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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)