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BluePay Blog

Visa's New Chargeback Rules

Posted on May 22, 2018
In the retail world, chargebacks are very similar to refunds in that:  Successful sales are ultimately reversed.  “Unhappy” customers get their money back.  Though unlike refunds, chargebacks aren’t something you implement on your end as a merchant.  Instead, they’re initiated by the customer — with or without your consent.  Thanks to consumer protection laws, starting the chargeback process is very easy for customers.
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Topics: EMV, PCI Compliance and Fraud Prevention, Small Business Tips, Enterprise Business Tips

How Cognitive Technology is Changing Payments and Payment Security

Posted on May 18, 2018
Technology has forever changed payments and how we conduct transactions, both as businesses and as consumers. It's advancements in technology that are moving a world from paper currency to digital transactions. And, it's devices, like smartphones, that are convincing more people to change how they buy things.  Yet, as we know, online and mobile payments are not convincing for everyone. And, that's because of the continual news about fraud and data hacking. With payment security still a concern, we return to technologists to help us out. Cognitive technology is one potential strategy that is now being further developed that could be the game changer for payments and payment security. Here's why.
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Topics: Payment Technology, Payment Trends

Wire Transfer or ACH: Which Should You Use?

Posted on May 16, 2018
Wire transfers and the Automated Clearing House (ACH) network are two of the most popular ways to send and receive money electronically. In fact, both methods are so common that they’re often used interchangeably.  For many applications, wire transfers and ACH are essentially the same. But as a merchant, it’s important you understand how these two platforms differ. Doing so allows you to choose the right payment option for your business.  Let’s take a look. 
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Topics: ACH/eCheck Payments, Recurring Billing and Electronic Invoicing, E-Commerce and Online Payments, Small Business Tips

What is Synthetic ID Fraud?

Posted on May 14, 2018
Identity theft and payment fraud aren’t new problems. For years, the retail industry has struggled with fraudulent purchases via stolen credit cards or other payment data. This trend has become worse as we move more of our financial lives online.  Once compromised, ones and zeros can crisscross the globe at the speed of light — going through subsequent stages of duplication and manipulation.
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Topics: PCI Compliance and Fraud Prevention

Are Social Payments for You?

Posted on May 10, 2018
Paying through Facebook Messenger began over four years ago. It signaled a new way to make payments that have since spread to other social media platforms like Snapchat. Now, you can even make a payment through Skype. Due to the use of mobile devices and the instantaneous expectations of today's consumers, it's no wonder that social payments have exploded.
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Topics: Due.com Partner Posts, E-Commerce and Online Payments, Payment Technology, Small Business Tips, Payment Trends

7 Ways Small Businesses Can Prepare for Mother's Day

Posted on May 08, 2018
With yearly sales exceeding $23 billion, Mother’s Day is one of the most lucrative “spending” holidays on the calendar. Some lucky businesses are ideally positioned to take advantage of this annual event.  If you sell flowers, jewelry or spa treatments, for example, you’ll likely generate a lot of sales in the days leading up to Mother’s Day.   What if you don’t sell these types of items? How do you get the sons and daughters of America excited if your core business centers around the following products/services? 
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Topics: Fun Posts, Small Business Tips

Litecoin Versus Bitcoin: What are the Differences?

Posted on May 04, 2018
Introduced in 2009, Bitcoin was the world’s first-ever cryptocurrency.  It isn’t backed by any government. It’s not subject to banking regulations. It’s not controlled by any organization.  Instead, Bitcoin is a decentralized, digital currency that users can trade anonymously peer to peer. All transactions are encrypted and recorded in a public ledger, making Bitcoin largely immune to hacking or fraud. 
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Topics: E-Commerce and Online Payments, Payment Trends

How Quick is Quick Chip?

Posted on May 02, 2018
There’s a reason why the EMV credit card standard has been adopted globally. These chip-enabled cards are far more secure than their mag-stripe counterparts.  Whereas magnetic stripes are relatively easy to clone and forge, EMV cards are not. This makes in-store retail fraud more difficult. For a transaction to process successfully, the security chip must be physically present at the point of sale. 
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Topics: EMV, Payment Technology, PCI Compliance and Fraud Prevention, Payment Trends

Should You Use Messaging Chatbots for Service, Transactions and Support?

Posted on Apr 30, 2018
Chatbots are one of the latest technologies companies are adding to their list of tools. This technology helps to automate workflow and interaction with customers. It may seem challenging to replace part of the human component of the customer experience; however, chatbots seem to be working for many brands. And, the biggest benefit is using chatbots as a solution for customers who want immediate responses.  Here's what they are, how they can be used, and why you should consider this technology for your business.
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Topics: Due.com Partner Posts, Payment Technology, Payment Trends

How Will Net Neutrality Changes Impact My Business?

Posted on Apr 26, 2018
The Internet has forever revolutionized how we communicate, learn and even shop. Information is now democratized, freely available to anyone and everyone who has a connected device. As of 2018, this includes a lot of people.  According to recent estimates, nearly half of the world is now online — accessing the Web through billions of Internet-enabled computers, smartphones and tablets. 
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Topics: E-Commerce and Online Payments

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