NRS Pay Blog · Topic

Risk & Disputes

Chargebacks, fraud, and declines — the money that tries to leave after the sale is already done.

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Risk & Disputes

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Risk & Disputes
Chargeback evidence: what to keep from every sale

Chargeback evidence for small stores: which receipts, records, and policies to keep from every sale, how long to keep them, and how to organize them.

Aug 19, 20264 min read
Risk & Disputes
Chargeback reason codes in plain English

Chargeback reason codes in plain English: the main dispute families, what each one usually means at a store counter, and how to respond to each type.

Aug 17, 20264 min read
Risk & Disputes
Refund fraud at the counter: patterns to watch

Refund fraud at the counter: the common patterns, from no-receipt returns to refunds on different cards, and the simple policies that keep refunds honest.

Aug 15, 20264 min read
Risk & Disputes
Phone and in-person scams that target cashiers

Cashier scams by phone and in person: fake boss calls, quick-change tricks, gift card requests, and fake technicians. Learn the patterns and simple rules.

Aug 14, 20264 min read
Risk & Disputes
Card testing fraud: the tiny transactions to watch for

Card testing fraud uses tiny transactions to check stolen card numbers. Learn the warning signs, why it hurts your store, and what to do when you see it.

Aug 10, 20264 min read
Risk & Disputes
What is a merchant reserve, and why do processors hold one?

A merchant reserve is money a processor holds back to cover chargebacks and risk. Learn the common types, why they happen, and what questions to ask.

Jul 8, 20264 min read
Risk & Disputes
Authorization holds: why customers see pending charges

An authorization hold is why customers see pending charges after a card sale. Learn how holds work, how long they last, and what to tell customers.

Jun 12, 20264 min read
Risk & Disputes
Gift card fraud at the register

Gift card scams run through your counter and take your customers' money. The tells, the intervention that works, and what staff should say.

Jun 6, 20265 min read
Risk & Disputes
Refund and return fraud at the counter

Return fraud takes money back out through the front door. The patterns worth knowing, and policies that stop them without punishing customers.

Apr 22, 20265 min read
Risk & Disputes
Card testing attacks against small merchants

Card testing runs stolen numbers through a merchant to find the live ones. How it shows up on a small account, and what stops it.

Apr 20, 20264 min read
Risk & Disputes
Representment: how to fight a chargeback and win

Representment is the merchant's rebuttal to a chargeback. What evidence works, what the deadlines are, and when it is not worth filing.

Apr 18, 20264 min read
Risk & Disputes
Retrieval requests and chargeback fees: reading the notices

Not every dispute notice is a chargeback. What a retrieval request is, what each notice costs, and which ones you can still influence.

Apr 13, 20264 min read
Risk & Disputes
Merchant reserves and deposit holds, explained

A reserve holds back part of your settlements against future chargebacks. Why processors ask for one, and what to negotiate before you agree.

Apr 10, 20264 min read
Risk & Disputes
High-risk merchant accounts: what the label actually means

High risk merchant account meaning, in plain terms: what earns the label, how it changes pricing and reserves, and where corner stores usually land.

Jan 26, 20264 min read
Risk & Disputes
Why credit cards decline at the register, and quick fixes

Why credit cards decline at the register: the common causes, what to say to the customer, and quick fixes that keep your line moving.

Dec 27, 20255 min read
Risk & Disputes
Friendly fraud: what store owners should know

Friendly fraud is when a real purchase gets disputed anyway. What it looks like at a small business, why it happens, and how to push back.

Dec 26, 20255 min read
Risk & Disputes
How to prevent chargebacks at a convenience store

How to prevent chargebacks at a convenience store: counter-level habits that stop disputes before they start, from receipts to reader upkeep.

Dec 24, 20255 min read
Risk & Disputes
What is a chargeback? Why they happen and how to respond

What is a chargeback? A plain guide for store owners: why chargebacks happen, what they cost you, and how to respond when one lands on your account.

Dec 22, 20255 min read

Risk & Disputes

All topics

Risk & Disputes

Chargeback evidence: what to keep from every sale

Chargeback reason codes in plain English

Refund fraud at the counter: patterns to watch

Phone and in-person scams that target cashiers

Card testing fraud: the tiny transactions to watch for

What is a merchant reserve, and why do processors hold one?

Authorization holds: why customers see pending charges

Gift card fraud at the register

Refund and return fraud at the counter

Card testing attacks against small merchants

Representment: how to fight a chargeback and win

Retrieval requests and chargeback fees: reading the notices

Merchant reserves and deposit holds, explained

High-risk merchant accounts: what the label actually means

Why credit cards decline at the register, and quick fixes

Friendly fraud: what store owners should know

How to prevent chargebacks at a convenience store

What is a chargeback? Why they happen and how to respond