Stay Updated on Retail Policy News

Get the latest updates on legislation impacting Michigan retailers.
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SCOTUS Extends Relief to Merchants and Consumers, For Now

On July 1, the United States Supreme Court (SCOTUS) properly ruled against the Federal Reserve...
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PCI Compliance Migration

It is our priority to ensure that you are kept up to date with changes that might impact your...
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Alert: Receiving Unsolicited Calls, Emails, or Letters

MRA member shares their personal experience.
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Legally Speaking: Credit Card Theft Impacts Most Vulnerable

I was grateful but dismayed to recently receive an article from former MRA employee, current MRA...
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Register for $5.54 Billion Settlement on Interchange Fees by Aug. 30, 2024

The Visa/Mastercard Class Action Settlement claim filing deadline of May 31, 2024, has been...
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From the CEO: Surcharging

In early 2002, the international shipping company UPS rolled out a new marketing campaign with the...

Visa announces surcharge changes

What is a credit card surcharge?

Best practices to avoid chargebacks and minimize losses

What is a chargeback? A chargeback, also referred to as a payment dispute, occurs when a cardholder...
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Common credit card decline codes

What is a credit card decline?
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Credit Card Processing Tips From Retailers Processing Network

As a small business owner, it’s important to stay on top of payment industry regulations and trends...
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Implementing Practical Return Policies

By: Thomas Clement, Vice President, Operations and General Counsel
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Resolutions For Return Fraud in the New Year

By: John Mayleben
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How to Prevent Phishing and Card Testing

What is a card testing?
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PCI Compliance FAQs

Is your business PCI Compliant? If not, you might be at a higher risk for security breaches and/or...
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Payment Processing: Customer Service Tips

Contact Customer Service at 800.563.5981, option 2, with any questions.
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Legally Speaking: Effective Use of Surcharging

By: Thomas Clement, MRA Vice President, Operations and General Counsel
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Social Engineering: How Hackers Target Your Employees

By: Dave Kelly, CTO SensCy
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Protect yourself from a chargeback

Protect your business and avoid payment disputes. For a step-by-step guide, use the Reason Code...
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What is a number worth?

What is a valid credit card number worth to the bad guys? A lot, it seems.
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Your Employees Can Be Your Best Defense Against a Cyberattack

BY: Dave Kelly, CTO, SensCy
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Ways to Monitor Your Ecommerce Site for Credit Card Fraud

According to Michigan Retailer Association’s study of retail sales presented in its 2021 Buy Nearby...
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Customer Service General Tips

General Tips for Credit Card Processing MRA’s customer service representatives, such as Tamara...
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Is it Time to Revisit the Topic of Surcharging?

BY: JOHN MAYLEBEN
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Looking to reduce shrink in the new year?

The answers may lie in your POS system. Top five ways your POS can eliminate problem areas in your...
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Data security is a journey, not a destination Michigan Retailers Association

National Payment Processing Expert John Mayleben offers tips By SHANDRA MARTINEZ
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Update: Visa/Mastercard's class action lawsuit

By JOHN MAYLEBEN
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Urgent Verifone Terminal Issue

If you don’t process with a Verifone terminal, or if you have already completed this update, please...
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Lendio, MRA partner to offer easy access to business loans

Getting a business loan is made easier, thanks to a new partnership between Michigan Retailers...
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Change your passwords like clockwork

We all went through the semi-annual ritual of changing our clocks recently, “springing forward” one...
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In the blink of an eye, thieves can steal your customers’ data

Recent news reports and the accompanying CCTV video show how quick and easy it is for thieves to...
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Year of BIG change in credit card processing

2015 is the year of big change in the credit card processing world…
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A card ‘by any other name’ would still run as Discover

Apologies to William Shakespeare for that headline. But it makes a dramatic point that can have...
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Don’t be a target in new EMV world

As most of you are aware (perhaps painfully), there has been a big change in the relationship...
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Laws and regulations regarding credit card truncation

First, credit card truncation means that electronically printed credit card receipts will print...
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Using gift cards for more than just gifts

Because they are usually called “gift cards,” it’s easy to think that their main function is to be...
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Setting minimums for credit card purchases

Visa and MasterCard, in their merchant agreements, do not allow merchants to set a minimum amount...
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Preventing credit card chargebacks

Failure to follow Visa and MasterCard regulations exactly can leave retailers out in the cold when...
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Payment card liability shift leads to Three Card Monty

The widespread distribution of EMV/Chip payment cards and the October 1 shift of liability away...
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Small MasterCard change could create big upset

“2015: Year of Change” keeps living up to its billing.
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Apple Pay changing payments landscape

Early signs point to ApplePay indeed becoming the predicted “rising tide” that floats all payment...
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Are you ready for new world of Apple Pay?

Apple’s much-anticipated announcements of the iPhone 6, iPhone 6+ and the Apple Watch rekindled...
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Put your processing data to work for you

Until recently, the fees associated with your merchant processing account were a cost of doing...
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More lessons from latest data breaches

I mentioned in a previous blog that all of us can learn from the massive retail data breaches that...
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How to handle merchandise returns

Our biggest problems with customers involve merchandise returns and refunds. We have a fairly...
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Lessons to learn from latest data breaches

As almost everyone has heard, a number of large retailers suffered massive data breaches over the...

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