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Credit card processing is evolving faster than most merchants realize. Between regulatory pressure, rising interchange fees, premium rewards cards, fraud sophistication, and changing consumer payment habits, the rules of accepting card payments are shifting—again. As we head into 2026, merchants that stay informed will protect margins, reduce risk, and gain a competitive edge. Those who […]

Chargebacks are more than just a frustrating part of doing business—they’re a direct hit to your bottom line. Whether you’re in retail, e-commerce, or a high-risk industry, knowing how to fight chargebacks and win is essential to protecting your revenue, your reputation, and your ability to process payments. In this guide, we’ll walk you through […]

Chargebacks are a frustrating reality for businesses that accept credit cards, especially in e-commerce and high-risk industries. While some chargebacks are legitimate, many stem from friendly fraud, unclear communication, or even customer error. Fortunately, with the right strategy and tools, you can fight back. This guide shares tips for improving merchant dispute win rates so […]

Simply put, refund fraud happens when a customer seeks a refund for goods they have purchased and received – but retains rather than returning the goods. Many businesses are apt to regard this kind of activity by “bad actors” – but let’s call them fraudsters, for that is what they are – as just an inevitable cost […]

What is Counterfeit Fraud? Chargebacks under Visa’s Reason Code 10.1 are initiated when a fraudster uses a counterfeit EMV (chip and pin) card and the rightful cardholder claims that they did not initiate the card-present transaction.   How it Happens In rare cases, a skilled fraudster may be able to physically tamper with a card’s […]