercard’s New Approach to Managing Fraud

The Excessive Fraud Merchant (or EFM) and the Excessive Chargeback Merchant (or ECM) designations are two new programs instituted in 2019 by Mastercard.

eCommerce Site vs. Marketplace

eCommerce Site or Online Marketplace: What’s the Right Choice for Your Business?

You’re probably familiar with online marketplaces, at least to some degree. If you’ve ever bought something on a site like eBay or Etsy,

TC40 Data

Can TC40 Data Help You Prevent Fraud & Chargebacks?

Every merchant wants to get a leg-up in the fight against fraud and chargebacks. Some believe that TC40 data is the “silver bullet” that can help stop chargebacks before they happen.

Clean Fraud

What Is Clean Fraud, and Why Is It So Difficult to Detect and Prevent?

“Clean fraud” is one of the most insidious challenges facing eCommerce merchants today. This fast-growing threat is typically the work of hardcore,