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Card on file transactions – enabled by merchants’ retention of customers’ card details following a purchase – have been standard practice in e-commerce for many years. It’s how subscription and recurring payment business models operate. It’s how Amazon’s popular “buy with one click” option works. And it’s the only way in which digital wallets such […]
Offering customers a discount to pay with cash can be a smart move for some businesses – not least because of the savings in card processing fees. But it’s not a model that works for everyone. And for all merchants, there’s a right and a wrong way to go about it. How Not to Reward […]
Payment industry sources estimate that for every $100 in chargebacks, the true cost to the merchant may be anywhere between $240 and more than $300. Much of this staggering figure is accounted for by easy to identify direct costs such as lost revenues and profits, fees, and higher transaction charges. But chargebacks also give rise […]
Keeping chargeback costs to a minimum is essential to the bottom line of your business. And it can be a significant challenge to stay ahead of the numerous causes of chargebacks and their associated Reason Codes. But one simple step that can help is to use one or more of the many systems of delivery […]