Nutraceutical merchant account processing history. Banks issuing the cards receive these fees. Nutraceutical merchant account processing history

 
 Banks issuing the cards receive these feesNutraceutical merchant account processing history  Offshore Nutraceutical Merchant Accounts (with payment processing history): Instabill requires 3-6 months of payment processing statements displaying your company name as well as total sales, chargebacks, refunds and returns

Please use our quick form to start the application process and get your store up and running today!. Traditional financial institutions may be wary of the industry's high-risk label, making it essential to seek out merchant accounts specifically tailored to the needs of nutraceutical e-commerce. Nutraceutical Merchant Accounts; Pharmacy Merchant Accounts; Ticket Brokers; Travel Agency Merchant Accounts; All High Risk Merchant Accounts (877) 441-6801; Apply Today! Back. If you take a. Supports reproductive health. It is projected to leap 20 percent by 2019, and reach $6. We charge the fees differently based on several factors: merchant processing history, industry type (low or high risk), projected sales volume, etc. A nutraceutical merchant account is a specialized payment processing solution designed specifically for businesses operating within the nutraceutical industry. So, the cost of ACH processing depends on the payment processor you use. A nutraceutical merchant account is a type of merchant account that is specifically designed for businesses that sell nutraceutical products, such as dietary supplements, vitamins, and other health-related products. Membership. This means that nutraceuticals imported from the United States, must be assessed and approved by Health Canada and a site licensed facility. As a business expands, our online payment processing services can quickly scale accordingly, preventing any. A virtual terminal is a web-based application and requires no additional software. Also known as a tobacco shops, many financial services companies have distanced themselves from the industry. A virtual terminal connects to a secure payment processing gateway. What you need to look out for is getting locked in a long term contract while you are still on the first step and. It can be any kinds of foods or supplements that can be considered medically or functionally beneficial to ones body. Retail Payments. Nonetheless, experienced payment companies. The merchant account provider will usually require a high-risk account to process these payments. With high chargebacks, continuity billing and excessive friendly fraud cases, it is not surprising that nutraceutical merchant processing is considered higher risk for traditional banks and payment processors. Generally, our. Nutraceutical Merchant Accounts. One-time & Recurring Payments. This type of merchant account allows businesses to accept credit and debit card payments from customers and process them securely. The whole process can be completed in as little as 48 hours between application to processing payments. Their applications for opening such an account may be rejected or they may be offered to pay high charges to cover the potential risks of the bank. This is crucial for building trust with clients and maintaining a strong reputation in the industry. Here is an overview of the process to set up a merchant account for online gaming: Research and choose a payment processor : Look for a payment processor that specializes in online gaming and has experience in dealing with the industry’s specific. We get nutraceutical merchants approved when other processors decline. 3 billion in 2022, and is expected to grow at a CAGR of 8. In the realm of high-risk payment processing, few sectors face as many challenges as the nutraceutical industry. Durango Merchant Services: Best for highest-risk businesses. You will be contacted within one business day . become an agent; development; gateway; blog; are you in need of supplemental credit card processing for your nutraceutical merchant account? are you in need of supplemental credit. Due to regulatory and compliance concerns, these businesses face challenges in finding suitable merchant accounts and payment gateway solutions. Other products and services considered high risk. So, what does it really mean to be Visa. In e-commerce, a shopping cart is a software application that allows customers to select and purchase products or services from an online store. An ACH merchant account allows businesses to receive. What Merchants Say. New broker business echeck accounts are easily approved and set up. 28 billion in 2019, according to Grand View Research. The types of businesses approved for merchant services can vary between the different merchant-acquiring banks. Two of the most common supplements today with difficulty in securing supplement merchant accounts have been SARMs and Peptides. After convincing people to buy dietary supplements and herbal products online, nutraceutical merchant accounts rely heavily on front-end payment gateway technology when accepting credit and debit cards for their sales. This is good news for nutraceutical merchants, as they have a never ending audience ofr their products and do not have to abide by the strict U. This is a private code sent to MasterCard account holders’ mobile numbers or email addresses that provides additional security to every transaction. The nutraceutical industry, or “nutra” industry brings in a yearly revenue totaling roughly $181. 3d secure; recurring billing; ach payment processing solutions; level 2 & 3 credit card processing. Most banks in the world dread dealing with nutraceutical industry. Reach out. When a consumer calls a card issuing bank to dispute a charge. It takes just a few minutes to complete. In fact, it is not uncommon for a nutraceutical merchant to have a chargeback ratio in excess of 2%. This is well over what Visa considers an excessive level of chargebacks. Specializing in eCommerce businesses, Allied Payments can provide a host of different payment options. E cigs provide many of the same effects of nicotine without creating smoke, rather emitting water vapor. Merchant Accounts: Merchant accounts (or MIDs) are a type of bank that allows businesses to accept payments by debit or credit cards online. Published on November 7, 2018. #1 eMerchantBroker Top Pick for Kratom Credit Card Processing. Complete, Secure Payment Processing Solutions. Despite […] High-risk payment processing refers to the handling of transactions that are considered to have a higher level of risk, such as products in the nutraceutical industry. Free application with no obligation. What Merchants Say. Once a business hits a ratio of 0. residents have become more focused on preventative health and are willing to spend a lot of money on vitamin supplements and other nutraceutical items. Merchant Accounts: Debt Collection Services from a Collection Agency Merchant Account. Most businesses have issues taking off, but when that business is labeled as “high risk”, the problems mount even higher. This meteoric growth has propelled the industry into new frontiers, most notably in payment. Of course, the large team will be there to assist you in completing the kit before sending it to the bank. At a compounded rate of 21% per annum, this dream will most likely come true. Along with the application, merchants will need to submit the following items to. Merchant Accounts. One of our skilled high risk agents will be in touch within 1-2 business days to help explain the application and the process of obtaining a merchant account with us. A Terminated Merchant File is used by processing companies to screen merchant account applicants. The MasterCard 3D Secure code is only for one-time use and is only. Get more volume quickly. For the last few years, Nootropics, sometimes referred to as “smart drugs,” have been adding to the profits of the nutraceutical merchant account industry in ways that, up until now, could only be imagined. Acquiring and maintaining a reliable merchant account is a significant challenge for nutraceutical businesses. 49 billion by 2028. Apply Now. One of our skilled high risk agents will be in touch within 1-2 business days to help explain the application and the process of obtaining a merchant account with us. Call us Toll Free (866) 509-7199. International merchant support. Additional benefits include balanced hormones, improved mood,. Pet supply merchant accounts Storage facility merchant accounts with. Payment processing for high risk nutraceutical merchant accounts are in high demand. A Hold Back, also known as a reserve, is a pre-determined amount that is set on some types of merchant accounts. The demand. Copy of the fulfillment agreement. Our Internet merchant account services provide businesses with the reliability and security to run smoothly and thrive over the Internet. All this being said, having the proper card payment processing services for the sales of these products must be done via a high-risk merchant account. For high-risk merchants, credit card processing online can be a challenge because of their corporate location or the industry they are involved in. National Processing Great For High Risk Point-of-Sale. We also partner with 3 rd party vendors to provide affordable merchant accounts and credit card processing services to high risk business around the word. For this, the merchants depend on credit card payments from customers to make money and support growth. Selling nutraceutical products can be a slippery slope, which is why we’re straightforward with banking guidelines and protocol. Learn MoreGun Friendly Credit Card Processing; Credit Repair Merchant Account; Continuity Subscription Merchant; Large Digital Goods Merchant; Blog “Start Accepting Credit Cards Today” Get Approved Now ️. While products change, one thing that stays the same is the hassle of locating a nutraceutical merchant account provider. It’s time to upgrade or switch your nutraceutical merchant account and focus on these new marketing techniques for 2021. FFL (Federal Firearms License) The Bureau of Alcohol, Tobacco, Firearms, and Explosives (BATFE) issues the FFL (Federal. Nutraceuticals are divided into three distinctive categories: functional food (probiotics, nuts, tomato products, yogurt), functional beverages (sports drinks), and dietary supplements (vitamins, minerals. Identify a niche. Nutraceuticals are highly regulated products that require specialized payment processing solutions. Chargebacks occur when a customer disputes a transaction with their credit card company, leading to a refund. We keep your money safe, so you can keep doing what you love. The U. In the United States, about 75% of adults take some form of dietary supplement; 10 percent over the past 10 years, according to the Council for. Nutraceutical merchants often have trouble finding online credit card processing and a reliable nutraceutical merchant account, which seems ludicrous considering that. So, the cost of ACH processing depends on the payment processor you use. We charge the fees differently based on several factors: merchant processing history, industry type (low or high risk), projected sales volume, etc. Visit Website. Your nutraceutical merchant account could be slowly bleeding you dry and sucking out extra capital. Within the realm of high-risk payment processing, the nutraceutical industry stands out as one of the most challenging sectors. Getting started takes one minute Zenti was referred to me by my developer. nutraceutical, type of food substance that helps to maintain health and prevent illness. 20-$1. In fact, many banks have. A high-risk merchant account is a holding account where money is received after the customer’s payment reaches. Easy Pay Direct. Rapid growth of your business from small to medium or high volume. Processing History for Stripe, Square, and PayPal. Three Months Processing history showing a at least $50,000 per month is required to qualify for an adult merchant account. If chargeback rates are low, it is a good thing,. Say you ’ re a subscription, adult, dating, business opportunity, cosmeceutical, or nutraceutical merchant and you ’ve been processing for a year or more. These merchant accounts are also known as a "travel merchant services". Get a Merchant Account to Sell Supplements Online From MID Kingz Solutions. The company’s products include ACH processing, an online payment gateway, merchant cash. 4 billion as of 2015, and is estimated to reach $204. Get Started Today. ACH payments are used to move funds from one bank account to another. By SecureGlobalPay | September 13, 2021. As our staff at FintechMerchantAccounts conducted our research on the nutraceutical industry (” Nutra”) we found that it is estimated to grow to a staggering $671 billion by 2024 worldwide. Nutraceutical Merchant Account. DigiPay knows how to navigate the high-risk nutraceutical payment processing space and has developed exclusive partnerships that allow for our qualified. The global nutraceuticals business reached total sales of approximately $180B in 2015; the industry projection for 2017 exceeded $204B. No Comments. . Merchant Services For Travel & Entertainment Business - National Merchants is your trusted partner and advocate in credit card processing. Diversify your nutraceutical merchant accounts to mitigate risk. That’s where we come in. Reach out to our. In the realm of high-risk payment. How To Apply For A Supplements Or Nutraceuticals Merchant Account. For more information, visit the PaymentCloud website or call (888) 506-7859. Nutraceutical merchants that are doing well have a high volume of sales, which naturally creates more opportunities for chargebacks, fraud, and other problems to occur. Don’t let payment processing issues hold you back – contact QuadraPay today to learn more about their services and how they can help your nutraceutical business thrive. Increase revenue and patient loyalty. This labeling has made applying for and approving a merchant account difficult. You need EMB. Increases energy. Our CBD merchant services cover Cannabidiol, Hemp & CBD Oil considered high-risk merchants. Founded in 2012, Easy Pay Direct competes with some of the older merchant account providers available. After a quick internet search, you find a provider offering “instant merchant account approval” for high risk credit card processing. Nutraceutical merchant accounts from High Risk Credit Card Processing Accounts. Learn MoreProcessing History for Stripe, Square, and PayPal. Nutraceutical Merchant Accounts 2018. For credit card processors, the nutraceuticals industry presents both unique opportunities and challenges. Major studies project that the global dietary supplements industry will grow to $278. It’s undeniable that the nutraceutical market goes on growing at a rapid pace. Nutraceutical Merchant Accounts;. The list of industries considered high risk is long and includes nutraceuticals, magazine subscription services, CBD, debt consolidation, multi-level marketing, travel, and many more. In some cases, it is a planned and intentional act of fraud, but in other cases it may be something like “ friendly fraud . Once a nutra company is approved, payment processors set monthly processing limits for new businesses, typically between $25,000 and $50,000 per month, for the first three-to-six-months. Most businesses have issues taking off, but when that business is labeled as “high risk”, the problems mount even higher. Funds leave the customer’s account and get deposited into the merchant account. Telemedicine merchant accounts also create an additional revenue stream for telemedicine software providers, adding profits without much additional work. A government-issued ID like a state-issued driver’s license. Typically, a merchant account is used for credit card processing and eCheck processing but can be used for a variety of payment processing needs. All of them are. The same merchant account can be used for online payments or. In today’s ever-changing health and business landscape, the convergence of NMN, nutraceuticals, and merchant payment processing is revolutionizing our approach to well-being and financial… This will assist in the simple acceptance of a nutraceutical merchant account. All Nutraceutical Merchants welcome. What this means for you, the nutraceutical business owner, is that the process to apply for a nutra high risk merchant account is longer and tougher. Call us immediately to get on the fast track for high risk merchant processing, and get your high risk merchant account approved fast. Without a merchant account, these associations have no genuine method to recognize credit and check card transactions. Most businesses have issues taking off, but when that business is labeled as “high risk”, the problems mount even higher. Texas Rules & Regulations for the Credit Repair Industry. Ideal for businesses with a wired internet connection and a traditional storefront, these sales typically have the lowest fraud and chargeback risk and are therefore. The market is projected to reach USD 220. An EMerchant Authority nutraceutical merchant account allows you to accept all credit cards, meaning you can sell your nutraceutical products to customers from all over the world. Nutraceuticals are divided into three distinctive categories: functional food (probiotics, nuts, tomato products, yogurt), functional beverages (sports drinks), and dietary supplements (vitamins, minerals. Complete, Secure Payment Processing Solutions. While these processors have reduced the acceptable business models, there have been banks emerged with a risk appetite. Our highly skilled team has merchant accounts for businesses with processing volumes ranging from $20,000-$100,000,000 and up per month. Typically, a merchant account is used for credit card processing and eCheck processing but can be used for a variety of payment processing needs. Streamlines management of multiple accounts. We provide online payment processing for high risk nutraceutical merchant accounts. First, the industry is regulated. What Are Nutraceutical Merchant Accounts? A nutraceutical merchant account is required to accept and process card payments. The ACH network is a system that facilitates electronic transfers between bank accounts in the United States. Many patrons of online pharmacies are having trouble purchasing medication from cheap, international online pharmacies using credit cards. 3. Their consumption of calcium, Vitamin D, fish oil capsules, and supplements to keep joints moving without pain are at record levels. A subsidiary of Visa, Authorize. Nutraceutical merchant accounts have also assisted the nutraceutical industry in a majority of ways. Nutraceuticals (also referred to as nutra) is a growing industry in the United States and worldwide. A government-issued ID like a state-issued driver’s license. Apply for a High Risk Merchant Account Today! Seeking a High risk merchant account to accept payment through credit cards – Mid Kingz Solutions is here to help you around the clock. Let us get you set up today. Obtaining nutraceutical credit card processing is a challenge sellers face. But, understandably, they make. There are many companies out there in the market providing Nutra payment gateway and nutraceutical merchant account. Typically, a merchant account is used for credit card processing and eCheck processing but can be used for a variety of payment processing needs. The number assigned to each merchant account to help with accounting, billing and customer service issues. They were super responsive, they asked great questions. Navigating these complexities requires a strategic approach, a commitment to quality, and partnerships with specialized high-risk payment processors. Take a look at your ACH payment processing, merchant accounts, and how your company handles chargebacks. All Dating Merchant Accounts are unique but included terms stay the same for most: merchant discount rate (MDR), transaction fees, monthly gateway fee, 0-6. After decades of processed foods and unhealthy habits, nutraceuticals and the plant-based food revolution is gaining traction, though many are wary of medicinal uses of some of these products for a variety of reasons. A third-party company that provides payment processing services for merchants. EMB has partnered with Shopify to meet your payment processing and merchant account needs. These businesses are often rejected by standard merchant accounts because of the risk to banks. The nutraceutical industry, as a part of the high-risk payment processing landscape, faces distinct challenges in payment processing, merchant account acquisition, and regulatory compliance. 252. High ticket merchants and merchants with bad credit. services. The nutraceutical industry (“Nutra”) is no laughing matter. According to a recent report, the Global Nutraceutical Market was valued at $382. You need a dependable high risk merchant account provider for your nutraceutical merchant account. Step 4: Sell your nutra. We will also give you a few tips on how to choose. Improves gut health. Underwriters analyze the application file to calculate the probability of handling payments for nutraceutical. 3 billion in 2017. With affordable rates and great service, your herbal supplements business is in good hands. Sharper mental clarity. government regulates nutraceutical businesses, which means these. Depending on several factors — industry type, processing history and sales volume — our merchant account fees are fair, competitive and consistent within the industry. Without a merchant account, these businesses have no way to accept credit and debit card transactions. For the CBD and cannabis industry, ACH and eCheck payment processing offer secure and reliable alternatives to traditional payment options. Check out our nutraceutical merchant accounts today and. High risk products are products and services that are sold by merchants who operate within high-risk industries. If you sell vitamins, herbal products, or supplements, you will likely have to open a high-risk nutraceutical merchant account with your bank or payment processor. Or Call: 800-993-6300. Those with legitimate pharmacy licenses can ensure a smooth process in securing a merchant. Accept credit card payments online hassle-free. It’s basically an eCommerce list that warns other financial institutions. Home; Merchant Services. – Webcam and Live Video Streaming Sites. The process usually requires processing payments from the customer’s account into the vape merchant account. If your business has a brick-and-mortar. This includes wrinkle creams, dietary supplements in powder form, and libido. 5%. Merchants with businesses that require high risk credit card. This gives processors time to develop a customer risk profile by evaluating payment flows, average ticket sizes, processing levels and chargeback ratios. Medical Gift Card and Medical Discount Card Program. At a compounded rate of 21% per annum, this dream will most likely come true. The payment processor (private corporation or banks) give the final approval of your account. Typically, a merchant account is used for credit card processing and eCheck processing but can be used for a variety of payment processing needs. International nutraceutical merchant accounts are approved 7-14 days after the application file has been received and verified. OLD processing history. Free setup and zero upfront fees. Signature Payments is the #1 payments company in the industry of high risk vape and E-Cig merchant accounts. Merchant Services For Travel & Entertainment Business | National Merchants. The final step in your custom nutraceutical supplement business is to begin processing payments on your site. If you have everything in order, these service providers will see that your business begins processing payments ASAP. Get Started Today. Credit Score: Payment processors may ask for your credit score and credit history, particularly if you are applying for a high risk merchant account for the first time. High risk nutraceutical merchant accounts are in high demand for payment processing. To keep diseases, like high blood pressure, at bay and to maintain optimal wellness levels, consumer demands for supplements and nutraceuticals continues to rise. 3 months of the most recent processing statements, if applicable A SSN (Social Security Number) or EIN (Employer Identification Number) Chargeback ratios must be under 2%; If you would like to learn more about a nutraceutical merchant account or begin the application process, contact the team of experts at eMerchantBroker. Nutraceutical Merchant Processing Accounts | Getting It Right. With an astute understanding of the diverse categories, complex compliance norms, multiple payment processing models and SIC & NAIC codes, Merchant Advise can assist you in securing a nutraceutical merchant account with the right bank in minimal time. – Adult Cruise Lines. Our friendly and skilled representatives are standing by ready to assist you. . Vape and E-Cig Merchant Accounts. Various payment methods, such as credit cards, debit cards, and other options, can be used for processing. Among the fees our merchant partners can expect to pay, contingent on the acquiring banking solution we arrange, include: Discount rate; Transaction fee; Merchant account feeWe offer high-risk merchant accounts in a variety of industries. We find the best payment processing solutions for your company! Learn more. You fill. Your company is growing and needs another merchant account. Lesser food cravings. Enable 3D Secure in your payment gateway. Build good brand partnerships with influencers. The process may take up to 6 months, with an initial registration fee of about $10,000 for the first year, and $5,000 for the following. We provide secure payment gateways (shopify, woocommerce, etc), ach & credit card processing. Companies that offer pharmaceutical alternatives struggle to obtain nutraceutical merchant accounts because the industry still struggles to find. Enjoy credit card processing solutions, a secure payment gateway, credit repair, a virtual terminal, etc. Our very lucrative affiliate program is unlike any others. A merchant account is a specific type of bank account that allows merchants to accept payments. While these processors have reduced the acceptable business models, there have been banks emerged with a risk appetite. An acquiring bank, also known as an acquirer, is a third party that offers a merchant account to a business for the purpose of accepting payments. This has created a significant demand for online credit card sales and nutraceutical merchant account services. Merchant Services Providers can also help with the card networks in managing merchant accounts. Here is an overview of the process to set up a merchant account for online gaming: Research and choose a payment processor : Look for a payment processor that specializes in online gaming and has experience in dealing with the. “High risk” businesses include everything from car dealerships to e-cig vendors, and even merchant credit can have an impact. Factors such as fees, security, customer support, and compatibility with your business model need to be carefully evaluated. First Name. Retail Payments. The list of industries considered high risk is long and includes nutraceuticals, magazine subscription services, CBD, debt consolidation, multi-level marketing, travel, and many more. com, know that nutraceutical merchant accounts are hard to come by. Why You Need Nutraceutical Credit Card Processing. Secure online payments with bank transfers are like cash payments and cannot be charged back. Underwriters need to review the processing history to get a clear idea of chargeback issues a. The whole process can be completed in as little as 48 hours between application to processing payments. Chargeback protection. The Smart Drug Industry. To get a nutraceutical merchant account, an online application is the quickest way to an approval. This gives processors time to develop a customer risk profile by evaluating payment flows, average ticket sizes, processing levels and chargeback ratios. A high-end reward card will charge a higher fee than a standard, no-rewards card. Rich Cloud Reporting. With increasing consumer demand for convenient and secure payment options, accepting credit cards and implementing efficient payment processing solutions have become essential. 65%, Visa will request an investigation into the cause and that an action plan be developed. Without a mer. This includes information on individual transactions and batch totals with comprehensive reporting tools. Debit PIN Pad and Stand Alone Terminal. 3 months of business banking statements; Approvals: 5 business days to 2 weeks; Offshore Startup Nutraceutical Merchant. Nutraceutical Merchant Accounts; Pharmacy Merchant Accounts; Ticket Brokers; Travel Agency Merchant Accounts; All High Risk Merchant Accounts (877) 441-6801; Apply Today!. Due to larger numbers of chargebacks, increased fraud allegations by customers (legitimate or not) and the lack of a regulatory system in place in the nutraceutical field, banks and credit card processors consider the nutraceutical industry to be very high-risk and are often unwilling to provide business owners with their much-needed merchant. These limits are typically between $25,000 and $100,000 per month. The condition is even more tricky for Nutraceutical companies since they are affected by the High Risk vs Low-Risk categorization, done mainly by merchant account providers for Payment Processing. – Online Dating. Our check solutions offer fast ach deposits to your existing business checking account for quicker cash flow. Authorize. Here’s how to set up a fat-soluble Nutraceutical store. A nutraceutical product is a purified or isolated item that must have the ability to combat chronic diseases or have a physiological benefit. And while they cater mainly to high risk merchants, their services are also available to lower risk businesses looking for trustworthy,. A Canadian merchant account is a specific type of bank account that allows merchants to accept payments. When customers select a product they want to. As part of the underwriting process, the processing history is checked. Please use our quick form to start the application process and get your store up and running today!. This is particularly true for nutraceutical companies that need to harmonize customer needs while operating in full compliance with industry laws and regulations. This way, you are denied any chance of getting your hands on a merchant processing account. Apply Now. NACHA , which operates the vast ACH network within the United States, doesn’t set the interchange fees associated with ACH payments. The right merchant account and payment processing solution is essential for any online business — it's even more critical for nutraceutical businesses, where reliability and brand reputation are crucial. Especially for high risk merchants. 1 billion. Typically the holdback amount with high risk services is bewteen 5 and 10%. Unexplained gaps in processing history. The final step in your custom nutraceutical supplement business is to begin processing payments on your site. audience that continues to be extremely health conscious is the baby boomers. Look for vendors that use language stating they are friendly to your business. Nutraceuticals Nutraceuticals With health and beauty dominating our youth-oriented culture, opportunities abound for companies that offer subscription nutraceuticals, vitamins and free trial/continuity memberships. 51 billion in 2022 and is expected to reach a whopping $722. A merchant account provider processes all types of cashless payments including checks, credit and debit cards, online, and mobile payments. 5% plus 15 cents for manually keyed transactions. Forex echeck processing solves your brokerage’s card payment processing problems. 98% approval rates for high risk credit card processing. NMA investigates the Nutra firm and evaluates its payment processing history. Contact us today at 1-877-296-3690 to. Whether businesses require a virtual terminal or only need a gateway, Allied Payments can help. Step 4: Sell your nutra. Nutraceutical products are normally classified as high-risk. com. We at EMB know the trials and tribulations that those in the nutraceutical industry can face, and we will not judge or punish your company for it. Easy to find contact information on the Website, receipt, and packing slips. This meteoric growth has propelled the industry into new frontiers, most notably in payment processing. Incorrect data entry is the single most common cause of returned transactions.