Field notes on payment processors, account freezes, and keeping a store processing in high-risk verticals.https://spof.cc/en-ushttps://spof.cc/blog/chargebacks-vs-refunds/https://spof.cc/blog/chargebacks-vs-refunds/A refund costs you a sale. A chargeback costs you a fee, a mark on your record, and sometimes your whole account. Here is the real difference, and why it matters more than you think.Mon, 08 Jun 2026 00:00:00 GMTchargebacksrefundspaymentshigh-riskhttps://spof.cc/blog/high-risk-merchant-meaning/https://spof.cc/blog/high-risk-merchant-meaning/Being labeled a high risk merchant is a liability calculation, not a moral judgment. Here is who really decides it, how MCC codes work, and what it costs you.Mon, 08 Jun 2026 00:00:00 GMThigh-riskpaymentsmccmerchant-accountshttps://spof.cc/blog/single-point-of-failure-payments/https://spof.cc/blog/single-point-of-failure-payments/If one frozen merchant account can take your whole store dark, that's not bad luck, it's a design flaw. Here is what payment redundancy actually means and why high-risk merchants need it.Mon, 08 Jun 2026 00:00:00 GMTpaymentshigh-riskresiliencecontinuityhttps://spof.cc/blog/stripe-account-frozen/https://spof.cc/blog/stripe-account-frozen/Stripe froze your account and the email tells you nothing. Here is what actually triggers a freeze, what a reserve really is, and what you can do about it.Mon, 08 Jun 2026 00:00:00 GMTstripepaymentshigh-riskchargebackshttps://spof.cc/blog/match-list-explained/https://spof.cc/blog/match-list-explained/The MATCH list (formerly the TMF) is the card industry's blacklist for terminated merchants. Here is how you land on it, how to tell if you're on it, and how to get off.Mon, 08 Jun 2026 00:00:00 GMTmatch-listhigh-riskpaymentschargebacks