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DigiWorld Partners had the opportunity recently to sit down with Conal Cunningham of InovioPay to discuss some of his insights regarding credit card processing. According to Pew Research, online dating among to year olds has nearly tripled in the past three years and doubled among to year olds. This trend shows no signs of slowing anytime soon. Credit card payments for dating sites, however, is considered risky business for many card issuers, which was a main topic during this interview.

Why Dating Sites Are Different The reason dating sites are considered to be one of the most dangerous environments for credit card processing is because of the unusually high probability of chargebacks.

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Charges Versus Fees While the percentages that banks charge dating sites per transaction are typically in line with those for other online retailers.

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We live in an age with an abundance of personal information exposed in the ether of the internet. Most of this information is disclosed voluntarily by the user, often without direct monetary cost. Social media is more prominent than ever—from old mainstays like Facebook and Twitter to newer apps like Instagram and Snapchat. There are even plenty of platforms for anybody to go and engage with niche interests, such as Pinterest and Reddit.

This profile may be relatively anonymous or tied to one specific interest, or it could be a place where you simply look to express yourself in a directed fashion. For example, you can have food and alcohol delivered to your door, catch a ride, look up reviews, or go shopping from your phone or tablet.

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They identify the issuing institution for each cardholder account and enable transactions to be properly routed. BINs are currently the first six digits of the account number. The International Organization for Standardization ISO , an independent, non-governmental international organization that develops voluntary global standards. The payments industry is more complex than ever. With new devices and technologies emerging in a connected world, the industry’s finite supply of BINs is reaching current capacities.

Some prepaid cards charge a fee for loading funds. Loading the card with a large amount will help minimize fees while also reducing the number of times you must​.

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