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For the merchant with an unbalanced channel:

Yeah but that's not how it works is it. Again.. this is a very idealistic view and not realistic in terms of how it actually works. Look at Paypal for example. Most merchants will receive far more via

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Lets assume that there are 3 types of entities. (A) buyer, (B) hub and (C) merchants.

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We was just started using Stripe after providing them all valid documents in March 2018. And they just simply send us an email after complete $300+ transaction on 10 April 2018 by saying they can't ac

especially compared to how costly more localized merchant payment gateway accounts used to be back 10-15 years ago. Obviously not something you need, but yeah, between them and Square (who use the S

You need a merchant's proof.

Yeah, but business is no charity and risk costs as proved above. Chargebacks cost (and can have long-term consequences - namely rates and even closed merchant accounts). Lost Customers cost. Doing the

I understand that disputes cause harm to a merchant's reputation with a payment gateway. Heck I've had 13 in the past year with Razorpay and PayPal, but what seemed to solve them was talk and sort it

I have similar rules conveyed in my merchant account contract.

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vs Mastercard, it appears that in practice, any merchant that accepts Visa, also accepts Mastercard, and vice versa. At any rate, it's hard to find reliable figures about a significant difference in

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Then it is in the merchant interests to refund to the original payment method to avoid liability.

It absolutely does if it passes in CVV2 which cannot be stored under absolutely no circumstances in neither encrypted nor plain text form (and without CVV2 you’re likely to face a lot of bank declines

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I also think PayPal could do better by sending emails to their customers with subscriptions letting them know a few days in advance that money will be sent to a merchant.

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