Stripe, PayPal, alo Square Froze 100% le Wò Asitsatsa ƒe Gakpɔkpɔ me hena Ŋkeke 180 (kple MATCH / TMF Blacklist Defense)¶

Ne ège ɖe wò Stripe, PayPal, Square, Shopify Payments, alo Adyen asitsalawo ƒe dashboard me le Memleɖagbe ŋdi be nàkpɔ "Wotɔ Fexexe," "Woxe Mɔ Ðe Akɔntabubu Nu / Wodzudzɔ Afɔku Kɔkɔ," alo gbeƒãɖeɖe be wole wò asisiwo ƒe ga si nèxe ƒe 25% va ɖo 100% tutum ɖe ŋkeke 90 va ɖo 180 ƒe Nudzraɖoƒe ate ŋu na dɔwɔƒe aɖe si kpɔa viɖe le gaxɔmenɔnɔ me le fetu xɔxɔ ƒe ɣeyiɣi ɖeka me. Fexexe ƒe Dɔwɔlawo (PayFacs) abe Stripe, PayPal, kple Square ɖea mɔ na asitsaha yeyewo be woadze gaxɔgbalẽviwo xɔxɔ gɔme le miniti 10 me gadzraɖoƒe ƒe agbalẽŋɔŋlɔ do ŋgɔ xoxo manɔmee - ke boŋ, woƒe afɔku ƒe kpɔɖeŋu siwo wowɔna le wo ɖokui si wɔa post-transaction underwriting le ɣeyiɣi si me wò dɔwɔwɔ ƒe agbɔsɔsɔme dzi ɖe edzi, wò tikiti ƒe lolome le mama dedie nu ti kpo, èdze nudɔdɔ do ŋgɔ alo ƒe sia ƒe ƒe nudɔdɔ gɔme, alo botnet aɖe dze kaɖi dodokpɔ gɔme amedzidzedze ɖe wò gaxɔgbalẽvi ƒe axa dzi. Esi wònye be fexexe ƒe dɔwɔƒea axɔ ga le Visa kple Mastercard dzi ne wò dɔwɔƒea bu eye asisiwo tsɔ ga si wobia tso wo si va ɖo ŋkeke 120 va ɖo 180 megbe ta la, woƒe ŋuɖoɖo si wowɔna le wo ɖokui si si woɖo ɖie nye be woatɔ te wò ga si susɔ la ƒe alafa memama 100 hena ŋkeke 180. Ne wò freeze do ŋɔdzi na dɔwɔlawo ƒe fetu enumake alo nudzralawo ƒe gaxɔgbalẽviwo la, ke lé ŋku ɖe eŋu asitsalawo ƒe akɔntabubu ƒe tsiatretsitsi kple fexexe ƒe ametafatafa, . fetu ƒe gazazã ƒe kuxi kple fetu ƒe sedziwɔwɔ si to vovo, kple nudzralawo ƒe fexexe kple gazazã ƒe mɔxexe, eye nàdi sedzikpɔlawo alo ametafatafa ŋuti nyatakaka siwo dziɖuɖua da asi ɖo ƒe xexlẽdzesiwo le míaƒe xexlẽdzesi siwo wozãna kpata nyatakakadzraɖoƒe.

Mègaɖo ŋɔdzidoname siwo me dziku le ɖe processor ƒe kpekpeɖeŋunaƒe ƒe dzeɖoɖo o, eye mègagblɔ na asisi siwo ƒe dzi gbã gbeɖe be "ɖeko woatsɔ gagbugbɔɖoɖo ade wò gaxɔgbalẽvi ƒe gadzraɖoƒe be woagbugbɔ wò ga axɔ." Ne wò Visa alo Mastercard ɣleti sia ɣleti ƒe nyaʋiʋli ƒe xexlẽme tso 0.65% va ɖo 0.90% (kple nyaʋiʋli 100+) - alo ne èɖe mɔ na gagbugbɔɖoɖowo be wòaɖe wò ga si nèdzra ɖo ɖe tsikpe me la ɖa le zero te - wò wode se na processor ƒe gadzraɖoƒe si xɔa nu le card-network sewo nu be wòatsɔ wò dɔwɔƒea ƒe EIN/Tax ID, dɔwɔƒea ƒe amegãwo ŋutɔ ƒe Hadomegbenɔnɔ / Dukɔa ƒe Nugblẽfexeha ƒe xexlẽdzesiwo, aƒe ƒe adrɛswo, kple domenyiŋusẽfianu ƒe ŋkɔ ade Mastercard MATCH (Member Alert to Control High-Risk Merchants) ƒe xexlẽdzesi, si woyɔna tsã be TMF (Terminated Merchant File). Dzedze ɖe MATCH ƒe xexlẽdzesi me nye ƒe 5 ƒe xexeame katã ƒe gadzraɖoƒe ƒe ŋkɔ ɣi si xea mɔ na wò le eɖokui si be màʋu asitsalawo ƒe akɔnta ɖesiaɖe si sɔ le xexeame ƒe akpa aɖeke o.

Wɔ esia fifia¶

1. DZUDZƆ nudɔdɔ yeyewo xɔxɔ ɖe fexexe ƒe ɖoɖowɔla ƒe akɔnta si wotu ɖe tsikpe me la me enumake. Ne Stripe, PayPal, alo Square tɔ te wò fexexe alo de 100% ƒe ga si wodzra ɖo ɖi esime wòle wò akɔnta me tom alo le edzudzɔm la, dɔlar yeye ɖesiaɖe si asisi aɖe axe to gaxɔgbalẽvi ma dzi la yia ŋkeke 180 ƒe nudzraɖoƒe si wotu la tẽ - si gblẽa ga zero ɖi na wò be nàtsɔ axe fe ɖe nudzraɖoƒea alo agbalẽɖoɖoɖa ta ƒe nudɔdɔ yeye mawo. Trɔ wò gaxɔgbalẽvi ƒe axa le miniti 30 me yi fexexe ƒe ketekemɔ si wotsɔ dzraa nu ɖo (ACH/Wire, evelia si woŋlɔ tẽe ƒe MID, Amazon Pay, alo adzɔxegbalẽvi ƒe kadodowo).
2. Kpɔ wò Visa kple Mastercard ƒe Nyaʋiʋli ƒe Agbɔsɔsɔme ɖa fifia - eye nàgbugbɔ ga na asisi ɖesiaɖe si womeɖo ɖa o alo le nyatoƒoe tom la do ŋgɔ HAFI woatsɔ gaxɔgbalẽvi ana. Ne asisi aɖe nya tsɔ gaxɔgbalẽvi si nèxɔ le gaxɔgbalẽvi dzi le se nu la, ebua eŋu tegbee le wò ɣleti sia ɣleti ƒe Nyaʋiʋli kple Asitsatsa ƒe Agbɔsɔsɔme me ne ègbugbɔ ga na asisi la alo nèɖu dzi le teƒea emegbe gɔ̃ hã. Gake ne èzi "Gbugbɔgadzɔ" dzi le wò Stripe/PayPal/Square dashboard me hafi wotsɔ fexexe ƒe nya aɖe yi ʋɔnui (alo nàhe Verifi CDRN / RDR alo Ethoca Alert ƒe gagbugbɔɖoɖo si wowɔna le wo ɖokui si do ŋgɔ na nyaʋiʋli vɛ la), dɔwɔƒea zãa wò ga si nèdzra ɖo ɖi si wodzra ɖo ɖi la tsɔ xea fe na asisi la enumake kple zero chargeback fee kple zero strike ɖe wò Visa/Mastercard ƒe nyaʋiʋli ƒe xexlẽme.
3. Ne "Card-Testing Bot Attack" ($1.00 alafa geɖe alo mɔɖeɖe siwo wogbe) le dziwòm la, ʋu 3D Secure 2.0 (3DS2), CAPTCHA, kple Radar/CVV/AVS ƒe se sesẽwo le miniti 5 me. Script siwo wowɔ le wo ɖokui si siwo doa gaxɔgbalẽvi siwo wofi kpɔ le wò gaxɔgbalẽvi dzi la hea mɔɖeɖefe akpe geɖe vɛ eye... ametafatafa ŋuti nyaʋiʋli siwo gbɔna kpuie (Susu ƒe Se 10.4 / 4837). Na 3D Dedienɔnɔ ( ) si nye sedziwɔwɔ nawɔ dɔ.three_d_secure: required alo se siwo me afɔku le ŋutɔ), bia be CVV kple Postal Code AVS siaa nasɔ, eye nàde Cloudflare Turnstile/WAF rate-limiting ɖe wò /checkout API ƒe nuwuƒe enumake.
4. Mègagblɔ na asisiwo gbeɖe be "Stripe/PayPal tsi míaƒe ga nu, eyata ƒo ka na wò gadzraɖoƒe eye nàŋlɔ fexexe ɖe eta." Gɔmeɖola siwo mɔkpɔkpɔ bu ɖee la ɖoa e-mail ɖe woƒe asisiwo ƒe ŋkɔwo ƒe ŋkɔwo ɣeaɖewoɣi gblɔna na wo be woaʋli nya le woƒe fewo ŋu elabena dɔwɔƒea tu asitsala la ƒe ga. Email ɖeka ma hea ƒutsotsoe si nye 200+ fexexe le gaƒoƒo 48 me, tua wò nyaʋiʋli ƒe xexlẽme toa 1.5% va ɖo 5.0%, hea $15 va ɖo $25 le nyaʋiʋli ɖesiaɖe ƒe network fetu, eye wòka ɖe edzi be woatsɔe ade ƒe 5 ƒe Mastercard MATCH / TMF blacklist me enumake le Susu ƒe Se 04 (Excessive Chargebacks) te.
5. Ƒo wò "Credit Underwriting Proof Package" nu ƒu eye nàtsɔe aɖo ɖa le gaƒoƒo 24 me be nàwɔ ɖoɖo ɖe 10%-20% Rolling Reserve (alo Early Release) ŋu tsɔ wu 100% 180-Day Hold. Fexexe ŋuti dɔwɔlawo léa ga 100% ɖe asi ne wovɔ̃ be Etsɔme Delivery Risk (unshipped goods) alo Insolvency Risk. Ne èda ʋuɖolawo ƒe xexlẽdzesi siwo ɖo kpe edzi be wotsɔ nudɔdɔ siwo woxe ƒe 100% vɛ xoxo, tsɔ kpe ɖe ɣleti 3 ƒe dɔwɔƒewo ƒe gadzraɖoƒe ŋuti nyatakaka siwo ɖea ga si le lãmesẽ me fiana ŋu la, èɖea agbalẽŋlɔla ƒe asike ƒe afɔku ƒe akɔntabubu ɖa eye zi geɖe la, àte ŋu axɔ 70% va ɖo 90% le ga si susɔ si wotu ɖe tsikpe me si woɖe ɖe go le dɔwɔŋkeke 5 va ɖo 10 me.
6. Ʋu Asitsalawo ƒe Akɔntabubu si Wotsɔ Ðe Ðokui Ŋu Nyateƒe (Direct Acquiring MID with Upfront Underwriting) le ɣeyiɣi ɖeka me egbea. Mègaɖo ŋu ɖe nuƒoƒoƒula bubu ɖeɖeko ŋu gbeɖe o (ne ètrɔ tso Stripe yi Square alo PayPal dzi do ŋgɔ ƒe agbalẽŋɔŋlɔ manɔmee la, ɖeko wòaʋã automated velocity freeze ma ke tututu le ŋkeke 14 megbe). Bia kple ISO/Acquirer si woŋlɔ tẽ le afisi amegbetɔ ƒe afɔku ŋuti nugblẽfexeha da asi ɖe wò asitsatsa ƒe ɖoɖo, tikiti ƒe lolome, kple ɣleti sia ɣleti ƒe agbɔsɔsɔme ƒe seɖoƒe dzi hafi nàyi agbe.

Nyametsotso ƒe ati: Fexexe ƒe ɖoɖowɔla ƒe tsikpe, rolling reserve, kple MATCH defense protocol¶

flowchart TD
    A["Stripe, PayPal, Square, alo Shopify Fexexe ƒe Akɔntabubu Tsitre, Wotɔ Fexexe, alo Wode Ŋkeke 180 ƒe Nudzraɖoƒe"] --> B{"Nukae Afɔku / Nuŋlɔɖi ƒe Nyatakakaa gblɔ?"}
    B -->|"1. 'Wotɔ te fexexe: Afɔkuwo me toto edziedzi / Agbɔsɔsɔme ƒe dzidziɖedzi kpata / Wobia be woaɖo kpe edzi'."| C["CURABLE UNDERWRITING HOLD: Mègatsi dzodzodzoe o -> Ðo Nuŋlɔɖi ƒe Kpeɖodzi Packet ɖa le gaƒoƒo 24 me (Xexlẽdzesiwo yometiti na nudɔdɔ 50 mamlɛawo, Supplier Invoices, 3-Mo Bank Statements, Fulfillment SLA)"]
    C --> D["Do susua ɖa be woawɔ ɖoɖo ɖe 10% va ɖo 15% 60-Day Rolling Reserve alo Volume Cap ŋu ɖe gbesiagbe fexexe gbugbɔgadze enumake ta"]
    B -->|"2. 'Ametafatafa / Kpekpeɖeŋu Dodokpɔ / Nyaʋiʋli ƒe Agbɔsɔsɔme Nuxlɔ̃ame si Do Dzi Ðe Edzi (> 0.65%)'."| E["AMEGBETƆ ƑE NUÐEÐEŊUTI: Na 3D Secure 2.0 + Cloudflare WAF nawɔ dɔ le nuƒleɣi + Trɔ nudɔdɔ siwo katã ŋu ɖikeke le/siwo womeɖo ɖa o la na wò to dashboard dzi HAFI chargebacks nadze"]
    E --> F["Ŋlɔ ŋkɔ ɖe Verifi RDR / Ethoca Nuxlɔ̃amewo me le nyaʋiʋli siwo ku ɖe gagbugbɔɖoɖo le wo ɖokui si ŋu hafi woabu wo be wonye Visa/MC ƒe fexexe"]
    B -->|"3. 'Wodzudzɔ Akɔntabubu: Wode Se Nu / Asitsatsa ƒe Kpɔɖeŋu si me Afɔku Gã Le (Akpa X) - Wolée 100% Ŋkeke 90-180'."| G["Trɔ live website checkout ɖe backup payment rail le miniti 30 me ale be ga yeye aɖeke nagage ɖe akɔnta si woxe la me o"]
    G --> H{"Ðe woɖo nudɔdɔ siwo ŋu wotrɔ asi le to akɔnta si wotu ɖe tsikpe me dzi ƒe 100% ɖa/tsɔ wo yi xoxoa?"}
    H -->|"Ao: Do ŋgɔ na Nudɔdɔ alo Etsɔme Nudɔdɔ siwo womeɖo ɖa o li"| I["Na Gagbugbɔɖoɖo Blibo Enumake na nudɔdɔ siwo womeɖo ɖa o tẽ tso Frozen Balance si le dashboard la me -> Eɖea processor ƒe etsɔme nukpɔkpɔ dzi kpɔtɔna va ɖoa $0"]
    H -->|"Ẽ: Wotsɔa nudɔdɔwo katã yinae kple ʋuɖolawo yometiti"| J["Mitsɔ 'Zero Future Liability / Proof of Delivery' Dossier na Executive Risk & Legal Escalation -> Bia be woaɖe asi le ga siwo menye ga si wodzra ɖo o ŋu le ŋkeke 30-60 megbe"]
    I --> J
    J --> K{"Ðe dɔwɔwɔa do ŋɔdzi na alo tsɔ Mastercard MATCH / TMF ƒe xexlẽdzesi aɖe de emea?"}
    K -->|"MATCH ƒe ŋkɔ aɖeke meli o"| L["Na reserve account nanɔ nyuie ale be ACH debit aɖeke nagado kpo nu o -> Ƒo ga si susɔ bliboa nu ƒu le Ŋkeke 90/120/180 dzi"]
    K -->|"Ẽ: Wodae ɖe MATCH dzi"| M["De dzesi MATCH Susu ƒe Kpeɖodzinya (01-14) tututu -> Nuxɔla si tsɔe ɖo koe ate ŋu aɖe wò ɖa -> Wɔ Vodada-Ðɔɖɔɖo alo Fe-Dzidzeme Ðeɖeɖa ƒe Ðoɖowɔɖi"]

Nukatae Stripe, PayPal, kple Square tsia wò ga ƒe 100% nu hena ŋkeke 180 (The PayFac Risk Math)¶

Zi geɖe la, gɔmeɖolawo tsɔe be ne Stripe alo PayPal lé woƒe ga si woɖo ɖi ƒe dɔlar 150,000 ɖe asi ŋkeke 180 la, dɔwɔƒea "fim" woƒe ga alo le deme kpɔm ɖe edzi le mɔ si mele se nu o nu. Le nyateƒe me la, Visa Core Rules, Mastercard Transaction Processing Rules, kple PayFac Aggregation Model ye gblɔa ŋkeke 180 ƒe fesre kple freeze mechanics:

1. Aggregator (PayFac) vs. Asitsalawo ƒe Akɔntabubu Tsã (MID) .¶

Ne ède asi Stripe, Square, PayPal, alo Shopify Fexexewo te la, **wometsɔa wò ŋutɔ wò gadzraɖoƒe si le eɖokui si ƒe Asitsalawo ƒe Dzeside Xexlẽdzesi (MID) naa wò le kwasiɖa 2 ƒe gaxɔgbalẽvi ƒe ɖaseɖigbalẽ xɔxɔ vɔ megbe o. Ke boŋ, woxɔa wò enumake abe asitsaha sue ene le PayFac ƒe gadzraɖoƒe gãtɔ ƒe akɔnta te. - Esi wònye be amegbetɔ ƒe agbalẽŋlɔla aɖeke melé ŋku ɖe wò nuzazãwo ƒe kɔsɔkɔsɔ, gaŋutiɖoɖo, alo asitsatsa ƒe ɖoɖo ŋu esime nèʋu gakɔnta la o ta la, afɔku ŋuti ɖoɖo si wowɔna le wo ɖokui si léa ŋku ɖe wò gakɔnta ŋu gbesiagbe. - Zi alesi wò akɔnta dze algorithmic tripwire dzi - abe ɣleti sia ɣleti ƒe gbeɖiɖi ƒe titri 300% le zã ɖeka me tso TikTok/PR ƒe dzidziɖedzi me, nudɔdɔ ƒe asixɔxɔ le mama dedie nu (AOV) ƒe dzidziɖedzi zi gbɔ zi eve, tikitiwo dzadzra/nudɔdɔ do ŋgɔ/ƒe sia ƒe SaaS ɖoɖowo kple delivery > ŋkeke 14 le etsɔme, alo cross-border card mix si wu 30% - algorithm la tɔa te fexexewo eye wotsɔa aflaga ɖoa gakɔnta si wotsɔ ŋlɔa amegbetɔ ƒe gaxɔgbalẽviwoe la dzi.

2. Nusita "Ŋkeke 180" Nye Akunyawɔwɔ Xexlẽdzesi¶

Le Visa kple Mastercard ƒe fexexe ƒe ɣeyiɣi ƒe seɖoƒewo (kple U.S. Regulation Z / Fair Credit Billing Act ƒe sewo) nu la, zi geɖe la, ŋkeke 120 nɔa agbalẽvitɔ si tso ŋkeke si dzi wodzrae ɖo dzi - alo ŋkeke 120 tso ŋkeke si wokpɔ mɔ be woatsɔe ayi na ame/dɔa wɔwɔ dzi, vaseɖe ŋkeke 540 si sɔ gbɔ wu (kple ŋkeke 180 le PayPal Buyer Protection te)** - be wòatsɔ nyaʋiʋli aɖe ayi woƒe asiɖeɖe le eŋu ŋu gadzraɖoƒe. - Ne asitsala aɖe xɔ dɔlar 200,000 le ga si wòxe ta, eɖe ga la yi woƒe gadzraɖoƒe, eye emegbe wòdo kpo nu la tsɔtsɔ yi na wo (alo wòdzudzɔ dɔwɔwɔ) la, agbalẽvixɔlawo tsɔa ga si woxena ɖe wo ta la ana le ŋkeke 60 va ɖo 120 megbe. - Ne asitsala ƒe gadzraɖoƒe ƒe gakɔnta le ƒuƒlu la, Stripe, PayPal, alo Square ƒe gadzraɖoƒe si xɔe la le 100% dzi be woaxe $200,000 la tso woawo ŋutɔ ƒe kotoku me. - Eyata Stripe Services Agreement ƒe Akpa 5 lia, PayPal Zãla ƒe Nubabla, kple Square Fexexe ƒe Ðoɖowo na gomenɔamesi si le nubabla me la tẽ be wòalé wò ga ƒe 100% ɖe asi hena ŋkeke 90 va ɖo 180 le gakɔnta ƒe nuwuwu alo afɔku dodo ɖe dzi megbe vaseɖe esime se ƒe fexexe ƒe fesrea nawu enu.

Visa & Mastercard Nyaʋiʋli ƒe Dzidzenuwo Kple MATCH Susu ƒe Kɔdawo (Nya Xexlẽdzesi Tutɔawo)¶

Mègasusu ɣeyiɣi si wò akɔntabubua le tetem ɖe afɔku ƒe teƒea ŋu gbeɖe o. Visa (VDMP / VFMP, si trɔna yia Visa Xɔxɔ Dzi Kpɔkpɔ ƒe Ðoɖowɔɖi si wɔ ɖeka [VAMP]) kple Mastercard (Fexexe Gbugbɔgaxɔ ƒe Ðoɖowɔɖi [ECP] / Ametafatafa Gbɔgbɔme Asitsalawo [EFM]) siaa zi xexlẽdzesi sesẽwo ƒe dzisasrãwo dzi:

Afɔɖeɖe ɖesiaɖe ƒe Ðoɖo si Wowɔ be Woaɖe Fexexe ƒe Nuwɔnawo ɖa alo Awɔ Dzro 10% Rolling Reserve (Gaƒoƒo 48 Gbãtɔwo)¶

Ne wò processor tɔ fexexe alo wu wò akɔnta nu kple ŋkeke 180 ƒe nuléle la, asisiwo ƒe kpekpeɖeŋunadɔdzikpɔlawo katã mate ŋu akpe ɖe ŋuwò o - abɔta koe le wo si be woaɖo macro ŋuɖoɖo siwo le gaze me ɖa. Ele be nàɖo Credit Risk / Merchant Underwriting Analyst gbɔ eye nàdo woƒe ganyawo ƒe gbegbɔgblɔ tututu: Exposure Mitigation.

Afɔɖeɖe 1: Zã Wò Frozen Balance nàtsɔ Agbugbɔ Nudɔdɔ Ðesiaɖe Si Womeɖo Ðe O alo Le Afɔku Me la Ana Enumake¶

Esiae nye gaŋutiɖoɖo ɖeka kolia si ŋu ŋusẽ le wu si le asiwò le ŋkeke 180 ƒe tsikpe me: - Ne Stripe, PayPal, alo Square tsi wò gadzraɖoƒe ƒe fexexe siwo do go gɔ̃ hã la, "Issue Refund" ƒe dzesi si le wò asitsalawo ƒe dashboard me la gakpɔtɔ le dɔ wɔm 100% eye wòɖea ga tso wò ga si nèdzra ɖo ɖi si woxe la me tẽ. - Ne èle $80,000 lém ɖe wò Stripe ƒe ga si susɔ ɖe tsikpe me, eye ema ƒe $30,000 tsi tre ɖi na nudɔdɔ siwo womeɖo ɖa do ŋgɔ o siwo màte ŋu awɔ alo aɖo ɖe wò fifia o la, gbugbɔ $30,000 mawo siwo mèɖo ɖa o la ana tẽ to Stripe/PayPal dashboard dzi egbea. - Nu ka ta? Gbã la, wò asisiwo gaxɔa woƒe ga le ŋkeke 3 megbe tsɔ wu be woalé fu wò adzɔnu ƒe dzeside eye woatsɔ ga axɔ wo. Evelia, èkpɔa wò Visa/Mastercard nyaʋiʋli ƒe xexlẽme ta be wòagatso 0.90% o. Etɔ̃lia, èɖea processor ƒe agbanɔamedzi si meva eme o dzi kpɔtɔna va ɖoa zero, si naa ŋusẽ gã aɖe wò be nàbia be woaɖe asi le $50,000 susɔe siwo nye siwo wotsɔ ɖo ɖa xoxo ƒe nudɔdɔwo ŋu.

Afɔɖeɖe 2: Ƒo "6-Point Credit Underwriting Dossier" (single Indexed PDF) la nu ƒu .¶

Afɔku ŋuti agbalẽŋlɔlawo zãa ɣeyiɣi si mede miniti 4 tsɔ léa ŋku ɖe nyagbugbɔgadrɔ̃ ƒe tikiti ŋu o. Ƒo PDF ɖeka si le dzadzɛ, si ŋu wode dzesii le si me nuŋlɔɖi 6 siawo le nu ƒu tsɔ ɖo kpe edzi be yenye asitsaha si me woate ŋu akpɔ ga le, si le se nu, eye afɔku aɖeke mele eme be woatsɔe ayi na amewo le etsɔme o:

1. Fulfillment & Proof-of-Delivery Log (CSV + PDF Sample): Ðo wò asitsatsa 100 mamlɛawo ƒe agbalẽvi si woɖe fia la ɖe duta Transaction ID, . Order Date, . Carrier Name (UPS/FedEx/USPS/DHL), . Tracking Number, kple Confirmed Delivery Date (alo wode asi Proof of Delivery / SaaS active login usage logs te na digital B2B dɔwɔnawo). Esia ɖo kpe edzi na agbalẽŋlɔla be adzɔnuwo le asisiwo si me xoxo, si ɖe afɔku si le gaxɔgbalẽviwo gbugbɔgaxɔ me dzi kpɔtɔ alafa memama 85.
2. Supplier Invoices & Warehouse Inventory Photos: Tsɔ asitsatsa ƒe adzɔxegbalẽvi siwo woxe tso wò adzɔnuwɔƒe alo nudzrala gã gbɔ kpe ɖe eŋu si ɖo kpe edzi be nudzraɖoƒe si nèdzra la nye tɔwò ŋutɔŋutɔ (menye nusiwo meli o siwo tso duta kple kwasiɖa 6 ƒe heheɖemegbe ɖoɖo ɖa o).
3. Ɣleti 3 Mamlɛawo ƒe Asitsatsa ƒe Gadzraɖoƒe Ŋuti Nyatakakawo: He susu yi wò ga si susɔ si wu enu dzi be nàɖo kpe edzi be wò dɔwɔƒea nye ganyawo ƒe ga eye ate ŋu axe fe ɖe asisiwo ƒe gagbugbɔɖoɖo ɖesiaɖe si tra mɔ la ta evɔ màxe fe o.
4. Root-Cause Explanation of the Volume Spike or Dispute Anomaly: Ne video si kaka, Black Friday dzadzra, alo B2B dɔwɔƒe ƒe ƒe sia ƒe nubabla na wò gbesiagbe volume ti kpo 400% la, tsɔ nyadzɔdzɔŋlɔlawo ƒe nyati, boblododo ƒe dɔdzikpɔkpɔ ŋuti numekuku, alo B2B nubabla si wode asi la ƒe screenshot kpe ɖe eŋu.
5. Ametafatafa & Nyaʋiʋliwo Gbɔkpɔkpɔ ƒe Kpeɖodzi: Fia screenshots siwo ɖo kpe edzi be yewɔ 3D Secure 2.0 ŋudɔ, tsɔ fexexe ŋuti nuŋlɔɖi si me kɔ kpe ɖe asisiwo ƒe kaɖi ŋuti nyatakakawo ŋu (ale asisiwo nade dzesi wò fetu), eɖe wò gagbugbɔɖoɖo ƒe ɣeyiɣi si nèxɔ la dzi kpɔtɔ va ɖo gaƒoƒo 24, eye nèŋlɔ ŋkɔ ɖe Verifi RDR / Ethoca Alerts me.
6. The "Rolling Reserve Compromise Proposal": Mègabia ko gbeɖe be "Ðe asi le míaƒe ga ƒe 100% ŋu egbea." Woxea fe na afɔku ŋuti nugblẽfexelawo ɖe mɔxexe ɖe gadzraɖoƒe ƒe nusiwo bu nu ta, ke menye kpekpeɖeŋu nana wò ga ƒe sisi o. Ke boŋ do titinanya si woɖo ɖe ɖoɖo nu ƒe susu ɖa:

   "Elabena wotsɔ nudɔdɔwo ƒe 100% to [Ŋkeke] dzi kple ʋuɖola ƒe kplɔkplɔ si ŋu woɖo kpee (kpɔ Nɔnɔmetata A) eye míaƒe ŋutinya me nyaʋiʋli ƒe agbɔsɔsɔme nye [0.22%] ko, ga si wokpɔ gbɔ ƒe 100% léle ɖe asi hena ŋkeke 180 sɔ gbɔ sã wu fexexe ŋutɔŋutɔ ƒe ɖeɖefia. Míele biabiam bubutɔe be Underwriting natrɔ akɔnta sia tso 100% ƒe fexexe ƒe ɖiɖiɖeme dzi ayi a." 10% alo 15% ŋkeke 60 ƒe Rolling Reserve (alo alé \([X,000] Static Reserve** si woɖo ɖi si sɔ kple míaƒe ɣleti sia ɣleti ƒe nyaʋiʋli ƒe agbɔsɔsɔme ƒe 3x ɖe asi) eye nàɖe asi le **\)[XX,XXX] susɔea ƒe ga si wotsɔ ɖo ɖe mí la ŋu."

Afɔɖeɖe 3: Do Tier-1 Dzeɖoɖo si va yi ɖe ŋgɔ (CFPB, Dɔdzikpɔlawo ƒe Afɔku, BBB, kple EU/UK Ombudsman Channels) .¶

Ne wodzudzɔ wò akɔnta tegbee xoxo (menye be woatɔ vie ko be woalé ŋku ɖe eŋu o), dɔdzikpɔla ƒe gbeƒãɖeɖe si wowɔ le eɖokui si agblɔ be wolé ga la ɖe asi ŋkeke 90 va ɖo 180 eye "womagatsɔ nya ɖe eŋu ake o." Be nàna amegbetɔ Afɔkudzikpɔlagã alo Senyawo Gbɔkpɔla nalé ŋku ɖe wò Kpeɖodzinya si Wotsɔ Ðoa Nu Ŋu ƒe Nyatakaka me le Ŋkeke 30 alo Ŋkeke 60 lia dzi tsɔ wu be wòalala ŋkeke 180:

1. Ðo Nyatakaka si Woɖo Ðe Ðoɖo Nu to Certified Mail & Email dzi ɖe Processor ƒe Senyawo / Nyatakaka Adrɛs (Kple Underlying Acquiring Bank):
2. Kpɔ wò Stripe, PayPal, alo Square asitsahabɔbɔ ƒe nubabla ƒe ete be nàde dzesi Acquiring Bank (Member Bank) si le ete (le kpɔɖeŋu me, Wells Fargo Bank, Cross River Bank, Goldman Sachs Bank USA, Fifth Third Bank, alo Pathward).
3. Ðo ameŋububutɔe, nyateƒetɔe, senyala-ŋlɔ (alo dɔdzikpɔla de asi ete) Nyabiase be woaɖe Ga si Wodzra Ðo Ðe Gadzraɖoƒe Dzi Ðeɖe Akpɔtɔ Le UCC / Nubabla ƒe Xɔse Nyui ƒe Dzidzenuwo Te ɖa, nàtsɔ wò 100% Proof-of-Delivery kplɔ̃a akpe ɖe eŋu eye nàde dzesii be ga 100% léle ɖe asi ne ŋutinya me ga si wogbugbɔ xɔna ƒe ɖeɖefia nye < 0.3% nye tohehe si dzi womate ŋu azi o tsɔ wu be a afɔku ƒe nudzraɖoƒe si sɔ.
4. Dɔwɔƒe & Nyadrɔ̃la ƒe Dzidziɖedzi (Le Dziɖuɖu Nu):
5. United States: Tsɔ nyatoƒoetoto si me kɔ, si nye nyateƒe la yi Nuƒlelawo ƒe Ganyawo Takpɔha (CFPB le consumerfinance.gov/complaint), Dukɔa ƒe Asitsahabɔbɔ (FTC), wò Dukɔa ƒe Ganyawo Takpɔkpɔ kple Nu yeyewo dodo ɖe ŋgɔ ƒe Dɔwɔƒe (DFPI le California / NYDFS le New York) - afisi PayPal, Block/Square, kple Stripe le wowɔ ɖoɖo ɖe Gaɖoɖoɖa ƒe Mɔɖegbalẽwo - kple San Francisco/San Jose Asitsatsa Nyuitɔ (BBB) (si ɖoa mɔ tẽ yia Asitsalawo ƒe Kadododzikpɔlawo gbɔ le Stripe kple PayPal siaa).
6. United Kingdom: Esi wònye be Ganyawo Gbɔkpɔha (FCA) ye kpɔa Stripe Payments UK Ltd, PayPal UK Ltd, kple Squareup Europe Ltd dzi abe Elektrɔnik Ga Dɔwɔƒewo / Fexexe Dɔwɔƒewo ene ta la, woatsɔ Ŋuɖoɖo Mamlɛtɔ ƒe Nyatoƒoetoto aɖo ɖe dɔwɔƒea eye ne womekpɔ egbɔ o la, woatsɔe ayi UK Ganyawo Gbɔkpɔha (FOS) (ele anyi na dɔwɔƒe suewo kple dɔwɔƒe sue siwo ƒe asitsatsa mede £6.5 miliɔn o).
7. Europa Dukɔwo ƒe Habɔbɔ: PayPal (Europa) S.à r.l. kple Cie, S.C.A., kple 1999. nye Luxembourg gadzraɖoƒe si si mɔɖegbalẽ le si dzi CSSF (Commission de Surveillance du Secteur Financier) kpɔ ŋusẽ ɖo, gake Stripe Technology Europe Ltd kple Block/Square Europe ya Central Bank of Ireland (CBI) ye kpɔa edzi. Senyawo ŋuti nyatoƒoetoto si wowɔ le se nu si yɔ EU Fexexe Ŋuti Mɔfiame (PSD2) kple P2B Sedede zi edzi zi sedziwɔwɔ ƒe dɔwɔla ƒe ŋkuléle ɖe eŋu enumake.
8. Australia: Stripe, PayPal Australia, kple Square AU nye Australia Ganyawo Ŋuti Nyatoƒoetoto Dɔwɔƒe (AFCA) me tɔwo; dɔwɔƒe suewo ate ŋu atsɔ nyaʋiʋli si blaa ame femaxee la ayi AFCA ne fexexe dɔwɔƒe aɖe lé ga ɖe asi le mɔ si mesɔ o nu evɔ kpeɖodzi aɖeke mele eŋu be wobu o.

Alesi Nàwɔ Akɔntabubu, Hoʋiʋli, Eye Nàɖe Ðokuiwò Le Mastercard MATCH / TMF Blacklist Me¶

Ne èbia asitsala ƒe akɔnta yeye le Stripe, PayPal, Square, alo Shopify ƒe nuwuwu megbe eye gadzraɖoƒe yeyea gbe wò dɔbiagbalẽvia zi ɖeka heyɔ "Wogbe le MATCH / TMF ƒe afɔku ƒe ɖoɖo ta," dzudzɔ biabia na dɔwɔƒe geɖe wu vaseɖe esime nèkpɔ wò MATCH ƒe ŋkɔwo.

Mastercard MATCH Nyatakakadzraɖoƒea ƒe Sikase Se 3¶

Le dziɖuɖua ƒe Mastercard Dedienɔnɔ Ŋuti Sewo Kple Dɔwɔnawo (MATCH System Rules) te la: 1. Placing Acquiring Bank Ko Ate Ŋu Aɖe Asitsala (Negbe Ðeka Ko): Mastercard ŋutɔ alo ame etɔ̃lia "MATCH ɖeɖeɖa ŋuti aɖaŋuɖola" mateŋu atutu wò ŋkɔ ɖa le nyatakakadzraɖoƒea o. Acquiring Bank / Processor tɔxɛ si tsɔ wò da ɖe MATCH dzi koe ateŋu age ɖe nyatakakadzraɖoƒea eye wòaɖe xexlẽdzesiawo ɖa - ALOO Mastercard ateŋu aɖee ɖa tẽ ko ne èɖo kpe edzi to ʋɔnudrɔ̃ƒe ƒe sedede alo ɖoɖowɔɖi ƒe agbalẽdzikpɔkpɔ me be ŋkɔa nye vodada ŋutɔŋutɔ. 2. Mègaxe Fe Do Ŋgɔ Na "Guaranteed TMF Removal Agencies" Gbeɖe o: Ameflulawo ɖua asitsala siwo tsi dzodzodzoe to fexexe tso $3,000 va ɖo $10,000 si wogblɔna be "kadodo ememetɔwo le yewo si le Mastercard" be yewoatutu wò MATCH faɛl la me. Ema nye ameflunya 100 le alafa me. 3. Di Wò Digit 2-Digit MATCH Reason Code Tutɔ Gbãtɔ: Bia ISO alo asitsala ƒe akɔntabubu dɔwɔla xɔlɔ̃wɔwɔtɔ si gbe wò dɔbiagbalẽvi yeyea teti koe nye ema be wòagblɔ na wò Acquiring Bank ka tsɔ wò de MATCH dzi, Ɣletiŋkeke si tututu wotsɔe kpee, kple 2-digit Reason Code (01 vaseɖe 14): - Susu ƒe Kɔda 03 (Laundering / Factoring) alo 04 (Excessive Chargebacks): Kɔda siwo bɔ wu tso PayFac ƒe nuwuwu. - Susu ƒe Se 12 (Fexexegbalẽvi Dɔwɔƒe ƒe Nyatakakawo ƒe Dedienɔnɔ Dzidzenu [PCI DSS] Sedzimawɔmawɔ). - Susu ƒe Se 10 (Dzidzenuwo dzi dada / Asitsatsa siwo mele se nu o).

Alesi Nàwɔ Aɖe Wo Le MATCH Me Le Se Nu Hafi Ƒe 5 Nawu Nu¶

Mastercard ƒe sewo ɖe mɔ na Acquiring Bank be wòatutu MATCH ƒe nuŋlɔɖi kaba le nɔnɔme eve koŋ me: 1. Dziɖuɖu ƒe Vodada / Dzeside Vodada: Èɖo kpe edzi kple asitsatsa sesẽ ƒe nyagbɔgblɔwo be wò ɣleti sia ɣleti ƒe fexexe ƒe xexlẽme alo xexlẽme meɖo Mastercard ECP ƒe dzidzenu si wobia tso asiwò la gbɔ ŋutɔŋutɔ gbeɖe o (le kpɔɖeŋu me, ŋɔŋlɔdzesi si wowɔ le wo ɖokui si tsɔ wò kpe ɖe MATCH ŋu le Susu ƒe Se 04 te esime fexexe 14 koe nɔ asiwò ɖe 100+ teƒe, alo woda kaɖi dodokpɔ ƒe amedzidzedze ɖe hatsotso si mesɔ o me). 2. Dzidzedzekpɔkpɔ le Nudzraɖoƒe / Fe si Womexe O Ŋu: Ne amesi xɔ wò tsɔ wò da ɖe MATCH dzi le esi ga si susɔ ɖe wò gadzraɖoƒe ƒe ga si wogbugbɔ xɔ ƒe ga si mesɔ o la ɖiɖi le wò gadzraɖoƒe ƒe gakɔnta me le edzudzɔɣi ta la, fexexe ɖe ga si susɔ manyomanyoa ta bliboe to kaƒoƒo dzi ɖe Xɔxexe ƒe Lɛta si woŋlɔ si lɔ̃ be yeawɔ MATCH ƒe ŋkɔ yeye alo aɖee ɖa la ƒonɛ ɖe amesi xɔe ƒe Afɔkuwo Dzi Kpɔkpɔ ƒe Dɔwɔla nu zi geɖe be ɖe faɛl la ɖa.

Ale Si Nàwɔ Dɔ Ðe Gaxɔgbalẽviwo Ŋu Ne èle MATCH (High-Risk Direct Acquiring) dzi .¶

Ne placing processor gbe be yemaɖe wò MATCH xexlẽdzesiwo ɖa o la, wò dɔwɔƒea meku o: - Wɔ dɔa koŋ kple Asitsaha ƒe Afɔku Gã ƒe Akɔntabubu ISO / Direct Acquirer si woŋlɔ ŋkɔ na (etɔxɛ le TMF/MATCH ɖoɖo, ƒuta/aƒeme afɔku gã ƒe asitsatsa, nutraceutical, alo SaaS akɔntabubuwo me). - Na 100 le alafa me nadze ƒã le Ŋkeke 1 dzi kple afɔku gã ƒe agbalẽŋlɔla: tsɔ wò dɔwɔwɔ ŋuti nyatakaka siwo nèŋlɔ va yi la na wo, ɖe ŋkeke si tututu kple susu si ta nèŋlɔ MATCH ƒe ŋkɔwo ɖo la me, eye nàlɔ̃ ɖe dɔwɔwɔ ƒe agbɔsɔsɔme si kɔ vie (zi geɖe la, 3.5% va ɖo 4.9%) kpe ɖe 10% ŋkeke 180 ƒe rolling reserve si me kɔ ŋu* vaseɖe esime nàtu ɣleti 6 ƒe dɔwɔwɔ ŋutinya dzadzɛ.

Ale Si Nàtu Multi-MID Redundant Fexexe ƒe Xɔtuɖaŋu (Ale Be Dɔwɔnu Ðeka Mate Ŋu Atu Wò Azɔ Azɔ O)¶

Ŋuɖoɖo ɖe Stripe, PayPal, alo Square ɖeka ŋu be wòaxɔ wò dɔwɔƒea ƒe ga ƒe alafa memama 100 nye kpododonu ɖeka si gblẽa nu ŋutɔ. Hafi wò nudzɔdzɔ kpata nawu enu la, gbugbɔ trɔ asi le wò gaxɔgbalẽviwo ŋu to Two-MID + Automated Dispute Prevention Standard zazã me:

1. Lé Ðo Ðe Gadzraɖoƒe Eve Ya Teti Siwo Xɔa Ðokuisi (Load-Balanced MIDs):
2. Mègawɔ wò gbãtɔ kple megbekɔntabubuwo ɖe adzɔnu eve siwo zãa megbenyawo ƒe ƒuƒoƒo ɖeka dzi gbeɖe o (le kpɔɖeŋu me, Stripe kple Shopify Fexexe ɖekae naa zero redundancy wò elabena Shopify Fexexe nye ŋusẽ tso Stripe gbɔ eye wòma afɔku ƒe mɔ̃ ɖeka).
3. Tsɔ wò PayFac vevitɔ (e.g., Stripe alo Adyen) kpe ɖe Asitsalawo ƒe Akɔntabubu Tsã (MID) si woŋlɔ ŋkɔ na bliboe le gadzraɖoƒe si xɔa nu le eɖokui si (e.g., to Authorize.net alo NMI agbo si do ƒome kple First Data/Fiserv, TSYS/Global Payments, alo Worldpay dzi). Mɔ gbesiagbe ƒe ʋuwo ƒe 80% yi MID #1 eye 20% yi MID #2 ale be akɔnta si wodzra ɖo la nanɔ dzo dam, Seasoned, eye wòanɔ klalo be yeaxɔ ʋuwo ƒe 100% le sɛkɛnd 60 me to mɔzɔzɔ ƒe tɔtrɔ ɖeka dzi.
4. Automate Do ŋgɔ na Nyaʋiʋli ƒe Deflection (Verifi RDR & Ethoca Nuxlɔ̃amewo):
5. Ŋlɔ wò asitsalawo ƒe nuŋlɔɖiwo ɖe Visa Verifi Rapid Dispute Resolution (RDR) / Order Insight kple Mastercard Ethoca Alerts me.
6. Ne asisi aɖe si mekpɔ dzidzɔ o yɔ woƒe gaxɔgbalẽvi ƒe gadzraɖoƒe (Chase, Citi, Capital One, Barclays) be yeaʋli nya le fe aɖe ŋu la, Verifi RDR xea mɔ na nyaʋiʋlia le gadzraɖoƒea ƒe ɖoƒe eye eɖea gagbugbɔɖoɖo si do ŋgɔ na nyaʋiʋlia ɖe go le eɖokui si hafi wòva dzea Visa/Mastercard ketekemɔa dzi gbeɖe abe fexexe le se nu ene - si wɔnɛ be wò nyaʋiʋli ƒe xexlẽme gogo 0.05%.
7. Mègayi Dɔwɔwɔ ƒe Ga Dzi Gbeɖe Le PayPal, Square, alo Stripe Balances Me Gbeɖe o:
8. Ðo wò fexexe ƒe ɖoɖowɔɖi ɖe Gbesiagbe Automatic Sweep ɖe gotagome FDIC-nugblẽfexeɖoɖo ƒe asitsatsa ƒe gaxɔgbalẽvi me, eye nàtutu ga si sɔ gbɔ wu ga si le gaxɔ me tso gaxɔgbalẽvi ma si do ƒome kplii me yi ɖe vovo unlinked Operating Sweep Account ale be wòawɔ nuku na negative-reserve ACH pull (R01) mate ŋu agblẽ wò Dzoɖa dɔwɔlawo ƒe fetu xɔxɔ ƒe ga gbeɖe o.

Nutome ƒe xexlẽdzesi siwo ku ɖe nudzɔdzɔ kpatawo ŋu kple dɔwɔƒea ƒe ɖoɖowo¶

Ne wò fexexe ƒe mɔxexeɖedɔa ku ɖe gotagome kaƒoƒo ƒe ametafatafa, asitsanyawo ƒe e-mail ƒe nugblẽfexeɖoɖo (BEC), alo senyawo ŋuti nyatoƒoetoto ɖe gaɖoɖoɖa alo fexexe dɔwɔƒe si si mɔɖegbalẽ le ŋu la, te ɖe dziɖuɖumegã siawo ŋu:

• United States:
• Nuƒlelawo ƒe Ganyawo Takpɔha (CFPB): consumerfinance.gov/complaint alo 855-411-2372.
• California DFPI (Dɔwɔƒe si kpɔa Stripe, PayPal, kple Block/Square dzi): 866-275-2677 (dfpi.ca.gov).
• MÍ. Asitsaha Suewo Dzikpɔƒe (SBA) Dukɔa ƒe Nyagbɔkpɔha ƒe Dɔwɔƒe: 1-888-REG-FAIR (1-888-734-3247).
• FBI IC3 (Ne hacker aɖe xɔ wò Stripe/PayPal fexexe ƒe gadzraɖoƒe ƒe mɔfiame xexlẽdzesi): ic3.gov.
• Fiaɖuƒe Ðeka:
• Ganyawo Gbɔkpɔha (FOS): 0800 023 4567 (financial-ombudsman.org.uk).
• Ganyawo ƒe Agbenɔnɔ Ŋuti Dɔwɔƒe (FCA) ƒe Dɔwɔƒewo Dzikpɔkpɔ ƒe Kpekpeɖeŋunaƒe: 0800 111 6768.
• Europa Dukɔwo ƒe Ðekawɔha:
• Ireland ƒe Titina Gadzraɖoƒe (Dɔwɔƒe si kpɔa Stripe Europe & Square Europe): +353 (0)1 224 5800.
• CSSF Luxembourg (Gadzraɖoƒewo ƒe Ðoɖowɔla na PayPal Europa): (+352) 26 25 1-1 (cssf.lu).
• Canada: Canada ƒe Ganyawo Nuƒlelawo ƒe Dɔwɔƒe (FCAC) le 1-866-461-3222.
• Australia kple New Zealand: Australia ƒe Ganyawo Ŋuti Nyatoƒoetoto Dɔwɔƒe (AFCA) le ƒe 1800 931 678 (afca.org.au) alo Ganyawo ƒe Asitsahabɔbɔ (FMA New Zealand) le 0800 434 566. Kpɔ xexlẽdzesi siwo wozãna kpata.

Nya siwo wobiaa amewo enuenu¶

Ðe Stripe alo PayPal ate ŋu alé míaƒe ga ɖe te tegbee le se nu ne ŋkeke 180 ƒe ga si míedzra ɖo ɖi la wu enua?¶

Ao - negbe ɖe woxɔ wò ga to ʋɔnudrɔ̃ƒe ƒe sedede dzi, dziɖuɖu ƒe tohehewo tsi (OFAC), alo nuvlowɔlawo ƒe ametafatafa/fifi-kaɖi ƒe ga si ŋu kpeɖodzi le le afisi wòle be woatrɔ ga la ana kaɖixɔla siwo woble le afisi wòle be woatrɔ ga la na kaɖixɔla siwo woble la, fexexe ŋuti ɖoɖowɔla mate ŋu alé asitsalawo ƒe ga si le se nu ɖe ​​te tegbee ne fexexe ƒe agbanɔamedzi ƒe fesrea wu enu o. Ne ŋkeke 90 va ɖo 180 ƒe fexre si le se nu be woaxe fe na ame la tu eye woɖe asisiwo ƒe nyaʋiʋli kple fe siwo katã sɔ la le eme ko la, ele be dɔwɔƒea naɖe ga si susɔ si wodzra ɖo ɖi la ɖe go ɖe wò gadzraɖoƒe si do ƒome kplii la me.

Nukatae wòle be magbugbɔ ga na asisiwo tso nye Stripe alo PayPal dashboard si wofa tsikpe me tsɔ wu be mana woatsɔ gaxɔgbalẽviwo ana?¶

Ne wotu wò gadzraɖoƒe ƒe fe siwo nèdona ɖa gɔ̃ hã la, "Gbugbɔgadzɔ" ƒe dzesi si le wò Stripe, PayPal, alo Square dashboard me la gakpɔtɔ wɔa dɔ eye wòxea fe na asisi la tẽ tso wò ga si nèxe la me. Gagbugbɔɖoɖo tẽ nana xɔa $0 le nyaʋiʋli ƒe tohehewo me eye MELE be woabu ɖe wò Visa/Mastercard ƒe fexexe ƒe xexlẽme nu o, evɔ ne èna asisi 100 tsɔ ga si wogbugbɔ xɔ le gadzraɖoƒe la hea dɔlar 1,500 va ɖo $2,500 le nyaʋiʋli ƒe fe siwo womate ŋu agbugbɔ axɔ o me, enaa wò nyaʋiʋli ƒe xexlẽme wu 1.0%, eye wòʋãa ƒe 5 ƒe Mastercard MATCH ƒe ŋkɔ ɣi ƒe xexlẽdzesi.

Aleke mawɔ anya ne wotsɔ nye dɔwɔƒe alo nye ŋkɔ de Mastercard MATCH / TMF ƒe xexlẽdzesiwo me?¶

Mastercard menaa dutoƒo nuƒlelawo didi ƒe nyatakakadzraɖoƒe na MATCH nyatakakadzraɖoƒea o, eye ƒã hafi dɔdzikpɔlawo gblɔna le woƒe nuwuwu e-mail me be yewotsɔ wò kpe ɖe MATCH ŋu. Mɔ si dzi nàto akpɔe kabakaba wue nye be nàbia tso Asitsaha ƒe Akɔntabubu ISO (Independent Sales Organization) si le eɖokui si gbɔ eye nàbia tso nugblẽfexeha ƒe dɔwɔla si tẽ be wòawɔ MATCH biabia do ŋgɔ na dɔbiagbalẽvia wɔwɔ le wò EIN, asitsaŋkɔ si le se nu, kple wò ŋutɔ wò SSN dzi - woakpɔe le sɛkɛnd 60 me nenye be nuŋlɔɖi aɖe li, gadzraɖoƒe si dae, kple Susu ƒe Se si me xexlẽdzesi 2 le.

Ðe LLC yeye aɖe ɖoɖo kple EIN kple nyatakakadzraɖoƒe yeye nana metoa Mastercard MATCH ƒe ŋkɔwo ŋɔŋlɔ ŋua?¶

Ao - elabena Mastercard MATCH nyatakakadzraɖoƒea ŋlɔa ame ŋutɔ ƒe Hadomegbenɔnɔ ƒe Dedienɔnɔ Xexlẽdzesi (alo Dukɔa ƒe ID), dzigbezã, aƒe ƒe adrɛs, kple aƒetɔ vevitɔ ɖesiaɖe ƒe ame ŋutɔ ƒe ŋkɔ (amesiame si si 10% va ɖo 25%+ ƒe ga le alo de asi ete abe dɔwɔla ene), ne èbia le LLC yeye aɖe te kple EIN yeye si ŋu wò ŋutɔ wò ŋkɔ le abe aƒetɔ ene la aʋã MATCH ƒe ƒoƒo enumake le KYC ƒe amenyenye ƒe kpeɖodziɣi. Ƒomea me tɔ alo ame si woɖo la dada ɖe dɔbiagbalẽvia dzi abe gbeɖuɖɔ tɔ ene ("fronting" alo "factoring") nye dukɔa ƒe gadzraɖoƒe ƒe ametafatafa ƒe sedzidada eye wòhea MATCH Reason Code 03 (Laundering) vɛ.

Aleke mawɔ atɔ te kaɖi dodokpɔ bot ƒe amedzidzedze le nye Stripe alo Shopify ƒe gaxɔgbalẽvi dzi hafi míaƒe akɔnta natsi?¶

Kpekpeɖeŋunamɔ̃ siwo doa gaxɔgbalẽviwo kpɔna tsɔa gaxɔgbalẽvi ƒe xexlẽdzesi akpe geɖe siwo wofi la ƒua gbe ɖe dutoƒo gaxɔgbalẽviwo dzi, si wɔnɛ be Visa/Mastercard ƒe ametafatafa ƒe aflaga gãwo dona le gaƒoƒo ʋɛ aɖewo ko me. Enumake ʋu Cloudflare WAF / Turnstile CAPTCHA le wò gaxɔgbalẽvi kple fexexe-tameɖoɖo API mɔwo dzi, na 3D Secure 2.0 (3DS2) ƒe ɖaseɖiɖi si nye sedziwɔwɔ nawɔ dɔ le Stripe Radar alo wò agbo nu, xe mɔ na virtual card siwo woxe do ŋgɔ/siwo womeyɔ o ne esɔ, eye nàbia CVV + Postal Code AVS ƒe kpeɖodzi sesẽ, emegbe nàgbugbɔ ga na wò le agbɔsɔsɔ gã me $1 va ɖo $5 bot dodokpɔ sue ɖesiaɖe fe siwo woxɔna hafi agbalẽvixɔla vavãwo nagblɔ be wofi wo.

Mɔfiame siwo do ƒome kplii¶

• Asitsalawo ƒe akɔnta ƒe freeze kple chargeback ametafatafa taʋiʋli
• Fetu ƒe gazazã ƒe kuxi kple fetu ƒe sedziwɔwɔ si to vovo
• Nudzralawo ƒe fexexe kple gazazã ƒe mɔxexe
• Point-of-sale (POS) ƒe nutsotso, internet ƒe anyimanɔmanɔ, kple gaxɔgbalẽviwo zazã le Internet dzi

Dzɔtsoƒewo kple dziɖuɖumegãwo ƒe mɔfiame¶

• Mastercard Dziɖuɖua ƒe Dedienɔnɔ Sewo Kple Dɔwɔnawo (Xexeame Katã ƒe): Asitsalawo Dzi Kpɔkpɔ ƒe Ðoɖo, Fexexe Gã ƒe Ðoɖo (ECP), kple MATCH (Hamea me tɔwo ƒe Nuxlɔ̃ame be Woakpɔ Asitsalawo Siwo Le Afɔku Gã Me Dzi) System Tsɔtsɔ Kpe Ðe Eŋu Kple Wo Ðeɖeɖa ƒe Dzidzenuwo.
• Visa ƒe Se Veviwo kple Visa ƒe Adzɔnuwo Kple Dɔwɔwɔ ƒe Sewo: Visa Nyaʋiʋliwo Dzi Kpɔkpɔ ƒe Ðoɖo (VDMP), Visa ƒe Ametafatafa Dzi Kpɔkpɔ ƒe Ðoɖo (VFMP), kple Visa Xɔxɔ Dzi Kpɔkpɔ ƒe Ðoɖo (VAMP) ƒe Dzidzenuwo.
• Nuƒlelawo ƒe Ganyawo Takpɔha (CFPB) & Dukɔa ƒe Asitsahabɔbɔ (FTC, United States): Fexexe ƒe Dɔwɔha ƒe Nudzraɖoƒe ƒe Nuwɔnawo, Sedede E / Sedede Z Nyaʋiʋli Ɣeyiɣiwo, kple Asitsaha Suewo ƒe Ganyawo ƒe Nyatoƒoetoto ƒe Dzidziɖedzi.
• UK Ganyawo Ŋuti Dɔwɔƒe (FCA) & Ganyawo Gbɔkpɔha (FOS, United Kingdom): Fexexe ƒe Dɔwɔƒe ƒe Sedede 2017 (PSR), E-Ga léle ɖe asi ƒe seɖoƒe siwo wokpɔ ta na, kple dɔwɔƒe suewo ƒe nyawo gbɔ kpɔkpɔ ƒe gomenɔamesiwo.