What is a Merchant Account Reserve? When & Why Do I Need One?
If there is one element of credit card processing that is universally dreaded by all merchants, it may be the merchant account reserve.
High Risk Articles
High-Risk Business
What is a High-Risk Business? What Does This Mean for Your Bottom Line?
“High-risk business” is a designation applied by payment-card processors. It’s usually based on two general criteria: your industry (some verticals aren’t as stable as others) and your specific situation (things like credit history,
Visa Dispute Monitoring Program
What is the Visa Dispute Monitoring Program? How Can the VDMP Affect Your Business?
The Visa Dispute Monitoring Program, or VDMP, gives Visa a way to keep tabs on chargeback activity at the merchant level.
Visa Chargeback Threshold
Visa Chargeback Thresholds Have Changed: Are You Compliant?
Visa chargeback thresholds are the formal chargeback limits placed on merchants by the card network. Visa maintains its own predetermined monthly limit for the number of disputes it considers "acceptable." Breaching the Visa chargeback threshold or fraud threshold can have serious consequences.
Mastercard Chargeback Threshold
What is the Mastercard Chargeback Threshold? How Do I Know if I’m Compliant?
Like other card networks, Mastercard maintains its own predetermined monthly limit for the number of chargebacks considered “acceptable.” Merchants and banks commonly refer to this as the Mastercard chargeback threshold.
Mastercard Excessive Chargeback Merchant Program
The Excessive Chargeback Merchant Program: Mastercard’s New Approach to Managing Disputes
The Mastercard Excessive Chargeback Merchant (or ECM) and the Excessive Fraud Merchant (or EFM) 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 Mastercard Excessive Chargeback Merchant (or ECM) and the Excessive Fraud Merchant (or EFM) designations are two new programs instituted in 2019 by Mastercard.
MATCH List
The MATCH List: What it Means to Be Listed (and How to Avoid it)
The Mastercard MATCH List usually means trouble for merchants who end up there. While the name may sound like a dating site or a game show,
Excessive Chargeback Level
Will an Excessive Chargeback Level Lead to Your Business’s Demise?
Excessive chargeback levels can—and have—put merchants out of business.
Chargebacks are a huge revenue drain, with merchants losing over $3 to every dollar of a transaction.
Account Reserve Requirements Increasing
Banks Increase Merchant Account Reserve Requirements in Key Verticals. Will You be Impacted?
The financial consequences of the COVID-19 crisis continue to reverberate throughout the market, even months after the beginning of the pandemic.