Blog | Industry Insights

  • Logical Process & Solid Methodology Transcend Industry

    Henry Ford specifically set out to revolutionize how automobiles were manufactured. Since then, his “assembly line” process has been widely adopted to build everything from computers to hamburgers. Even if your business may not depend on coding or provide Software as a Service (SaaS), there are eye-opening lessons in process, methodology, and team management to […]

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  • Avoiding the Holiday Chargeback Blues

    Although the holiday shopping season starts earlier every year, the transaction frenzy really begins with the sales juggernaut of Black Friday and Cyber Monday. According to an Adobe Analytics survey, 70% of responding U.S. consumers planned to shop over this year’s four-day period beginning the day after Thanksgiving. For the second year in a row, […]

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  • Using Customer Data to Manage Chargebacks

    Using Your Customer Data to Manage Chargebacks Chargebacks and disputes are a part of doing business, but they don’t have to be handled at the cost of doing business. Most merchants already have the tools to prevent disputes and recover losses from chargebacks, and all it takes is a little strategy and time to protect […]

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  • A Positive Outlook on Negative Option Billing

    In revised standards to technical document AN 2202 posted on the Mastercard Technical Resource Center, Mastercard has determined to impose a global mandate that may have serious implications for how you do business. This mandate applies to merchants that use a negative option billing model. Negative option billing is the billing practice of offering a […]

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  • Catch Up with the Mastercard Dispute Resolution Initiative

    In October 2018, Mastercard released its official phased plans to streamline outdated and redundant chargeback processes. The overall goal of the initiative is to reduce the number of invalid disputes that cost merchants time and money and drive up costs for both issuers and acquirers. Following Visa’s update of Fraud and Chargeback Program thresholds, you’ll […]

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  • Change Is on the Horizon – 2019 Updates to Visa Fraud and Chargeback Programs

    2018 was the “Year of Change,” with more payment brand updates than we’ve seen in quite some time. From Visa Claims Resolution (VCR) and Visa Merchant Purchase Inquiry (VMPI), to 3D Secure 2.0 and MasterCard Dispute Resolution Initiative, the focus to reduce fraudulent and disputed transactions continues to evolve at a rapid pace. As the most […]

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  • Fighting the Right Disputes with the Right Partner

    Family Fraud Recent news headlines highlight growing instances of family fraud in card-on-file, frictionless payment scenarios. Fighting disputes that result from such fraud cases can cause customer attrition and brand damage. Due to a lack of visibility and authentication in frictionless transactions (such as in-app purchases), mounting a dispute response against a family fraud case – without […]

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  • CNP fraud a clear and present danger, Juniper warns

    U.K.-based Juniper Research projects $130 billion in card-not-present (CNP) fraud over the next five years, largely driven by seasonal opportunism and emerging mobile and real-time payments schemes. Mass migration to new payment methods without advanced authentication and risk management protections will lead to catastrophic outcomes, researchers noted. Online Payment Fraud: Emerging Threats, Segment Analysis & […]

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  • Dispute Management in the Frictionless Age

    Let’s face it. Technology has spoiled us to the extent that things we couldn’t conceive as possible are now part of everyday life. Whether it is communicating instantly via text, video-chatting with loved ones across the world, or making a purchase with a swipe, tap, or click, it is much easier to get things done […]

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  • Chargeback Prevention and Brand Loyalty in the Holiday Season

    Many merchants bank their entire year’s success on sales generated during this ultra-busy shopping season. The pressure is on to maximize sales and best practices of customer service. In addition, merchants must be vigilant in their practices to identify and stop fraud, and ensure solutions are in place for reliable chargeback prevention. From a sales […]

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