Blog | Industry Insights

  • Mastercard cardholder signatures now optional on cards and receipts

    The lightning-fast pace of technology has dug deeper into consumers’ billfolds. Mastercard announced on Friday that signatures will soon be optional for all cardholders, not only on the card but on receipts, as well. Mastercard issuers will start distributing the signature panel-less cards in April, 2019. Having the luxury of get-it-and-go without having to sign…

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  • Experts weigh in on the future of payments (Part 1): The evolving transaction

    We’ve been surveying the fintech landscape as we head into Q4 of 2018. We’ve looked at the future of lending and trends in insurtech and insurance using a crowdsourced content model where we went directly to the Tearsheet community for guidance. The articles have been received well, so now we’re turning our sights to payments and what 2019 has…

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  • Preventing Friendly Fraud in Holiday Sales

    Preventing Friendly Fraud in Holiday Sales

    The big push. All hands on deck. Make or break the year. Yes, the holiday shopping season is soon upon us, and merchants are preparing to claim their fair share of sales. Deloitte’s annual forecast for the holiday season predicts holiday retail sales could top $1.10 trillion this year, an increase over the $1.05 trillion…

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  • Maximize Sales, Not Chargebacks

    Maximize Sales, Not Chargebacks

    Advances in e-commerce and payments have made completing purchases easier than ever for busy consumers. Whether signing up for subscription services for food, cosmetics, entertainment, or making an impulse buy on their mobile phone, consumers expect a frictionless experience. While card-not-present (CNP) merchants offer new ways for their customers to shop, their ongoing challenge is…

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  • Engaging E-Commerce Customers

    Engaging E-Commerce Customers

    For today’s customers, e-commerce provides an easy way to make a purchase. With the click of a mouse, tap or swipe, transactions are completed with minimal effort. For a merchant, a duck paddling furiously to stay afloat might be an apt metaphor. Their challenge is making the entire process easy and transparent, while also engaging…

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  • Extending Brand with M-Commerce and Frictionless Payments

    Extending Brand with M-Commerce and Frictionless Payments

    M-Commerce and frictionless purchasing, once industry innovations, have evolved into a necessity for today’s merchants. Once embraced only by innovators and early adopters, these and other advanced payment methods have “crossed the chasm” into acceptance by the majority of consumers. Beyond the convenience new payment methods provide consumers, can they be used for extending brand…

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  • A More Comprehensive Approach to Managing Chargebacks

    A More Comprehensive Approach to Managing Chargebacks

    Transaction disputes and managing chargebacks are facts that will always be part of the world of business. Ever since the introduction of the Fair Credit Billing Act in 1974, regulations are set to prioritize protecting consumers from prejudicial or unfair billing practices. At the time, the Fair Credit Billing Act was a logical response to…

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  • The Power of Transaction Data

    The Power of Transaction Data

    You’ve invested in tools to gather data on customers, including transaction data for purchase history, buying patterns that help generate highly targeted offers and personalized messages. The data you accumulate helps you discern what offers are effective, which marketing tactics generate the best results, and your customers’ preferred digital buying channels. There’s no question that…

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  • Data-Sharing Helps Merchants and Issuers Stop Chargebacks

    Data-Sharing Helps Merchants and Issuers Stop Chargebacks

    In more than 8 in 10 cases, when consumers contact the merchant first to dispute a charge, it is resolved before it becomes a chargeback. This finding from the recent Javelin Strategy & Research report, “The Chargeback Triangle,” should be encouraging to any merchant that deals with chargebacks. But compare  with another finding from that…

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  • Winning the Race Against Transaction Disputes

    Winning the Race Against Transaction Disputes

    The pace at which merchants must react and respond to transaction disputes is staggering. Due to the outdated dispute and chargeback process, it’s a race against a ticking clock to launch a successful representment case. The existing transaction dispute process lacks cohesion and collaboration, creating a never-ending cycle of unnecessary chargebacks, lost revenue, and increasing…

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