The Payments Guy

• CBD Merchant Accounts: Why 90% Get It Wrong & How to Avoid Shutdowns in 2025

  Most CBD brands don’t lose sales because of bad marketing, they lose them because their payment processor shuts them down without warning. In this episode, Frank exposes the hidden traps that quietly cripple CBD merchants, and reveals the exact steps that keep your business protected. If you’re selling CBD online, this is the playbook that separates brands that scale from brands that get stopped in their tracks.In this episode, these questions and topics will be covered:01:19 - Why platforms like Stripe, PayPal, and Square seem CBD-friendly at first and the exact moment their risk teams pull the plug, freezing your revenue overnight03:00 - The number one document every CBD product page must have to avoid termination04:34  - Risky phrases that put merchants on the radar for long-term account instability06:19 - What underwriters really look for before they approve you 08:22 - The non-negotiable paperwork stack every CBD merchant needs10:27 - The hidden traps that collapse your ability to process paymentsIf you’re a CBD merchant who wants stable payment processing, backup accounts, or help fixing a shutdown, Frank and the Paydiverse team are ready to support you. Visit paydiverse.com or reach out at [email protected] to protect your business and keep your payments running smoothly.Have a question about something in the episode? Send your questions to [email protected] and check out our FAQ page https://paydiverse.com/faq Connect with PayDiverse: Instagram: https://www.instagram.com/paydiverseWebsite: http://www.paydiverse.comLinkedIn: https://www.linkedin.com/in/franksena

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• The Truth About the MATCH List — How to Recover After Your Merchant Account Gets Terminated In 2025

  In this episode of The Payments Guy, Frank breaks down one of the most intimidating challenges merchants face: being placed on the MATCH list. You might be wondering: is this a business death sentence? If you’ve ever had your merchant account shut down or been told you’re “high-risk,” this conversation is essential. In this episode, these questions and topics will be covered:01:30 - What MATCH stands for and who controls it02:53 - The most common triggers that lead to MATCH list placement08:23 - What it means to be on the MATCH list and the recovery steps to take immediately10:43 - Why the right documentation can dismantle assumptions of fraud, rebuild credibility, and get your ability to process payments back online12:31 - Why being on the list isn’t the end of the worldWith the right strategy, many merchants can rebuild processing stability and secure future payment approvals. Visit paydiverse.com or reach out directly at [email protected] for guidance on protecting and restoring your ability to process payments.Have a question about something in the episode? Send your questions to [email protected] and check out our FAQ page https://paydiverse.com/faq Connect with PayDiverse: Instagram: https://www.instagram.com/paydiverseWebsite: http://www.paydiverse.comLinkedIn: https://www.linkedin.com/in/franksena

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• PayPal Account Terminations: High-Risk Merchant Processing Guide 2025

  PayPal is an easy-to-use payment processor, but that convenience comes with a cost. In this episode, Frank covers PayPal account terminations and real payment alternatives for high-risk merchants. As thousands of online businesses lose access to PayPal every month, Frank explains exactly how PayPal’s approval system works, why so many merchants get flagged, and the concrete steps you can take to protect your business from sudden shutdowns and frozen funds.In this episode, these questions and topics will be covered:Why PayPal terminates accounts and how its payment facilitator model exposes merchants to sudden riskCommon industries labeled as “high risk”and the termination triggers that lead to frozen fundsWhat to do and what not to do immediately after terminationThe account switch that will protect your cash flowThe underwriting process explained: how it protects your business and speeds up approvals when done rightProven strategies to keep your account safe and the one golden rule every merchant must follow If your PayPal account has been shut down or you’re in a high-risk industry, don’t wait until it’s too late. Visit paydiverse.com to get matched with a trusted high-risk merchant provider today.Have a question about something in the episode? Send your questions to [email protected] and check out our FAQ page https://paydiverse.com/faq Connect with PayDiverse: Instagram: https://www.instagram.com/paydiverseWebsite: http://www.paydiverse.comLinkedIn: https://www.linkedin.com/in/franksena

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• VAMP 101: Visa’s New Fraud Rules—Explained in 10 Minutes

  In this episode, Frank covers Visa’s new VAMP fraud rules and what they mean for high-risk merchants. He explains how chargebacks and TC40 fraud reports now combine into a single fraud ratio—and why exceeding 0.9% could get your account shut down. With acquiring banks under stricter pressure, over 250,000 merchants are expected to be terminated by year-end. Frank shares what merchants must do to stay compliant, plus how tools like PayDiverse’s VAMP Monitoring can help.In this episode, these questions and topics will be covered:01:20 – What the VAMP program is and why it replaces two previous Visa monitoring systems.02:17 – The role of TC40 fraud reports and why they now matter just as much as chargebacks.06:33 – How to calculate your fraud ratio and what the new thresholds mean for businesses.07:22 – The types of merchants most at risk. 08:50 - The steps merchants should take to prepare for the new VAMP guidelines and how PayDiverse’s VAMP Monitoring Tool helps merchants stay compliant and avoid penalties.Don’t wait until Visa flags or fines your account. Start monitoring your fraud metrics now. To learn more about VAMP compliance or to get visibility into TC40 reports, visit the PayDiverse website or connect with Frank Cena for personalized support.Have a question about something in the episode? Send your questions to [email protected] and check out our FAQ page https://paydiverse.com/faq Connect with PayDiverse: Instagram: https://www.instagram.com/paydiverseWebsite: http://www.paydiverse.comLinkedIn: https://www.linkedin.com/in/franksena

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• Payment Declines: Fixing Failed Transactions for High-Risk Merchants 2025

  In this episode, Frank covers why high-risk merchants experience unnecessary payment declines—and what you can do to fix it. He breaks down the invisible tech behind transaction approvals, from 3D Secure and BIN reputation to smart routing and network tokens. If you're losing sales to unexplained declines, this episode shows how to recover revenue and improve approval rates fast.In this episode, these questions and topics will be covered:01:43 – The real reasons legitimate payments are getting blocked and what banks view as “suspicious”04:17 – The surprising downside of 3D Secure at checkout05:29 – What’s a BIN, and why does its reputation affect your bottom line?10:41 – How to use smart routing and networks tokens to improve your approval rate overnight and protect recurring revenue14:10 – Why Stripe, Square, and PayPal aren’t built for high-risk businesses, and what you should use instead if your business is considered to be high-riskDon’t let invisible tech hurdles stop your next sale. With the right moves and consultant, you can dodge declines, recover lost revenue, and build better processing flows. Want expert help diagnosing and fixing your transaction issues? Head to paydiverse.com and send the team a message. It’s time to get your payments back on track. Have a question about something in the episode? Send your questions to [email protected] and check out our FAQ page https://paydiverse.com/faq Connect with PayDiverse: Instagram: https://www.instagram.com/paydiverseWebsite: http://www.paydiverse.comLinkedIn: https://www.linkedin.com/in/franksena

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