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We’re very excited to announce that Fi911, as well as our US-based parent company Chargebacks911, have both been nominated for titles at the 2025 Card & Payments Awards! The Card & Payments Awards recognize excellence and innovation across the industry. Entries open in June and close in September each year. The awards remain one of the leading annual networking events for the UK and Irish …

Proxy piercing is a technique that allows hosts to detect if a customer is trying to conceal their IP address by utilizing a proxy server. While it may sound complex, the concept of proxy piercing is quite simple. This process involves verifying if a buyer is employing a third-party server to hide their identity. It typically involves a quick test that occurs behind the scenes, unnoticed by the us…

In a nutshell, chargeback alerts are notifications sent to merchants to inform them of a pending chargeback on a transaction. These alerts provide an opportunity for the merchant to proactively address the issue before it escalates into a formal chargeback. By avoiding the chargeback, the merchant can avoid the fees and higher chargeback ratios that could negatively impact their relationship with …

A terminal ID number, often abbreviated as TID, is a unique identifier assigned to a specific point-of-sale terminal or card reader. This number is essential for processing credit and debit card transactions, as it allows financial institutions and payment processors to track and manage each transaction originating from that particular terminal. The terminal ID ensures that all transaction informa…

An issuer decline code is provided by an issuing bank to a merchant, indicating the rejection of a credit card transaction. This means that the issuer has halted or blocked the transaction. The specific code gives a brief reason for why the issuer turned down the purchase. There are many reasons for an issuer to decline a transaction. Common reasons include suspected fraud and insufficient funds i…

Discover chargeback reason codes are specific numerical identifiers that help define the reasons for a cardholder’s dispute over a transaction. These codes categorize Discover card chargebacks into various types, such as fraudulent transactions, service problems, or processing errors. By doing so, they facilitate efficient dispute resolution for merchants and cardholders alike. Each reason code co…