Ideas on chargebacks, false declines, cash flow and card-present payments online — and what they mean for merchants.https://paywithcpoi.com/en-gbhttps://paywithcpoi.com/insights/vamp-australia-surcharge-squeeze/https://paywithcpoi.com/insights/vamp-australia-surcharge-squeeze/Visa's VAMP folds fraud and disputes into one penalised ratio — landing just as Australia removes surcharging and resets interchange. The squeeze on merchants, and the structural way out.Mon, 13 Jul 2026 00:00:00 GMTComplianceThe CPoI Teamhttps://paywithcpoi.com/insights/get-paid-the-day-you-sell/https://paywithcpoi.com/insights/get-paid-the-day-you-sell/Card-not-present didn't just add fraud risk — it put your cash in a holding pattern. Card-present settlement lands the money faster, and the checkout that gets you there is one your customers already know.Wed, 08 Jul 2026 00:00:00 GMTCash flowThe CPoI Teamhttps://paywithcpoi.com/insights/your-best-customers-are-the-ones-you-turn-away/https://paywithcpoi.com/insights/your-best-customers-are-the-ones-you-turn-away/Fraud filters are judged on the fraud they stop. Nobody counts the good customers they block — and that silent number is the most expensive line in your funnel.Wed, 01 Jul 2026 00:00:00 GMTConversionThe CPoI Teamhttps://paywithcpoi.com/insights/chargebacks-are-not-a-cost-of-doing-business/https://paywithcpoi.com/insights/chargebacks-are-not-a-cost-of-doing-business/Merchants have been taught to treat chargebacks as unavoidable overhead. They aren't. They're a direct consequence of one missing thing online: proof the cardholder was there.Wed, 24 Jun 2026 00:00:00 GMTChargebacksThe CPoI Team