Articles on Fraud & chargebacks
Chargebacks, disputes, and fraudulent payments: how they are spotted, which evidence works, and what they cost.
15 articles
B2B invoicing deadlines, offline card payments and stablecoin orchestration
We review the divergence between VeriFactu and B2B e-invoicing, Mastercard's offline payment mandate, and new corporate stablecoin rails.
AI risk models, mobile card personalization, and digital money according to the ECB
Plaid unveils AI tools to mitigate fraud and payment risk, Wells Fargo introduces debit card customization in its app, and the European Central Bank addresses tokenization.
Credit access via open banking, invoice fraud protection, and the ECB's policy diagnosis
We examine open banking's role in tackling credit exclusion, Basware's purchase of Trustpair, and monetary challenges outlined by the European Central Bank.
Mid-cycle plan changes: proration, immediate charges, and invoice transparency
We explore the mechanics of subscription proration, the operational trade-offs between instant and deferred billing, and how to display charges clearly.
Apple Pay and Google Pay without the marketing: network tokens and fraud reduction
Far from simple digital wallets, Apple Pay and Google Pay rely on network tokens and dynamic cryptograms. We examine their technical mechanics and fraud impact.
What changes with PSD3 and the PSR: spoofing fraud, refunds, and transparency
The EU's updated payment framework splits its rules between a directive and a directly applicable regulation. Here is what it means for merchants, gateways, and consumers dealing with social engineering fraud.
Free versus paid trial periods: technical impact on conversion, payment failures, and churn
Choosing between a free or paid trial alters sign-up rates, card processing workflows, payment failure frequency, and exposure to dispute costs.
The hidden cost of failed payments: return fees, retries, and lost customers
When a recurring transaction fails or a customer disputes a charge, the problem goes far beyond unpaid invoices. Direct processing fees, operational overhead, and involuntary churn multiply the true financial impact.
Personal data in payments: what GDPR says about emails, addresses, and purchase history
GDPR requires limiting data collection to the minimum necessary, but tax laws and fraud prevention mandate retaining transaction records. We analyse which legal bases justify each data point and for how long.
Bizum, card, or bank transfer: which method to offer and what each one costs
We analyse the operational differences, processing fees, fraud risks, and settlement times of cards, Bizum, and bank transfers for an online store in Spain.
Strong customer authentication (SCA) and 3D Secure: requirements, exemptions, and conversion
Strong customer authentication curbs card fraud but introduces checkout friction. We examine when the mandate applies, available exemptions, and how to protect conversion.
Friendly fraud: when cardholders dispute legitimate charges and the evidence that defeats them
Friendly fraud occurs when genuine customers dispute real purchases with their banks. We examine how this mechanism works, the evidence regulations require, and how to contest unjustified claims.
Cancelling a subscription in one click: consumer regulations and the true cost of retention tricks
Obstructing digital subscription cancellations not only breaches European consumer law, but also drives bank chargebacks. We examine what the rules demand and how to design clean cancellations.
Risk rules at checkout: velocity, geolocation, and smart authentication
Configuring effective risk filters in the payment gateway prevents fraud without hurting conversion. We examine how to assess velocity, IP, and issuing country to decide when to require 3D Secure.
Refunds and chargebacks: managing disputes to protect your online business
Understanding the difference between refunds and chargebacks is crucial for any e-commerce business. We analyze deadlines, necessary documentation, and effective strategies to reduce dispute rates, minimizing losses and optimizing your business operations.