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Six things to learn from’s holiday disaster

July 6, 2009

If you’re involved with e-commerce (and you don’t live under a rock), then you’re probably aware that, the biggest, and arguably the best, payment processor around, experienced a failure of Biblical proportions this past Friday morning.  A fire in their Seattle

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A fast fix for most AVS problems

June 30, 2009

For years, I’ve been a supporter of the Address Verification Service (AVS), especially when it comes to e-commerce. I’ve seen it protect merchants from thousands of dollars in loses. As a former e-commerce business owner myself (co-owner of, I used it to identify and prevent countless fraudulent orders that would have otherwise resulted in […]

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Three signs you have a bad processor

June 23, 2009

Let’s face it. Every processor is going to do things to make you unhappy from time to time. But that doesn’t necessarily mean you should leave them. For instance, all processors have to earn a profit, so don’t expect to find one with no fees whatsoever. (As an e-commerce owner myself, I had a goal […]

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EIRF: A nasty four-letter word for merchants

June 16, 2009

In this economy, nobody wants to pay more than necessary for credit card processing. But don’t waste time yet looking for a new processor (unless you plan to try me) just to save a few basis points. Stay put for now, and keep reading. I’m going to tell you about a simple policy change you […]

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The purpose of various terminal prompts (and why you shouldn’t skip them)

June 9, 2009

If you use a credit card terminal, and you’ve had it reprogrammed in the past year or two, you may have noticed some new steps were added to the checkout process. In these steps, the terminal may prompt you to enter additional information about the card or transaction. Unless you understand the purpose of these […]

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Guard your business against reloaded credit cards

June 2, 2009

With the abundance of stolen credit card data, it had to happen sooner or later… The thugs who purchase these numbers grew tired of only being able to use them online. They perfected a trick that allows them to use stolen CC numbers in respectable brick-and-mortar retail businesses. They only needed a source for stolen […]

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