ABOUT THIS PODCAST 🔗

Update frequency:
monthly
Average audio length:
17 minutes
Guest interviews
English
United States
24 episodes
since Nov. 15, 2024
episodic

LATEST EPISODE 🔗

If you run an MLM or direct selling company, payment processors classify you as high-risk before you process a single transaction — and most founders don't find out why until their account is frozen or terminated.In this episode of The Payments Guy, Frank Sena breaks down exactly how payment p…

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Your Stripe, Square, or PayPal account can be terminated with little warning — and when it happens, your funds may be held for 90 to 180 days.In this episode of The Payments Guy, Frank Sena breaks down why payment aggregators terminate merchant accounts, what happens to your money afterward, and wh…
Banks decide whether your business is "high-risk" before a single human being reads your application — and most owners don't find out until their account is terminated. In this episode of The Payments Guy, Frank Sena explains exactly how banks measure risk, what factors land you in t…
Your chargeback ratio is the one number that can permanently shut you out of credit card processing — not just with one bank, but across the entire industry. In this episode of The Payments Guy, Frank Sena breaks down exactly what chargebacks are, the thresholds Visa and Mastercard enforce right no…
Most travel merchants are operating with a financial time bomb they don’t even know is ticking. In this episode of the Payments Guy, Frank breaks down why the travel industry is one of the highest-risk categories in payments, how banks evaluate future-delivery risk, and the practical moves that kee…
Most CBD brands don’t lose sales because of bad marketing, they lose them because their payment processor shuts them down without warning. In this episode, Frank exposes the hidden traps that quietly cripple CBD merchants, and reveals the exact steps that keep your business protected. If you’re sel…
In this episode of The Payments Guy, Frank breaks down one of the most intimidating challenges merchants face: being placed on the MATCH list. You might be wondering: is this a business death sentence? If you’ve ever had your merchant account shut down or been told you’re “high-risk,” this conversa…
PayPal is an easy-to-use payment processor, but that convenience comes with a cost. In this episode, Frank covers PayPal account terminations and real payment alternatives for high-risk merchants. As thousands of online businesses lose access to PayPal every month, Frank explains exactly how PayPal…
In this episode, Frank covers Visa’s new VAMP fraud rules and what they mean for high-risk merchants. He explains how chargebacks and TC40 fraud reports now combine into a single fraud ratio—and why exceeding 0.9% could get your account shut down. With acquiring banks under stricter pressure, over …
In this episode, Frank covers why high-risk merchants experience unnecessary payment declines—and what you can do to fix it. He breaks down the invisible tech behind transaction approvals, from 3D Secure and BIN reputation to smart routing and network tokens. If you're losing sales to unexplai…
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