Roger Padron

April 1, 2026 13 min read

How to Audit a Merchant Statement for Hidden Downgrade Fees, Nonqualified Surcharges, and PCI Charges

Your confusion regarding your payment processor statement is justified. Most statements are constructed to confuse users and hide the flow of money out of businesses. Your merchant statement contains many fees that...

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eCommerce Platforms October 1, 2025 10 min read

Using Payment Analytics to Predict Demand and Optimize Inventory

In the increasingly competitive retail landscape, instinct-driven management of demand and inventory is a thing of the past. Companies are moving closer to data-driven decision making, where every customer touchpoint becomes a...

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July 20, 2025 11 min read

Chargebacks 101: What They Are and How Merchants Can Prevent Them

A chargeback occurs when a customer contests a card payment, and their bank reverses the purchase and refunds the money. Although it is intended to shield consumers from fraud or errors in...

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