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written by Benjamin Joyeux, CEO and Founder of eFlow Processing

Understanding a payment orchestrator - end to end solution to coordinate various aspects of the payment process within a business or financial ecosystem.

How can you as a merchant implement a multi-layer strategy against friendly fraud and chargebacks to safeguard your business?

The COVID-19 pandemic accelerated the shift to online shopping, resulting in a surge in Card-not-Present (CNP) transactions and chargebacks. As e-commerce continues to thrive, this blog post explores the evolving landscape of chargebacks, including the rise of CNP fraud, the global chargeback volume projection, and regional trends. It also highlights the importance of adapting strategies to effectively manage and prevent chargebacks in this new digital commerce era.

💡As a high-risk merchant account provider, we understand the seriousness of card fraud and its potential impact on the financials and reputation of an ecommerce business. This issue becomes even more significant in the High-Risk sector, where the nature of the products and services makes merchants more vulnerable.

What is Delayed Capture? It simply means pre-authorizing the payment at the point of purchase and then capturing the funds at a later, more strategic time.

eFlow Processing, a leading independent sales organization (ISO) in the high-risk payment industry, is pleased to announce that Robbert van Schaick has been appointed as the company’s Head of Sales, effective September 1st, 2023. In his role, Robbert will focus on expanding eFlow’s consistently growing portfolio, as well as nurturing and strengthening relationships with existing clients.

Learn a bit about Authorization codes and familiarize yourself with the list of nearly all the identifiable codes out there!

Learn about Ethoca Alerts and how you can catch and prevent MasterCard chargebacks from occuring

The ever-present challenge for every eCommerce merchant – card fraud. A code used to label a type of dispute related to fraud - 10.4 - described as ‘other fraud’ in a ‘card-absent environment’, meaning; the internet, mail-order and phone-order is often abused and pertains to ever-present cases of friendly fraud in ecommerce. These cost a substantial amount of money to the merchants, since the liability for handling the dispute costs is ultimately in their hands.

eFlow Processing, a leading independent sales organization (ISO) in the high risk payment industry, is pleased to announce that David van der Plicht has been appointed as the company's new Head of Risk & Acquirer Relationships, effective May 1, 2023.

As a merchant, accepting prepaid cards can be challenging due to the high rate of declined transactions. This is partly due to the fact that prepaid cards do not require a credit check, and the issuing bank may not have information about the cardholder's creditworthiness. Additionally, prepaid cards have lower spending limits than traditional credit cards, which can lead to more declined transactions.

Recurring memberships are becoming increasingly popular in the world of online retail. They provide a steady stream of revenue for businesses, as opposed to one-time sales.

Cascading or smart routing is an essential technique for online businesses that accept credit card transactions. It can help to reduce costs, increase the chances of a transaction being approved, reduce the risk of chargebacks and fraud, avoid merchant account suspension, and improve customer experience.

Anti-fraud systems are a crucial tool for businesses accepting credit card transactions online. These systems detect and prevent fraudulent activity, saving businesses money and improving customer trust.

The 3DS 2.0 protocol replaces 3DS 1.0, adapting to the changes in payment methods of the 21st century. Find out more about it and its benefits.

E-merchants are facing many challenges, and, among these, the most common is fraud, which includes friendly chargebacks and friendly fraud when using credit card. It happens when a customer disputes the payment of a product or service with the bank instead of asking for a refund. These chargebacks also have consequences for the merchants, both in terms of fees and reputation.

Discover 6 steps to decrease your chargeback ratio

Learn about RDR and what this powerful tool can do to help your business thrive like never before.

Merchants a classified by Visa based on their Merchant Category Code (MCC). It is four-digit number that describes a merchant's primary business. Here is the list of High Risk MCCs.

Acquirers impose specific payment terms to protect themselves against bad debt. In this blog post, we will focus on the Rolling Reserve.

Understand the two Visa Monitoring Programs: Visa Fraud Monitoring Program (VFMP) and Visa Dispute Monitoring Program (VDMP)