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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 …

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…