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Description
ChargeForward is a fresh new FinTech podcast from your friends at Chargebacks911. Come with us as we explore new fraud threats, chargebacks, payments innovation, eCommerce best practices, and much more. We’ll also reveal some great tips and tricks to help merchants prevent loss and recover more revenue. Created by https://chargebacks911.com
140 Episodes
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Video Podcast Replay – Audio from a ChargeForward Conversations video podcast with experts from Chargebacks911 and isolved.
Credit card fraud is just the beginning. ACH fraud, synthetic identity scams, and return abuse are evolving fast—and most merchants aren’t ready. In this episode of ChargeForward Conversations, Steve Lenderman, Head of Fraud Prevention at isolved, walks us through the darker corners of modern financial crime and the blind spots that put your business at risk.
If you thought R10 disputes only protected consumers, or that account takeovers were easy to spot, think again. Steve has trained law enforcement, built fraud teams at PayPal and ADP, and even created synthetic identities for white-hat research. This is one episode you can’t afford to skip.
What you’ll learn:
Why R10 “chargebacks” via ACH are a growing merchant liability
How synthetic identities are created in under 10 minutes with AI
The link between economic pressure and first-party fraud
Why return fraud is harder to define—and detect—than you think
How fraudsters are scaling attacks using LLMs and automation
The need for new fraud fighters in the next generation
Presentations by Jarrod Wright and Steve Lenderman
Webinar Replay – Audio from an earlier webinar with experts from Chargebacks911 and Adaptiv.
Holiday sales surge every year, but so do fraud attempts, refund abuse, and chargeback risk. As traffic spikes and decision windows compress, merchants have less room for error and higher exposure across their entire payments ecosystem.
In this episode we help merchants prepare their payments stack for peak traffic, fine tune fraud controls without overcorrecting, and prevent the post holiday chargeback surge before it hits.
What you’ll learn:
How holiday transaction volume shifts during Cyber Week and how shopper behavior impacts payment performance
How to stress test your payments stack to avoid downtime, latency, and soft decline spikes
How to minimize false declines while strengthening fraud controls
Which fraud tactics will escalate this season and how to prepare ahead of time
How to prevent the January and February chargeback hangover that follows holiday peaks
Presentations by Justin Clements, Steve Marshall and Paul Smith
Video Podcast Replay – Audio from an earlier webinar with experts from Chargebacks911 and Bankful
Visa’s new VAMP program marks a turning point in fraud monitoring. Unlike past iterations, VAMP puts acquirers directly in the driver’s seat as enforcement partners, raising the stakes for merchants. From TC40 visibility to enumeration ratios, the risks are real and the penalties are steep.
We break down what’s changed, what hasn’t, and how merchants can prepare before the new rules come back to bite.
What you’ll learn:
Why VAMP represents a complete overhaul, not a tweak to old fraud programs.
The critical role of acquirers as enforcers and what that means for merchants.
How TC40s now count toward ratios, and why real-time visibility is key.
The power of Compelling Evidence 3.0 to shift liability back to issuers.
Why the enumeration ratio could become your scariest KPI and how to monitor it.
Practical questions merchants should be asking their acquirers right now to avoid trouble later.
Presentations by Zak Matthews and Kellen Rayner
Video Podcast Replay – Audio from a ChargeForward Conversations video podcast with experts from Chargebacks911 and PayBright.
Most merchants don’t realize how much they’re overpaying in processing fees. In this episode of ChargeForward Conversations, Chargebacks911’s Jarrod Wright sits down with Dustin Magaziner, CEO at PayBright, to discuss how B2B merchants can leverage interchange optimization to dramatically lower costs, and how recent Visa changes are reshaping who qualifies for those savings.
What you’ll learn:
Why many B2B merchants are still paying 30–40% more than they should in processing fees
The difference between B2B, B2C, and B2G payment structures—and what it means for your bottom line
How Level 2 and Level 3 data enable deep fee reductions through interchange optimization
What Visa’s CEDP rollout means for merchants and agents—and how to avoid losing your discount rates
Common mistakes processors make that block merchants from qualifying for lower interchange rates
Simple steps to confirm whether your business is set up to receive optimization benefits
Presentations by Jarrod Wright and Dustin Magaziner
Video Podcast Replay – Audio from a ChargeForward Conversations video podcast with experts from Chargebacks911.
Visa is rolled out major changes to its Visa Acquirer Monitoring Program (VAMP) in 2025, and many merchants aren’t ready. These updates will significantly reshape how acquirers and merchants are monitored, how fraud is flagged, and how compliance thresholds are enforced. In this episode of ChargeForward Conversations, we break down exactly what’s changing, why it matters, and what merchants should be doing right now to avoid painful surprises.
What you’ll learn:
What Visa’s new VAMP rules actually mean for merchants
Why compliance thresholds are getting stricter—and how that affects fraud monitoring
The real-world impact of enumeration ratios, chargeback thresholds, and junk data cleanup
Common merchant blind spots that could trigger monitoring or penalties
How acquirers and processors are adapting their systems behind the scenes
Practical steps merchants can take today to stay ahead of the curve
Presentations by Zak Matthews and Jarrod Wright
Video Webinar Replay – Audio from an earlier webinar with experts from Chargebacks911 and Voosh.
Food delivery platforms are essential, but they’re also eating into your margins. From chargebacks and incorrect payouts to lost orders and commission errors, third-party platforms create complexity... but that doesn’t have to cost you revenue.
In this episode we explore ways to maximize the benefits of delivery platforms while safeguarding your revenue. Restaurants, QSRs, and ghost kitchens looking to reduce chargebacks, improve aggregator performance, optimize customer service, and recover more revenue with less efforts should listen to this podcast.
What you’ll learn:
Hidden risks of DoorDash, UberEats & other delivery platforms
Tips for fighting back against “Item Not Received” fraud
Recovering revenue lost to disputes, missed orders, & downtime
How to protect ghost kitchens & virtual brands from chargebacks
Automating reconciliation: POS, accounting, & delivery platforms
Presentations by Justin Clements and Priyam Saraswat
Video Podcast Replay – Audio from a ChargeForward Conversations video podcast with experts from Chargebacks911.
Dispute numbers continue to surge. Who’s to blame? Have consumers changed their thinking over the last few months? Are there new threats we’re seeing? And will they continue to grow? Part of the answer can be found in this webinar.
Chargebacks911 invites you to take a realistic view of the current state of disputes and chargebacks – from the customer’s point of view. Based on the 2025 Cardholder Dispute Index, this live webinar reflects the input of hundreds of consumers – all with recent dispute experiences. You’ll hear real-world responses and gain must-know statistics crucial to protecting your revenue.
What you’ll learn when you listen to this podcast:
How long average dispute values will continue to climb
Which new payment methods you can’t afford to ignore
When to best leverage the customer “convenience gap”
Why over ¾ of consumers prefer disputes to refunds
How banks are creating a “trust/satisfaction paradox”
Presentations by Jarrod Wright and Zak Matthews
Video Webinar Replay – Audio from an earlier webinar with experts from Chargebacks911 and Bounce.
A whopping 10% of deals fail during payment processing, leading to customer churn and needless revenue loss. Tightening fraud detection leads to increased friction at checkout. Widening parameters leave you more vulnerable to fraud. Is there a way to increase conversions without compromising security?
What you’ll learn when you listen to this podcast:
Walking a tightrope: too much friction vs. too little
Understanding how anti-fraud tools impact conversion rates
The role of AI, alerts & fraud scoring in streamlining disputes
Identifying and monitoring key performance metrics
Improving checkout flow & fraud detection simultaneously
Presentations by Justin Clements and Bator Sutton
Video Webinar Replay – Audio from an earlier webinar with experts from Chargebacks911
Technological breakthroughs, alternative payment choices, and increasingly complex regulations continue to change the face of payments. The result is a rise of fraud and chargebacks that have left merchants reeling and card networks new tools for merchant protection.
We take a close look at the basics of Visa’s Acquirer Monitoring Program (VAMP) and the ways it’s been updated.
What you’ll learn when you listen to this podcast:
What VAMP is and why you need it
How RDR & CDRN now impact VAMP ratios
What’s new for 2025 (and what changes in 2026)
How partner tools help manage thresholds
Using VAMP for proactive fraud monitoring
Presentations by Justin Clements and Zak Matthews
Video Podcast Replay – Audio from a ChargeForward Conversations video podcast with experts from Chargebacks911 and Worldpay
As platforms become the new gatekeepers in the payments ecosystem, understanding and leveraging integrated payments is now a competitive necessity. In this episode of ChargeForward Conversations, Jarrod Wright is joined by Grant Evans—VP of Sales and Partnerships at Worldpay for Platforms International and author of The Payments Shed Newsletter—to unpack what embedded payments really mean, why smart platforms are monetizing them, and how to balance ease, cost, and scalability. Whether you’re exploring integrated payments for the first time or refining your existing setup, this episode delivers the insights needed to optimize your payment stack.
What you’ll discover:
What integrated payments actually are (and how they differ from the Frankenstein alternatives)
Why platforms like Shopify have become case studies in embedded payments done right
The pros and cons of going with a closed ecosystem
When paying a premium is actually\the smarter move
The hidden costs of flexibility in a non-integrated setup
Why speed to market can make or break your payments strategy
How Worldpay for Platforms enables scalability, compliance, and better monetization.
Grant Evans shares a deep dive into how integrated payment infrastructures are revolutionizing platforms, reducing friction for merchants, and giving businesses the tools to scale faster and smarter. From real-world Shopify comparisons to technical onboarding considerations, this episode cuts through the noise and helps you understand the real-world implications of building versus embedding your payment stack. Whether you’re a platform provider, a merchant, or a fintech leader, this conversation is your crash course on the embedded payments movement.
Presentations by Jarrod Wright and Grant Evans author of The Payments Shed Newsletter
Video Podcast Replay – Audio from a ChargeForward Conversations video podcast with experts from Chargebacks911 and Merchant-Accounts.ca
Getting approved for a merchant account isn’t always as simple as filling out an application. Processors evaluate risk profiles, business models, and potential liabilities before deciding to approve a merchant—and many business owners don’t realize the factors that can make or break their application. In this episode of ChargeForward Conversations, we sat down with David Goodale, CEO of Merchant-Accounts.ca, to demystify payment processing and help merchants make smarter decisions.
What you’ll discover:
Understanding Risk Profiles - What payment processors look for and how risk assessment impacts your rates.
Common Merchant Mistakes - Errors that could delay or prevent approval (and how to fix them).
Interchange Plus vs. Flat Pricing - Why transparency matters and how to negotiate better rates.
Future Delivery Risk - The hidden factor that could drive up costs or get your application declined.
The Role of Relationships - Why working with a processor who understands your business is crucial.
Whether you’re a startup looking for your first payment processor or an established merchant considering a rate review, this conversation will give you the knowledge you need to make informed decisions. Tune in to gain expert guidance on optimizing your payment strategy and protecting your bottom line.
Presentations by Jarrod Wright and David Goodale host of E-commerce Vlogcast
Video Webinar Replay – Audio from an earlier webinar with experts from Chargebacks911
From the rise of biometrics to alternative payment options and AI-powered transactions, new developments in technology will have a major impact on the payments industry in 2025. What should merchants embrace? What should they look out for? And most importantly, how can they leverage new trends and technology into 12 months of profits?
In this episode we take a look at some of the payments trends industry professionals are seeing for the next year. We’ll also offer some expert tips for how to implement new technologies to optimize revenue and protect your business from fraud and chargebacks.
What you’ll learn when you listen to this podcast:
How “Click to Cancel” may disrupt subscription billing
The pros and cons of AI in fraud prevention & detection
Palm-based payments and other advances in biometrics
How banks plan to compete with Apple Pay & Google Wallet
Potential impacts of generative AI on fraud
Presentations by Justin Clements, Tennie Thurman and Zak Matthews
Video Podcast Replay – Audio from a ChargeForward Conversations video podcast with experts from Chargebacks911 and Voalyre
Dive into The Future of Payments & Using Media to Build a Brand in this exciting debut of The ChargeForward Conversations Podcast. Jarrod Wright, Head of Marketing at Chargebacks911, chats with Tedd Huff, a FinTech veteran, founder of Voalyre, and host of FinTech Confidential. They discuss how businesses can harness the power of payments innovation and media to stand out in today’s competitive market.
In this episode you’ll discover:
Key trends in payments: ACH, FedNow, RTP, cryptocurrency, and blockchain.
How stablecoins are changing the landscape of financial transactions.
Why video-first content strategies and podcasting are essential tools for brand growth.
The importance of quality production and storytelling in connecting with audiences.
Whether you’re a FinTech professional, content marketer, or entrepreneur, this episode is your guide to leveraging payments innovation and media strategies for success. Stay tuned for insights, practical tips, and predictions for the future of finance and digital content creation.
Presentations by Jarrod Wright and Tedd Huff host of FinTech Confidential
Webinar Replay – Audio from an earlier webinar with experts from Chargebacks911 and FlexPay
Failed payment recovery is crucial, but the amount of retries are limited: most card networks allow only 15 attempts over 30 days. For high-risk merchants with lower thresholds, multiple retries can lower risk scores and make recovery even harder. Is there a way to evaluate failed payments to know which ones can be recovered?
In this webinar we look at strategies for handling chargebacks and failed payments while maintaining the health of your MIDs.
What you’ll learn when you listen to this Podcast:
Understanding ambiguous decline codes across issuers
Identifying which payments warrant a retry
Why recovery is important to the user experience
Hard declines vs. soft declines: how does recovery differ?
How chargeback prevention impacts recovery
When — and when not — to involve customers in recovery
Webinar presentations by Justin Clements and Ray Watson
Webinar Replay - Audio from an earlier webinar with experts from Chargebacks911 and Edgar, Dunn & Company
As payments technology evolves, so do disputes and chargebacks. How does the “big picture” look in 2024? Chargebacks911 and Edgar, Dunn & Company invite you to take a realistic “frontline” view of the current state of disputes and fraud. Based on the 2024 Chargeback Field Report, this webinar reflects the input of hundreds of real merchants in a wide range of verticals.
We discuss what merchants of all sizes are saying about the transaction issues they’re dealing with now, and what new threats are emerging within payments.
What you’ll learn when you listen to this Podcast:
The rising costs of fraud and fraud fighting
Ongoing shifts in consumer shopping behaviors
Are new alternative payment methods impacting fraud?
How AI is changing prevention strategies
Proactively dealing with the surging threat of friendly fraud
Webinar presentations by Jarrod Wright, Zachary Matthews and Mark Beresford
Webinar Replay – Audio from an earlier webinar with experts from Chargebacks911 and bankful
From major retailers all the way down to small online stores, merchants are gearing up for holiday season sales. What’s different this year for online retailers? What should they embrace, what should they look out for, and how can they leverage holiday sales into 12 months of profits?
In this podcast we explore how the right holiday preparations can help even high-risk merchants increase sales, optimize revenue, and protect themselves from fraud and chargebacks.
What you’ll learn when you listen to this podcast:
How digital wallets are increasing conversions
Driving holiday sales from your site
The role of the processor in fraud prevention
Detecting and preventing friendly fraud
Using subscriptions to optimize holiday sales revenue
Webinar presentations by Justin Clements and Kellen Rayner
Webinar Replay – Audio from an earlier webinar with experts from Chargebacks911
Chargebacks can be one of the most frustrating – and costly – aspects of running a retail business. What started as a consumer protection has become a weapon too often used against merchants. Is there anything merchants can do to protect themselves?
Listen as we look at how chargeback abuse became such a threat, ways it can be countered, and why merchants should never view it as “just a cost of doing business.”
What you’ll learn when you listen to this Podcast:
Myths and misunderstandings of how chargebacks occur
Why fraud filters should not be your only prevention tool
Why reason codes seldom tell the whole story behind a claim
How chargeback data impacts false declines & conversions
Options for post-transaction customer dispute resolution
Webinar presentations by Justin Clements and David Pirtle
Webinar Replay – Audio from an earlier webinar with experts from Chargebacks911 and Basis Theory
Many emerging payment methods are built around tokenization. Replacing sensitive card data with temporary identifiers makes tokenization a powerful, cost-effective way to offer transaction security. Is it powerful enough to finally KO chargebacks stemming from fraudulent transactions?
We look at how tokenization can help merchants offer more alternative payment methods while maintaining data security and increasing revenue.
What you’ll learn when you listen to this Podcast:
How tokenization works, and why it matters for payments
Why tokenized payments are safer… but not dispute-proof
Network tokens vs. universal tokens: how do they differ?
Webinar presentations by Justin Clements and Colin Luce
Webinar Replay – Audio from an earlier webinar with experts from Chargebacks911 and Merchant-Accounts.ca
Merchants have cause to worry about customer disputes. But did you know your payment processor is concerned about your chargebacks, as well? If you get too many claims, they could get fined. To avoid that risk, some processors may simply close your merchant account.
We look at why chargebacks matter to processors… and how merchants and PSPs can work together to maintain a healthy partnership.
Why your processor worries about chargebacks
When chargebacks pose the greatest threat
Calculating chargeback ratios and understanding thresholds
What to say to your processor (and how to say it)
How proactive prevention can remedy the issue
Webinar presentations by Justin Clements and David Goodale
Webinar Replay – Audio from an earlier webinar with experts from Chargebacks911 and Payway
Card-not-present transactions are a huge opportunity for fraudsters. When customers are victims of fraud, they lose trust in you. Luckily, there are ways to leverage payment data to prevent fraudulent transactions and retain the confidence of your customers. Join us on Thursday, March 14, 2024 as we look at how data security can be part of an overall strategy to lower costs and mitigate risk.
How tokens safeguard you and your customers
Ensuring that the customer is actually the cardholder
Delivering fraud prevention and a frictionless checkout
Preparing for the new PCI-DSS 4.0 security standard
How authentication can lead to reduced chargebacks
Webinar presentations by Justin Clements and Kimberly Miller
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