If a merchant processing bank fee or charge is ever returned for insufficient funds, the processing bank will become concerned. Their reasoning will be that if the merchant doesn’t have coverage for a small fee, how would they be able to recover from a large potential chargeback?

When a customer sees a charge from a merchant they don’t recognize, there is a good chance that they will dispute the card.

For some merchants, the name that appears on customer’s statements is not the name that they operate with (a DBA) or print on receipts. When this occurs, it is important to communicate with customers and let them know which name to expect on their statements.