An agent bought 40,000 pairs of the wrong shoe.
You stopped selling storefronts and sold what no agent can fake: the payment, the tax and the liability behind every order.
2 a.m. A lab's agent misreads a size chart and buys 40,000 pairs of sneakers through your checkout. Every shopper disputes the charge.
Your biggest merchant: 40,000 returns, darling! My chargeback rate is 3%! One more month and Visa cuts me off!
The CFO: Do we refund? Does the lab refund? The lab will refund. Won't it?
Head of Payments: You can't sue an agent, and the card networks won't wait. Someone owns this order. Us, or nobody.
- A. We guarantee every agent order. Every lab. We eat the losses. We set the rules.
- B. Checkouts are for humans. Make them tap. A person approves every order.