“We Didn't Know” Is No Longer a Compliance Strategy The FTC's Humboldt Action Should Be a Wake-Up Call for Every Payment Processor, ISO and Sponsor Bank For years, there has been an uncomfortable reality inside payments. Sometimes the less you look, the less you find. And if you don't find it, perhaps nobody has to […]

What If Every Product in Commerce Had a Digital Compliance Identity? How Digitized Product Intelligence Could Transform Payments, Banking, Compliance and Regulated Commerce For decades, regulated-product compliance has largely operated in a world of documents. PDFs. Images. Labels. Certificates of Analysis. Laboratory reports. Ingredient lists. Licenses. Packaging. Testing records. Manufacturer documents. Emails. Spreadsheets. Folders. Shared […]

“High Risk” Is Broken We Keep Classifying Businesses When We Should Be Measuring the Risk Inside Them "High risk should be the conclusion of a risk assessment—not the starting assumption based on an industry label." - Noah Fitzgerald, CPP, CRO Qredible, Inc.   After 30+ Years in Payments, I Think We Need to Have an […]

Your Regulated Merchant Portfolio Needs an Audit. Then Your Underwriting Model Needs to Change. New Rules Are Exposing an Old Problem: Payment Companies Know Their Merchants, But Often Don't Know Their Products. "The real compliance challenge isn't responding to the regulation that just changed. It's building an operating model that doesn't require you to start […]

The Death of MCC Codes We Cannot Build the Future of Merchant Acceptance Around Four Digits ""After more than 30 years in payments, I believe one of the biggest constraints on our industry's future is something we've become so accustomed to using that we've stopped questioning it." - Noah Fitzgerald, CPP, CRO Qredible, Inc.   […]