MCC codes: how your category sets your rates, your risk and your declines
What a merchant category code does, the codes online sellers usually get, what the wrong one costs, how to check yours and when to run two merchant IDs.
Read →Rolling reserves: why processors hold your money, and how to get out of one
What a rolling reserve is, what triggers one mid contract, how to get it reduced or capped, and how to model it in cash flow instead of treating…
Read →What tokenisation really is, and why the card number never touches your server
Gateway tokens against network tokens, what happens to a card at the checkout, what a token can and cannot do, and the merchant initiated flag that causes mystery…
Read →Gateway, processor, merchant account: who actually holds your money
A payment gateway, a processor, an acquiring bank and a merchant account are four different things. Here is what each one does, who holds your money, and who…
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