TL;DR: Five Things to Know About Declines and Fraud Visa’s VCA Maximize Merchant Success insights identify insufficient funds as the most common card decline reason across all regions, which means the single largest decline...
TL;DR Visa’s 2026 Dispute Resolution Press Release reported processing 106 million disputes globally in 2025, a 35% increase since 2019, so rising chargeback dispute volume is an industry-wide operational reality, not a sign that...
TL;DR: 5 Things To Know Before Comparing Pricing Models Interchange is not your bill. Visa’s Regulations and Fees for Small Business defines interchange reimbursement fees as transfers between acquiring and issuing banks. You pay...
TL;DR Visa’s VisaNet Connect Acceptance Docs define credit card processing as a sequence of authorization, clearing, and settlement, establishing that an approved payment is a series of events rather than a single moment. Authorization...
TL;DR: 5 Things to Know About CNP Fraud Card-not-present fraud is the unauthorized use of payment credentials when the card is not physically presented. Visa’s Ecommerce Fraud Insights report states that most e-commerce fraud...
TL;DR A merchant cannot block a cardholder from filing a dispute, but Visa’s Merchants’ Dispute Management Guidelines require the merchant to accept or reject the dispute after the processor forwards it, with the response...
TL;DR: Key Takeaways on Credit Card Processing Authorization and settlement are separate services. Visa’s own acceptance documentation describes an authorization service and a distinct clearing-and-settlement service (Visa, 2018), which means an approved screen is...
TL;DR: Five Things Merchants Should Know About Payment Fraud One in five Canadian businesses reported experiencing payment fraud in the prior six months, and 15% lost money from it, according to Payments Canada research...
TL;DR: What Merchants Need to Know About Chargebacks If you are asking, “What is a chargeback?”, it is a formal payment dispute that reverses a transaction through the issuer and acquirer, not a customer-service...
Choosing merchant services should start with one plain question: who is actually accountable when something breaks? A merchant services provider is a company that helps your business accept card payments and moves money from...
