Settlement breaks that look like fraud
A missing fee line and a late presentment can mimic chargeback loss. Audit the batch before you escalate risk.
Field notes
Notes from the audit room
Short pieces on settlement integrity, dispute evidence, and acquiring readiness — written for merchant finance and risk leads.
Evidence packs acquirers actually read
Scheme rules are long. Reviewers still decide in minutes. Structure your representment so the decisive page is first.
When gateways and ledgers disagree
Authorisation success in the gateway is not revenue. Audit the handoff where finance and product use different truths.
Preparing for the next acquirer questionnaire
Questionnaires reward organised evidence more than polished prose. Build the binder once and reuse it.