The “buy now, pay later” story has always had two versions running simultaneously. In one version, installment payments are a conversion miracle: higher order values, new customers, reduced cart abandonment. In the other, they’re a dangerous liability, promising overleveraged consumers, regulatory exposure, and merchant fees that quietly erode margins that headline rates don’t reflect. Both versions are true, at least …
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I’m pleased to share that I’ve been named as a finalist in the Women in PayTech Award category at the 2026 Payments Awards! Being included among this group of industry leaders is genuinely meaningful to me, and I’m grateful to the organizers for the recognition. The Payments Awards celebrate excellence and innovation across the payments industry. Organizers spotlight the individuals …
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Mastercard’s Scam Merchant Monitoring Program went into effect on July 24, 2026. If you process card-not-present transactions, this change affects you. Not hypothetically, and not eventually. I mean right now. Today. The program adds a third layer of compliance monitoring on top of the Excessive Chargeback Program (ECP) and the Excessive Fraud Merchant (EFM) program that merchants already navigate. Understanding …
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I was recently looking over some new data published by NerdWallet on the state of air travel in the US. According to the data, airfare prices have surged 26.7% year-over-year. The timing couldn’t be more consequential here; as we’re heading into peak travel season, consumers are already stretched thin. Operational disruptions continue to compound and the payments infrastructure that the …
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Most merchants managing chargebacks believe they’re doing reasonably well. They track their win rates, they represent disputes diligently, and when the numbers come back showing they’ve won nearly half their cases, they take that as confirmation that their program is working. According to new our 2026 Chargeback Field Report, merchants report winning 44.6% of the chargebacks they receive. That’s a …
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The most successful merchants I know today aren’t just thinking about optimizing their core business operations. They’re asking a more fundamental question: What if the payment infrastructure we’ve built to support our customers could become a profit center itself? I’m talking about a shift from viewing financial services as operational overhead to seeing them as strategic opportunity. This represents one …
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When I look at the dispute patterns crossing my desk today, one thing becomes immediately clear: the subscription economy has fundamentally broken the traditional chargeback framework. We’ve taken a dispute system designed for discrete transactions and forced it to handle ongoing relationships, creating friction that benefits no one. Not merchants, not consumers, and certainly not the networks trying to adjudicate …
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This week, we celebrated the completion of the 13th annual Paid for Grades program! I was unfortunately not able to attend the ceremonies in person. But, knowing that 169 ninth-grade students from five Pinellas County schools each receive their well-earned rewards, totaling $169,000, fills me with immense pride. These young people didn’t just improve their grades; they proved to themselves …
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Great news! I’m thrilled to share that I’ve been named a finalist for the Visionary PayTech Founder award at the 2026 PayTech Awards! This recognition represents one of the most meaningful honors of my career, acknowledging not just my individual contributions but the collective impact our team at Chargebacks911 has made in transforming how the industry approaches dispute management and …
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I’m thrilled to share some exciting personal news: I’ve been selected as a juror for the 2026 Money Awards, presented by Money20/20! Being chosen as a juror for these prestigious awards feels incredibly meaningful. It’s both a personal honor, as well as a professional milestone that reflects years of work and thought leadership in the payments and fintech industry. The …
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