u/merchantadviser

Climate change and merchant risk

Will flood zones or similar dangerous wildfire areas ever factor into a merchant becoming unboardable? Plausible scenario or something far-fetched?

reddit.com
u/merchantadviser — 21 hours ago
▲ 4 r/MerchantServices+1 crossposts

Need an adult content payment processor

Hello there looking for someone to facilitate payments for my little start up going to start doing small volumes. Based in Canada servicing global.

DM or comment and I will provide more info.

Cheers

reddit.com
u/elitentre8 — 1 day ago

Is Merchant Services is the best-kept secret in finance?

Where else can you build a 6-figure recurring income with no degree and no boss? Why aren't more people doing this?

reddit.com
u/merchantadviser — 6 days ago

Explaining Zero Fee Processing Fees

There is no such thing as zero fee. Someone is paying. Is it accurate to keep using this terminology? Does it even matter at this point?

reddit.com
u/merchantadviser — 7 days ago

Should ISOs should be viewed as Storytellers?

If an ISO can't tell the Merchant's story, they will probably have trouble connecting with them. Do any ISOs focus on connecting through understanding the business? Does it help?

reddit.com
u/merchantadviser — 11 days ago

The End of the Plastic Card

When the card is Virtual, what does the Terminal look like? All Tap to Pay, or will we start seeing biometrics integrated into checkouts as well?

reddit.com
u/merchantadviser — 15 days ago

Every ISO needs a High Risk specialist relationship.

You're going to run into a CBD shop or a firearms dealer eventually. If you don't have a path to board them, you're leaving the highest margins on the table. Are there ISOs that are still only low risk?

reddit.com
u/merchantadviser — 17 days ago

Is the 'Tap to Pay' revolution making us lazier sales reps?

Is selling convenience to merchants one of the driving factors behind not having a payment strategy anymore? Seems like we assume merchants expect convenience, but maybe offering more solutions/services will help close and maintain customers?

reddit.com
u/merchantadviser — 18 days ago

Underwriters Black Box: Why did they decline that perfect merchant?

We've all had it happen to us at least once. You thought it was a layup for approval, and it got declined out of the blue. What has been your most unique reason?

reddit.com
u/merchantadviser — 19 days ago

The 'New' Underwriting Tactic: Using Social Media to vet merchants.

Are you looking at a merchant's Yelp and Instagram before you submit the app? In 2024, a bad reputation is a bigger risk than a low credit score.

reddit.com
u/merchantadviser — 24 days ago

The 'Cash is King' comeback: Are we seeing a reversal in digital adoption?

In some markets, merchants are going back to cash-only to avoid the headache. Is this a temporary protest or a growing trend?

reddit.com
u/merchantadviser — 26 days ago

The 'Convenience Fee' loophole in Government and Education.

Why is it that the government can charge a 'convenience fee' on a card but a local mom-and-pop shop gets threatened by the card brands for doing the same?

reddit.com
u/merchantadviser — 27 days ago

Why small banks are failing their local merchants?

Local banks used to be the hub of merchant services. Now they just refer everything to Fiserv or Elavon and forget about it. Why have they given up on the relationship?

reddit.com
u/merchantadviser — 30 days ago

SoftPOS will kill the terminal industry within 5 years.

Why would a merchant pay for a Clover or Verifone when they can just use an app on their iPhone? The hardware manufacturers are panicking—change my mind.

reddit.com
u/merchantadviser — 1 month ago

Your 'Statement Audit' is probably misleading your clients.

Be honest: when you do a side-by-side comparison, are you including every single PCI fee, annual fee, and batch header, or just the interchange? Let's talk about the ethics of the sales pitch.

reddit.com
u/merchantadviser — 1 month ago

Why 'No Contract' processors are actually more dangerous for SMBs.

Merchants love the idea of no commitment, but it usually means the processor can hike rates with 30 days' notice and has no skin in the game to help when a chargeback hits.

reddit.com
u/merchantadviser — 1 month ago