The USPS Is Causing Chargebacks!
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The USPS Is Causing Chargebacks!

The United States Postal Service is causing many merchants to get chargebacks from their customers due to their inability to do their job and deliver packages in a timely manner with accurate tracking information. When a consumer purchases something from a business, they expect the item to be shipped and delivered in a timely fashion….

Are You Shopping Locally For Your Payment Processing?

Are You Shopping Locally For Your Payment Processing?

With COVID-19 and government regulations wreaking havoc on the small business community across the country, it’s incredibly important for small businesses to stick together. Everywhere I turn, I hear business owners talking about the importance of shopping locally. Why buy from Amazon when you can support a local business, right? Well, why use Square for…

Merchant Services Account Structure Part 2

Merchant Services Account Structure Part 2

In this video we offered some clarification on statements made in the previous video regarding interchange pricing and downgrades when a transaction fails the AVS. If the account is structured as a MOTO (mail order telephone order) or e-commerce account, you will not get an interchange downgrade if the billing address is wrong. However, you…

Don’t Lose Money Because of Chargebacks.

Don’t Lose Money Because of Chargebacks.

Here are 3 helpful tips to prevent financial losses because of chargebacks: 1. Document everything. Literally everything, including exclusions. 2. Keep good records, and have them readily available. 3. If you do issue a full or partial refund to resolve the chargeback, be sure to issue it digitally on the card you originally charged. DO…

Visa & Mastercard Guidelines for Declined Transactions
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Visa & Mastercard Guidelines for Declined Transactions

If you’re a business trying to run a card-not-present transaction on your customer’s card, Visa and Mastercard have specific guidelines about how you should proceed if the initial transaction is declined: A card should always be run for the full amount owed, splitting a charge into lesser amounts on the same card simply increases the…

Don’t Use DoorDash or GrubHub for Carryout!
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Don’t Use DoorDash or GrubHub for Carryout!

If you regularly order carryout from a local restaurant, considering ordering from them directly through their website or over the phone as opposed to using DoorDash, GrubHub, Uber Eats, and the like. These companies can charge 30% to the business for orders that come through their platform even if the customer is coming to pick…

High-Dollar Declines

High-Dollar Declines

There are a number of reasons your customer’s card is declined. Maybe they don’t have the funds available. Perhaps you keyed in the card number wrong. It’s possible that the AVS (address verification service) failed because the billing address entered is incorrect and your gateway is setup to decline such transactions. There are a host…