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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

The Importance of AVS and CVV for Chargebacks

Posted on Mar 23, 2018
Whenever customers are unhappy with products or services, they can request a refund directly from you — the merchant.  This is usually an unpleasant experience, and retailers often go out of their way to avoid issuing refunds. The alternative, however, is much worse.  These dissatisfied customers also have the option of disputing purchases and initiating chargebacks through their banks. The banks then credit those users’ accounts before chasing you down for the outstanding balance. 
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Topics: EMV, E-Commerce and Online Payments, PCI Compliance and Fraud Prevention, Small Business Tips, Enterprise Business Tips, Getting Started with Payments

What is the Difference Between a Chargeback and a Refund - and How to Avoid Them

Posted on Mar 21, 2018
In the retail world, chargebacks and refunds are often used interchangeably to describe situations in which dissatisfied customers want to reverse purchases and get their money back.  As a merchant, you lose the sales either way — which is why these return policies are so often confused.  Although chargebacks and refunds share much in common, there are major differences between the two. As a retailer, it’s important that you understand how they work — and what steps you can take to reduce their frequency. 
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Topics: E-Commerce and Online Payments, PCI Compliance and Fraud Prevention, Small Business Tips, Enterprise Business Tips, Getting Started with Payments

6 Steps to Handle Chargebacks

Posted on Mar 19, 2018
For most merchants, issuing refunds is the least pleasant part of running a business. This happens whenever customers are “unhappy” with a purchase and want their money back.  If you sell products, you may be able to repackage and resell any returned items. After delivery expenses, restocking fees and other associated costs, you might be able to recoup some of your losses.  If you sell services, however, refunds typically represent a direct and irretrievable loss.  As unpleasant as refunds are, there are even worse ways to lose money. For example, an unhappy customer can always initiate a chargeback instead. 
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Topics: PCI Compliance and Fraud Prevention, Small Business Tips, Enterprise Business Tips, Getting Started with Payments

Keeping Up with Payments - A Comprehensive Resource Guide

Posted on Feb 19, 2018
Did you know that retail digital commerce on desktop and mobile reached $100 billion in the third quarter of 2017 for the fourth consecutive quarter? That’s not just impressive, it’s also a pretty good indicator on what the future of online payments holds.  The problem is that the world of online payments is changing so rapidly, it can be a challenge to keep up. Sometimes, all the latest news about the advancements in payments doesn't even make sense. That’s why we’ve put together this handy list of resources to resolve that problem.
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Topics: Due.com Partner Posts, E-Commerce and Online Payments, Payment Technology, Small Business Tips, Enterprise Business Tips, Payment Trends, ISV/VAR

5 Top Technology Investments for 2018

Posted on Jan 04, 2018
Welcome to 2018! If you haven’t already, it's time to create a growth strategy and budget. You may have used all types of technology to help get you where you are today. You need to consider technology investments to further what you can achieve. Here are five of the top technology investments that are worth considering as we begin 2018:
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Topics: Due.com Partner Posts, Payment Technology, Enterprise Business Tips

Protect Against Cyber Attacks: 4 Strategies for Merchants

Posted on Oct 02, 2017
First introduced by the Department of Homeland Security and the National Cyber Security Alliance in 2004, Cyber Security Month was designed to raise awareness of how we interact with and manage the “Internet of Things.”
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Topics: PCI Compliance and Fraud Prevention, Small Business Tips, Enterprise Business Tips

Financing Your Business with Merchant Cash Advances

Posted on Aug 25, 2017
There are times when merchants need a quick infusion of cash to help cover upcoming expenses, whether those include: 
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Topics: Small Business Tips, Enterprise Business Tips

What Types of Businesses are Most Affected by Chargebacks?

Posted on Jul 18, 2017
Chargebacks are becoming one of the biggest payment challenges for businesses of all sizes today. While some chargebacks are completely legitimate, it turns out that fraudsters have figured out a way to get more free merchandise using this refund technique. This becomes especially true when it turns out that credit card issuers, like banks, often rule for the cardholder (or fraudster posing as the card holder). Although any business can fall victim to this type of fraud, there are some businesses that have been identified as being more likely to be affected. These businesses are then labeled high risk by credit card processing companies and must contend with higher fees or the inability to even get a merchant account.
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Topics: Due.com Partner Posts, Guest Blog Posts, Small Business Tips, Enterprise Business Tips

Advancements In Fraud Protection Tools

Posted on Jun 28, 2017
According to The Nilson Report, payment fraud exceeded $24 billion in 2016, with the lion’s share of those losses occurring in the United States. The problem figures to get worse, with experts predicting payment fraud to surpass $31 billion worldwide by 2020 — hacking strategies continue to evolve as thieves become more creative.
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Topics: PCI Compliance and Fraud Prevention, Small Business Tips, Enterprise Business Tips

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