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An independent sales organization (ISO) is a business entity that partners with acquiring banks to provide payment processing services to merchants. ISOs act as an intermediary, helping businesses set up merchant accounts, process credit card transactions, and access related financial services. While they do not issue credit cards or handle the funds themselves, ISOs play a crucial role in facilit…

A chargeback rate is a metric that measures the percentage of transactions disputed by customers and ultimately reversed by the merchant’s bank. It is calculated by dividing the number of chargebacks by the total number of transactions within a specific period. A high chargeback rate can indicate issues like fraud, dissatisfaction with products or services, or misunderstandings in billing. Maintai…

Geolocation is the process of identifying the geographic location of a device, user, or object using data such as GPS coordinates, IP address, Wi-Fi positioning, or cell tower triangulation. This technology enables devices to determine their exact location in real time, which is commonly utilized in applications like navigation, location-based services, and geotagging. Geolocation helps power a wi…

Acquiring banks must rely on a robust array of tools to deter fraudulent activity. Some of these tools can be deployed at the bank level, while others rely more on deployment by individual merchants. One vital tool that should be in every merchant’s arsenal is the velocity check, also known as velocity control, a precise and dynamic fraud prevention measure. Velocity checks serve as an integral pa…

Over time, the Federal Trade Commission (FTC) has been considering ways to simplify subscription cancellations. The idea of a “click-to-cancel” rule was proposed by the regulators as an amendment to their Negative Option Rule in early 2023. The FTC, on October 16, announced their decision in a press release. The final click-to-cancel mandate by the FTC necessitates that providers must facilitate a…

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 …