EMV, tap, and wallets
Chip and NFC shift counterfeit-card liability off a merchant who used the reader. Magstripe-only is how you inherit fraud. We place chip devices.
Security
Peace of mind that is actually on the file.
EMV, tokenization, PCI-aware processing, and a chargeback desk. Security is underwriting and hardware — not a lock icon.
Tokenization
Stored credentials for invoices and recurring do not mean you keep PAN data on a laptop. Gateways tokenize. You keep a customer, not a card number.
PCI without the theater
Hosted checkout and PayAnywhere terminals keep most merchants on the short SAQ. We do not invent an annual PCI fee to remind you that a questionnaire exists.
Chargebacks
Reason codes, deadlines, representment. A specialist who has seen the MCC. Not a portal that times out.
Funding
Qualified merchants settle the next business day. Faster options exist — ask on the rate review. We do not hold funds because the batch looked ‘interesting’ and then go silent.
High-risk posture
Rolling reserves, when they exist, are disclosed before you switch. Load balancing and backup MIDs for verticals that spike.
What you still owe
- Do not write card numbers on paper or in email.
- Use the chip reader. Do not swipe around a damaged chip as a habit.
- Keep refund and delivery policies honest — they are your first chargeback defense.
- Tell us if a device is lost. We kill it.
Free rate review
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