June 2, 2017

3-D Secure 2.0: What Does It Mean for eCommerce Fraud?

3-D Secure

Will 3-D Secure End Fraud & Chargebacks Once & For All? EMVCo, the industry body that represents interests of the major card schemes, introduced 3-D Secure 2.0 back in October 2016. According to the organization, 3-D Secure 2.0 will improve the customer experience and deliver unmatched security. But will the technology really be as impressive as it sounds? The Benefits …

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May 22, 2017

Young Consumers Love Recurring Billing


Making the Most of the Business Model Embraced by Millennials Consumers and businesses constantly experiment with new ways to trade and share ideas. One of the best examples is in the rapid growth of the “subscription economy”—a reference to the rise in long-term business models based on recurring billing. However, consumers are embracing the subscription economy at very different rates …

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May 10, 2017

Monica’s Payments Expertise Recognized by PaymentsSource


Receives ‘Most Influential Women in Payments’ Award at Card Forum Event I was honored to be selected for the 2017 Most Influential Women in Payments list back in March. Even more rewarding, was the opportunity to meet and share ideas with the 24 industry leaders and innovators with whom I shared this distinction at this year’s Card Forum event on …

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April 20, 2017

The Dark Side of Biometric Authentication

Will Biometrics Be More Harm than Help in Stopping Fraud?

Will Biometrics Be More Harm than Help in Stopping Fraud? Biometrics have taken a leading position in antifraud technology since the introduction of Apple Pay in late 2014. It’s not hard to appreciate the applications of fingerprint, facial recognition, and other biometric technologies for eCommerce fraud prevention. However, is it possible that we may be jumping to premature overreliance on …

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March 1, 2017

Looking Beyond the Stats to Understand the True Fraud Situation

Analyzing Recent Data: What Fraud Trends Really Mean Merchants beware: there’s a super-storm of stats, facts and figures coming your way! We predict a chance of rampant hyperbole, followed by a recurring flood of good, solid numbers… followed again by rampant hyperbole. Every single day, the eCommerce environment is inundated with fear-inducing fraud trends, cringeworthy statistics, and an oversized list …

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February 7, 2017

Wearable Payments—Innovation or Instability?

Is the Industry Capable of Supporting the Disruptive New Technology? Current innovation in the payments and finance industries constantly challenges our methods of addressing common and often mundane processes. In the interest of increasing efficiency for consumers, professionals are seeking to streamline every aspect of the payment process and reduce friction wherever possible. For example, the latest FinTech disruption combines …

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January 20, 2017

The Most Noteworthy eCommerce Developments of the Last Decade

6 Things That Have Forever Changed the eCommerce Environment Ten years ago, long before I co-founded Chargebacks911®, I was getting ready to launch my first eCommerce venture. In the decade that’s passed, I’ve experienced first-hand the various innovations, regulations, and consumer trends that have impacted the industry. Some of those developments were more consequential than others. The key has been …

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December 29, 2016

Recent EMV Delay Means Fraud Threat is Even Greater

Online Merchants Must Act Now—While They Have the Chance According to the scheduled EMV transition that was agreed upon by the major card networks, the liability for fraud at both gas pumps and ATMs was originally intended to shift to merchants in October 2017. However, Visa, MasterCard, and American Express have all announced that the liability shift at gas pumps …

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December 5, 2016

Black Friday, Cyber Monday & the Rise of Mobile Shopping

Record-Setting mCommerce Sales Present Opportunities and Challenges The 2016 Thanksgiving weekend shopping event is now a thing of the past. U.S. shoppers set new spending records in 2016; however, a growing number of consumers opted to shop online rather than contend with the crowds, lines, and product shortages at brick-and-mortar retailers. Though “Cyber Week” deals continue to run as of …

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November 28, 2016

Reducing Dispute Friction? Not Without Consumer Education.

Simplifying Chargebacks Isn’t the Answer—We Need Informed Consumers First Traditionally, if a cardholder wishes to dispute a transaction, a simple call or email to the bank is all that’s required to initiate the process. The overall ease of filing a dispute is a leading causes for both accidental and intentional abuse of the chargeback process. Unfortunately, a recent announcement from …

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