CBD Chargebacks: Why the Dispute Pattern Is Different and What Controls Actually Work
CBD chargebacks are different from ordinary e-commerce chargebacks because they cluster around a few predictable triggers: recurring orders customers forget they signed up for, billing descriptors nobody recognizes, shipments that stall or never arrive, and buyers who...
How Acquirers Underwrite a CBD Merchant: What Application Reviewers Look For Beyond the License
When an acquiring bank underwrites a CBD merchant, the license is the first thing it checks and the least of what it decides on. The reviewer is really asking one question: if this account is ever examined by the card brands, a regulator or the bank’s own...
What Tax Reporting Does a Business Take On When It Accepts Cryptocurrency?
When your business accepts cryptocurrency, the IRS treats the coins you receive as property, not money, so every crypto sale is reported as income at its U.S. dollar value on the day you were paid, and if you keep the crypto, selling or spending it later is a second...
Accepting Cryptocurrency Payments for an Online Retail Store: A Practical Guide
An online retail store can accept cryptocurrency without ever holding any, and for most stores that is the right way to do it. A crypto payment processor shows the customer a price in the coin they choose, takes the payment, and settles to your store in U.S. dollars,...
ACH Return Codes: What They Actually Tell a Merchant About a Failed Payment
An ACH return code is the bank’s short explanation of why a payment you pulled from a customer’s account came back. Read correctly, it tells you three things at once: whether the money is gone for good or can be tried again, whether the problem is the...
CEO - Nationwide Payment Systems
