The FTC's Warning to PayPal, Stripe, Visa and Mastercard Exposes a New Reality. Payments Is Being Told to Monitor More—and Debank Less. They Need to Prove Not Only That They Manage Risk, but Why They Make the Decisions They Make. Intelligence Is How You Do Both. The payments industry is receiving two messages that, at […]
How Many Enforcement Actions Before Merchant Monitoring Becomes a Board-Level Issue? Paddle. Nuvei. Humboldt. The FTC Is Sending Payments a Message. Three payment companies. Three FTC enforcement actions. More than $21 million in announced monetary settlements or relief. And one increasingly uncomfortable question for every processor, PayFac, merchant-of-record provider, acquirer and sponsor bank: How much […]
Payments Has a Product Problem Nobody Wants to Own The Next Compliance Infrastructure Battle Won't Be About Knowing the Merchant. It Will Be About Knowing What the Merchant Sells. Next week, thousands of people from across the payments ecosystem will gather to discuss what's changing in our industry and what comes next. There will be […]
Did you know that nutraceutical businesses face rejection rates significantly higher than standard retail when applying for payment processing? The nutraceutical market—valued at $451.7 billion in 2023 and projected to reach $657.89 billion by 2030—faces a unique paradox: explosive consumer demand paired with increasingly stringent payment processing requirements. For businesses selling supplements, functional foods, and […]
Payment processing disruptions represent one of the most significant operational threats facing businesses in regulated industries today. These disruptions often stem from Visa's comprehensive oversight system that operates largely behind the scenes. As regulatory scrutiny intensifies, understanding how the Visa Acquirer Monitoring Program (VAMP) functions has become essential for business continuity. What is VAMP? The […]
Imagine waking up to find your supplement business's payment processing capabilities have vanished overnight. No warning, no grace period—just an abrupt halt to your ability to accept credit card payments. For supplement merchants, understanding why payment processors reject them is crucial to avoiding this nightmare scenario. The supplement industry operates in what payment processors consider […]
