Merchant Accounts
CambridgeCommerce places you with the right processor for your specific business type, risk profile, and growth goals; then stays actively involved to protect and optimize the relationship.
- Processor matching and placement
- Standard, high-risk, and high-volume accounts
- Ongoing account monitoring and advocacy
- Reserve structure negotiation
Chargeback Reduction
Dispute strategy, ratio monitoring, Compelling Evidence 3.0 implementation, and prevention at the source. We catch chargeback trends before they reach monitoring program thresholds.
- Ratio monitoring and early alerts
- CE 3.0 implementation for qualifying merchants
- Dispute response strategy by category
- Monitoring program remediation plans
Fraud Prevention
Velocity controls, device fingerprinting, AVS/CVV rules tuning, and third-party fraud tool integration. Fraud prevention calibrated to your volume and transaction patterns.
- Gateway rules configuration and tuning
- Third-party fraud tool selection (Kount, Signifyd, Sift)
- False-positive rate analysis
- Card testing attack response
Payment Optimization
Statement audits, interchange optimization, pricing structure review, and processing cost reduction. We look at what you're actually paying and find what can be improved.
- Processing statement audit
- Interchange-plus vs. flat-rate analysis
- Level 2/3 data optimization
- Authorization rate improvement
Processing Challenges
Fund holds, account terminations, MATCH listings, monitoring program violations, reserve disputes. When your account is at risk, time matters. We know the right escalation paths.
- Fund hold escalation and release
- Termination response and reversal attempts
- MATCH listing review and contestation
- Emergency processor placement
Payment Gateway Consulting
Gateway selection, configuration, and integration guidance. NMI and Authorize.net setup and optimization. Making sure your gateway is configured correctly for your transaction volume and fraud rules.
- Gateway selection and comparison
- NMI and Authorize.net configuration and optimization
- Fraud filter setup and tuning
- Integration support and technical guidance
Recurring Billing
Subscription billing setup, account updater services, retry logic, and dunning management. The billing infrastructure that keeps subscription revenue flowing and reduces involuntary churn.
- Subscription billing account setup
- Account updater service integration
- Failed payment retry sequencing
- Chargeback prevention for subscription billing
eCheck / ACH
ACH processing, check verification, and alternative payment options. For merchants where reducing card processing costs or offering bank payment alternatives serves their customer base.
- ACH merchant account setup
- Check verification and guarantee services
- Card-to-ACH migration strategies
- Blended payment acceptance
Most merchants start with a free strategy conversation.
We'll look at your current processing situation, identify what's working, what isn't, and what the right next step is.
No pitch, no pressure. Just clarity.