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False Declines at Checkout Are Hurting Your Customers
Doug Buan
Chief Information Security Officer
Could the fraud controls protecting your merchants be costing them more revenue than the fraud itself? Every software provider (ISV) with embedded payments recognizes the tension between risk and revenue: tighten risk controls and introduce more friction or loosen them and accept more exposure to allow transactions through. That tension...
Embedded Payments
Featured
Holiday Fraud Prevention Starts in Summer: A Merchant’s Timeline for a Safer Holiday Season
Doug Buan
Chief Information Security Officer
When most merchants think about the holiday season, they focus on things like inventory, staffing, marketing campaigns, and increased customer demand. Fraud prevention often gets pushed further down the priority list until the busy season is already underway. Unfortunately, that’s exactly what fraudsters are counting on. At Wind River, we...
Merchant Payments
How to Surcharge Credit Card Purchases the Right Way
Stephanie O'Connor
Director of Operations & Merchant Experience
Surcharging is a practice that some merchants use to pass along credit card processing fees to their customers who pay by credit card. Depending on the merchant’s business, it can be an effective way of offsetting processing costs but there are specific rules that accompany all surcharging programs.
Merchant Payments
Embedded Payments Only Work If the Merchant Experience Works
Stephanie O'Connor
Director of Operations & Merchant Experience
In Brief: Embedded payments are often positioned as a seamless upgrade that adds efficiency and convenience for merchants. In actuality, the real test is how the merchant experience performs day to day. When reporting is hard to find, pricing is unclear, or support falls short, the value of the integration...
Embedded Payments
How to Prepare Integrated Payments for Agentic Commerce
Pete Uselman
Director of Partner Experience
Existing payment rails were designed around a specific set of assumptions about how transactions happen: a person opens a checkout, decides to buy, enters or confirms payment credentials, and submits. Authentication systems challenge the credentials presented on behalf of an identity. Liability frameworks assign responsibility based on that person’s demonstrated...
Embedded Payments
The Real Cost of Staying: What ISVs Lose by Not Replacing Outdated Payment Integrations
Pete Uselman
Director of Partner Experience
The economics of payment provider partnerships tend to drift in one direction. Pricing that was competitive at signing can become outdated, and the feature gap between what a platform currently offers its merchants and what the market now makes available quietly, without a triggering event to force the comparison. Without...
Embedded Payments
Ten Things that Impact Your Interchange Rate and What You Can Do About Them
Stephanie O'Connor
Director of Operations & Merchant Experience
Interchange fees represent approximately 80 percent of the charges a business pays to process credit and debit card transactions. These fees are set by the card brands: Visa, Mastercard, Discover, and American Express and, unless your business is processing billions of dollars each year, interchange rates are non-negotiable. While you...
Merchant Payments