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10 Signs Your Business Needs a Better Payment Gateway

In a digital marketplace where everything happens in seconds, the payment experience has become a make-or-break moment for any business. Customers today don’t have patience for delays, errors, or complicated checkout steps; they expect a fast, seamless, and secure way to complete their payments.

Your Guide to Digital Payments & Fintech in UAE

The Hidden Effects of Chargebacks on Merchants

For many merchants, a chargeback may seem like a routine part of digital payments, a disputed transaction that is reversed and reviewed. However, the reality is often more serious. In today’s fast-growing digital economy, especially across the UAE, businesses in e-commerce, retail, restaurants, and services rely heavily on online payments, which also increases exposure to chargebacks.

Foloosi Store Troubleshooting Guide: Common Issues and Solutions

Foloosi Store is designed to make online business management simple, but sometimes merchants may face common technical or configuration issues while handling orders, payments, products, and store settings. These issues can affect daily operations such as checkout, invoice generation, tax display, and product visibility if not configured correctly.

A Complete Guide to Foloosi Tap App Features

The Foloosi Tap App is a smart and convenient Tap on Phone solution designed to help merchants accept payments directly from their mobile devices without the need for a traditional POS machine. It brings everything a business needs into one simple application, making daily operations faster, easier, and more efficient.

How to Use Foloosi Tap on Phone for Merchants

Foloosi Tap on Phone is a modern contactless payment solution that allows merchants to accept card payments directly on their smartphone without any traditional POS machine. It transforms a simple NFC-enabled Android device into a secure digital payment terminal, making transactions faster, simpler, and more cost-effective for businesses of all sizes.

Fuel Your Eid al-Adha Business Growth with Foloosi

Eid al-Adha is more than a festive season for businesses across the UAE. It is one of the busiest shopping periods of the year, with customers actively spending on celebrations, family needs, dining, travel, and everyday purchases. During this high-demand period, customers expect everything to be fast, smooth, and convenient.

All You Need to Know About Subscription Payments

Subscription payments are changing the way businesses connect with customers in today’s digital world. Instead of making repeated manual payments, customers now prefer simple and automatic payment methods that provide uninterrupted access to products and services

8 Myths and Facts About Business Finance

Business finance is often surrounded by confusion, assumptions, and outdated thinking. Many business owners believe certain financial ideas simply because they have heard them repeatedly from others. In reality, finance works very differently when businesses start growing, handling customer payments, managing expenses, and planning for long-term stability.

Steps to Create a Support Ticket in Foloosi

The Foloosi Merchant Platform offers a simple and structured support ticket system designed to help merchants resolve their issues quickly and efficiently. Whether it is a technical error, payment concern, or account-related query, merchants can easily raise a ticket and get assistance from the support team in an organized way.

Steps to Check Bank Details in the Foloosi Merchant Panel

Accurate bank details play a key role in keeping your business payments organized and reliable. In the Foloosi Merchant Panel, merchants are given a simple and secure way to view their registered bank account information whenever needed. This ensures that every payout is processed correctly and reaches the intended account without delays or errors.

How to Create a QR Code in the Foloosi Merchant Panel & Merchant App

QR code payments have become one of the fastest and easiest ways for businesses to collect payments. With the Foloosi Merchant Panel and Merchant App, merchants can quickly generate custom or default QR codes for receiving payments, sharing with customers, printing for stores, or using across digital platforms.

How to create subuser and how to make use of it

As businesses scale, managing operations through a single merchant login can quickly become inefficient and risky. Teams often work across multiple functions such as sales, finance, customer service, and technical support, each requiring different levels of access and responsibility. To address this, Foloosi provides a Sub User feature within the Merchant Panel.

How to Fix a Failed Contactless Payment

A failed contactless payment at the checkout can be inconvenient for both customers and merchants, especially during busy hours when speed matters most. In most cases, these interruptions are not caused by major technical faults. Instead, they are usually linked to minor issues such as positioning, device interference, or temporary banking restrictions.

How to Create a Subscription in Foloosi Merchant Panel

Subscriptions have become one of the most reliable ways for businesses to maintain steady income and build long-term customer relationships. Instead of processing one-time payments repeatedly, merchants can set up automated billing cycles that ensure payments are collected on time while offering customers a seamless and uninterrupted experience

How to build and share a product link via merchant panel and merchant app

Foloosi makes it easy for merchants to turn everyday products into shareable payment links within minutes. Through the merchant panel or app, you can create a product link and send it directly to your customers without any technical steps.

How to Generate a Payment Link on Merchant Panel and Business App

The payment process should be quick, simple, and easy to manage specially when customers are not physically present. A payment link helps merchants request and receive payments instantly by sharing a secure link through SMS, email, or messaging apps.

How to Download Settlement Reports from Foloosi Merchant Panel and Merchant App

Settlement reports play an important role in managing business finances effectively. They help merchants keep track of payouts, verify settlement amounts, review transaction activities, and maintain clear financial records. Having easy access to these reports is helpful for daily monitoring, accounting tasks, and business documentation.

How to View Transactions in the Merchant Panel and Foloosi Business App

Keeping track of transactions is one of the most important parts of managing any business. Whether you want to verify successful payments, review customer purchases, or monitor daily sales activity, having quick access to transaction history helps merchants stay organized and informed.

Fintech Trends to Watch in the UAE ( 2026 )

Fintech in 2026 is changing the way people and businesses handle money every day. Payments are becoming faster, safer, and more simple to use across different platforms. More people now expect smooth digital experiences when they pay, transfer money, or manage their finances

How to Manage Refund Process for Merchants: Step by Step Guide

Managing refunds is an important part of any business, and having a clear, structured process helps merchants handle customer requests smoothly and efficiently. At Foloosi, the refund workflow is designed to be transparent, secure, and easy to follow through the Merchant Panel and Admin Panel.

The Future of Digital Payments: How Merchants Will Evolve in 2025

The future of payments is evolving at lightning speed, and by 2025, it will look nothing like today. For merchants in the UAE, this is an exciting opportunity to offer customers an experience that’s faster, more seamless, and incredibly secure. As technology continues to reshape the way we handle transactions, businesses will be able to offer more personalized and efficient payment solutions that meet the growing expectations of today’s consumers.

The Future of Mobile Payment Apps: What to Expect Next?

The evolution of Mobile payment apps in dubai have completely changed how we handle money, making everyday transactions faster, easier, and safer. Imagine paying for your groceries, sending money to a friend, or splitting a dinner bill—all with just a few taps on your phone. Sounds convenient, right? But what’s next for these smart tools?

Voice Based Payments:The Future of Money in the UAE

The world is changing fast, and one of the biggest shifts is how we pay for things. Cash is slowly fading away, and credit cards are becoming more convenient with digital wallets and online payments. But there’s a new player in town that could change the way we pay forever: voice-based payments. Imagine buying something or paying a bill just by talking to your phone or smart speaker.

Learn How NFC Payments Transform Your Business

A world where payments happen with just a tap—no delays, no fumbling for cash, and no hassle. That’s the promise of Near Field Communication (NFC) payments, a technology that’s reshaping how businesses handle transactions. With speed, security, and convenience, NFC payments offer a modern, contactless way for customers to pay.

Fraud Detection for Subscription Services: Proven Strategies to Secure Recurring Payment

Subscription services have become a go-to choice for businesses looking to create steady revenue, whether it’s for streaming services, software, or e-commerce platforms. With the subscription model, customers enjoy the convenience of automatic renewals, while businesses benefit from predictable income streams. However, this recurring payment model also brings significant challenges, particularly when it comes to fraud detection and prevention.

The Rise of Digital and Contactless Payments in the UAE

In today's fast-paced world, the way we pay for things is changing rapidly. In the UAE, digital and contactless payments are becoming the norm, making shopping and transactions easier than ever. Imagine walking into a store and completing your purchase with a quick tap or smartphone, no cash, no PIN, and no delay.

5 Effective Tips to manage billing for multiple customer with foloosi

Managing billing for multiple customers can quickly become challenging. From sending invoices to tracking payments, it’s easy to lose track of everything. Thankfully, Foloosi offers a simple solution that can make this task much easier. Start by using Foloosi’s easy-to-navigate dashboard, where you can view all your invoices and customer details in one spot. This makes tracking everything much simpler!

Top 8 Primary Factors that Increasing Online Payments in the UAE

The rise of online payments is transforming how we shop and manage our money, making life much simpler for everyone. With just a few taps on your smartphone, you can easily purchase anything you need, from groceries to clothes, all without the hassle of cash. This shift not only makes shopping convenient but also offers greater security, as many digital payment options come with advanced safety features.

How To Reduce Cart Abandonment and Close Sales with right payment gateway - 2024

Online shopping has become a part of our daily lives, but many customers abandon their carts before completing their purchases. In fact, studies show that about 70% of online shoppers leave their carts without buying anything. This is a huge missed opportunity for businesses! One of the key reasons for cart abandonment is a complicated or frustrating payment process.

Top 5 Benefits of Offering Flexible Payment Options for Merchants

In today’s fast-paced world, customers have more choices than ever before. One thing they truly value is flexibility—especially when it comes to payments. By offering flexible payment options, merchants can attract more customers, boost sales, and even build loyalty. Let's start from scratch

A Complete Guide to Payment Rails in the UAE

The United Arab Emirates (UAE) has built a highly advanced financial ecosystem, where digital payments contribute to more than 70% of total transactions. From retail stores to e-commerce platforms, the way money moves has evolved rapidly over the years. At the core of this system are payment rails, which serve as the backbone for all payment activities.

The benefits of Payment link for merchants and their customers:

Ever wished payments could be as simple as sharing a link? Well, guess what? They practically are! Enter Pay by Link, a game-changer in the world of online transactions, making life easier for both merchants and their customers. Forget complicated payment gateways and clunky interfaces. Payment link offers a streamlined, secure, and surprisingly simple way to send and receive money. Let's dive into why this innovative payment method is making waves and how it can benefit you.

Why merchants must accept tap to pay payments by 2026

The way people pay is changing fast. Contactless payment methods like Tap to Pay are becoming the new standard worldwide — and the UAE is no exception. Customers expect quick, secure, and convenient payment options wherever they shop or dine.

Best E-commerce Marketplaces for Businesses in the UAE [2025 Updated]

The United Arab Emirates (UAE) continues to lead the Middle East in digital innovation — and one of the most exciting developments is the rapid growth of e-commerce marketplaces. In 2025, as more consumers embrace the ease of online shopping, these platforms have become an essential tool for businesses to thrive, scale, and compete in the digital economy.

Global Islamic Finance Expands 14.9%, Total Assets Hit US$3.9 Trillion in Total Assets

The world of finance is always changing, and some of the most exciting growth is happening in a space many people haven’t fully explored yet—Islamic Finance. This system, rooted in ethical principles from Islamic law (Shariah), just crossed a major milestone: US$3.9 trillion in total assets by the end of 2023. That’s a 14.9% increase compared to the year before.

The Future of Anti Money Laundering in the UAE

The United Arab Emirates (UAE) was once known as a place where money could flow without much control. In March 2022, the Financial Action Task Force (FATF) placed the UAE on its “grey list,” meaning the country had serious gaps in stopping money laundering and terrorism financing.

10 Must-Have Payment Gateway Features to Increase sales

The best payment gateway is often the final and most critical touchpoint between your customer and your revenue. A seamless, secure checkout experience doesn’t just complete an online payment—it builds trust, enhances your brand reputation, and increases the chance of repeat business.

7 Things You Should Know About Corporate Prepaid Cards

When you hear “corporate prepaid card,” what pops into your mind? For many business owners, it still sounds like something only big corporations or modern people might play with — not a practical tool for small businesses or everyday teams. But take a closer look and you’ll see why more and more companies, big and small, are choosing them.

Why QR Codes Are the Future of Digital Payments in the UAE ?

In recent years, the UAE has become a hub for digital innovation and cashless payment experiences. With the country pushing forward its smart city goals and encouraging cashless transactions, one technology has been quietly yet powerfully reshaping how people pay: QR codes.

Boost Conversions with Smart Payment Routing in Your Payment Gateway

In the fast-paced world of digital payments, every second and every transaction counts. Customers expect payments to go through without delays or failures. As a business owner or merchant, if you're losing out on sales due to failed transactions or high processing fees, it might be time to consider a powerful tool: Smart Payment Routing.

Level Up Your Business Finance with Foloosi

Running a business is rewarding — but let’s be honest, it’s rarely easy. Between daily expenses, paying staff, stocking up, maintaining equipment, and keeping customers happy, the demands on your cash flow never stop. If you own a small or medium business in the UAE, you know this hustle better than anyone.

Why Every Merchant Needs Payment Links to Boost Business

In today’s fast-moving digital market, staying ahead means making it easier for your customers to pay you. One powerful way to do this is by using payment links. They might look simple, but they can bring big results for every business — whether you’re a small café owner, a service provider, or an online seller.

Top 10 Reasons Why You Need a POS for Your business in the UAE

Running a business in the UAE means keeping up with high customer expectations and a fast-paced environment. Whether you own a restaurant in Dubai or a cafe in Sharjah, managing daily operations smoothly is key to growth. That’s where a smart POS (Point-of-Sale) software can make a big difference.

10 Best Payment Methods Every Business Must Adopt in 2025

In 2025, payment methods are no longer viewed as a mere step to complete a purchase — they have become an essential part of the overall customer experience. Today’s consumers expect transactions to be fast, secure, and convenient, whether they are paying in person, online, or through a mobile device. Businesses that fail to meet these expectations risk losing customers to competitors who offer more seamless payment solutions.

Learn How to Grow Your Foloosi Online Store Effectively

Every big brand you see today started small—just like you. The difference? They learned how to grow smartly, adapt to customer needs, and use the right tools. That’s exactly what Foloosi Online Store is built for. It’s more than a selling platform; it’s your growth partner, helping you showcase products, accept payments instantly, track orders, and engage customers—all from one place.

Top 10 Payment Trends Every Successful Business Should Know in 2025

When you look around the UAE today, one thing is very clear: how we pay and get paid is changing fast. From the streets of Dubai to the cafes of Sharjah and the shops in Abu Dhabi, businesses are embracing new payment solutions that make transactions faster, safer, and more convenient for both customers and merchants.

Top 8 Advantages of Using Payment Links for Your Business in the UAE

The way we pay and get paid is changing rapidly in the UAE. From busy markets in Dubai to cafés in Abu Dhabi and growing online stores in Sharjah, businesses everywhere are shifting towards digital payments. Customers today expect speed, security, and convenience—they don’t want the old hassle of handling cash or waiting for manual transfers.

Everything You Need to Know About Payment Gateway API Integration

The way businesses accept payments has transformed dramatically in recent years, and at the heart of this change lies the best Payment Gateway API. It is the unseen framework that enables secure, reliable, and seamless digital payment between customers and businesses.

Power up your E-commerce plugin with Foloosi

Running an online store is more than just listing products—it’s about creating a seamless shopping journey. With Foloosi, your E-commerce plugin gets the power it needs to deliver smooth, secure, and lightning-fast payments that keep your customers coming back.

8 Common Mistakes to avoid while using QR Codes

QR codes have become a powerful tool for businesses to connect with customers instantly. They make sharing links and information quick and convenient, bridging the gap between the physical and digital world. From restaurants to retail stores, QR codes are everywhere, helping users access content with just a scan.

UAE Moves Toward a 90% Cashless Economy by 2026

The UAE is embarking on one of the boldest financial transformations in recent times: targeting 90% of all transactions—both public and private—to be cashless by 2026. This isn’t just about moving away from cash. It’s a fundamental shift in economic infrastructure, financial inclusion, convenience, and competitiveness. What follows is a deep dive into why this matters, how the UAE is working toward it, what this means for everyday people and businesses, what challenges lie ahead, and what the future might look like.

Top 7 Challenges of International Mobile Recharge in UAE and How to Overcome Them

In today’s connected world, international mobile recharge has become a vital service for many people living and working in the UAE. With millions of expatriates across Dubai, Abu Dhabi, Sharjah, and other emirates, staying connected across borders is essential — whether it’s for business purposes, maintaining communication, or managing operations abroad.

The Rise of Digital Menus in the UAE

Dining out is an experience that brings people together. In the UAE, where cultures mix and restaurants are everywhere, dining is not just about food but also about technology and ease. One major change shaping UAE restaurants today is the rise of digital menus. Gone are the days when you were handed a heavy paper menu—it’s now all digital, easy to use, and much more exciting!

Generate Your Business QR Code in Seconds with Foloosi Merchant App

Every successful business starts with the right tools — and the Foloosi Merchant App is one that truly makes a difference. It’s designed to help merchants in the UAE take full control of their operations without the usual stress or complexity. Whether you’re accepting payments, tracking performance, or managing multiple sub-users, everything happens seamlessly through one powerful app.

How to Generate QR Codes Easily with the Foloosi Merchant Panel

Managing a business doesn’t have to be complicated. With the Foloosi Merchant Panel, everything becomes simpler, smarter, and more organized. This powerful dashboard is designed to help you handle payments, track transactions, and manage your business with complete ease — all from one place.

The Next Era of Autonomous Payments in the UAE

The future of payments in the UAE is moving beyond taps, swipes, and scans — it’s becoming autonomous. Imagine a world where your car pays for parking, your fridge orders groceries, and your bills settle themselves without you lifting a finger. It’s the next big step in the UAE’s digital transformation.

UAE Moves Toward a Smarter Payment Era with Digital Dirham

In recent years, the UAE has been at the forefront of adopting advanced technologies across various sectors. One of the most exciting developments is the introduction of the Digital Dirham, a digital currency launched to transform the country’s payment ecosystem.

Your Ultimate Guide to Mobile POS (mPOS) Solutions

Mobile Point of Sale (mPOS) are changing the way businesses operate in the UAE, making transactions easier, faster, and more convenient. Whether you run a small café, a boutique, or a service business, mPOS can help you accept payments on the go, manage sales, and serve your customers better.

The Importance of Comparing Payment Solutions for UAE Merchants

Running a business today is not just about selling—it’s about selling smart. In the UAE’s fast-moving market, where cashless payments are becoming the new normal, choosing the right payment solution can make or break your customer experience. Whether you run a café in Dubai, an online boutique in Abu Dhabi, or a service business in Sharjah, how you accept payments matters just as much as what you sell.

8 Ways Foloosi Is Powering Smarter Payments in the UAE

Foloosi is transforming how payments are made in the UAE by embracing the country’s fast-paced digital evolution. In a region marked by rapid fintech innovation, growing mobile wallet use, and diverse consumer preferences, the demand for payment solutions that are simple, secure, and adaptable has never been greater.

Best 8 Key Trends in QR Scan Payments

QR scan payments have transformed the way businesses and consumers interact in the digital economy. As mobile wallets and contactless payments became mainstream, QR codes have surged in popularity due to their ease of use, cost efficiency, and security. But the QR payment space is far from static – new trends continue to shape how QR codes influence commerce globally.

The New Era of In-Store Payments Starts with Payment Links

In-store payments are changing fast as customers expect quick and easy ways to pay, whether they shop online or walk into a store. Payment links bring these worlds together, making transactions smoother and more reliable across both channels. This shift helps businesses meet growing demands while keeping customers happy.

Why UAE Businesses Can’t Ignore POS Software in 2026

In today’s fast-paced UAE market, businesses are no longer just competing on products or location—they are competing on efficiency, customer experience, and operational intelligence. For restaurants and cafés, adopting a modern Point of Sale (POS) software is no longer just about processing payments. A POS is a powerful business tool that streamlines orders, manages inventory, tracks sales, and provides real-time insights that help owners make smarter decisions.

QR Digital Menu are Transforming Dining in the UAE

The dining experience in the UAE has undergone a significant transformation in recent years, with technology playing a central role in shaping how restaurants operate and serve their customers. One innovation that has quickly become a standard across the industry is the QR digital menu.

Social Commerce Is Supercharging E-Commerce Success in the UAE

Social commerce has emerged as a dynamic extension of e-commerce, empowering merchants to sell products and services seamlessly within popular social media platforms like Facebook, Instagram, X (formerly Twitter), and TikTok. This approach transforms social feeds into interactive storefronts, enabling businesses to capture revenue directly where consumers already spend their time.

7 Best Payment Gateways in UAE In 2026 [Latest Updated]

Choosing the right payment gateway in the UAE can make a big difference to your business growth. Whether you run an online store, restaurant, or service business, a good payment gateway helps you collect payments smoothly, securely, and without delays.

How Fintech is Transforming Business Finance in the UAE

The United Arab Emirates (UAE) is rapidly becoming a global leader in fintech UAE. Traditional banking is no longer the only choice for businesses. Today, fintech solutions UAE are transforming how companies manage money, accept payments, get funding, and grow. Whether you are a business owner,SME, or large enterprise, digital financial tools are reshaping your financial world.

Why Is AML Important for Businesses in the UAE

In today’s fast-moving digital economy, money moves faster than ever. Online payments, instant transfers, International commerce, and digital wallets have made doing business easier but they have also created opportunities for misuse. This is where Anti-Money Laundering (AML) becomes extremely important, especially for businesses operating in the UAE.

Top 10 Ways to Secure Contactless Payment in the UAE

Contactless payments are now a preferred way to pay for millions of customers, driven by the rapid growth of digital payments, NFC payments, mobile wallets, QR code payments and Tap to Pay solution in the UAE. Businesses across industries are adopting contactless technology to offer faster checkouts and a more convenient payment experience for their customers.

The Ultimate Guide to Building an online store in the UAE

An online store is a digital platform where customers can browse products, add items to a cart, and complete purchases directly from their phones or computers without the need for a physical shop. It acts as your business’s 24/7 online presence, allowing you to showcase products, manage orders, and accept secure payments through one integrated system.

8 Powerful Payment Trends Reshaping the UAE in 2026

The UAE has long been at the forefront of embracing innovation, setting a benchmark for the Middle East in technology and digital services. From seamless government platforms to modern cashless shopping experiences, the nation has transformed the way people live, work, and pay.

The hidden Advantages of POS Software in Restaurants

Running a restaurant is more than just good food. it’s about managing orders, keeping customers happy, and ensuring operations run smoothly. While many restaurants use Digital POS (Point of Sale) software for basic billing and payment processing, there are hidden advantages that often go unnoticed. These benefits go beyond simple transactions—they can improve efficiency, reduce errors, enhance customer experience, and even boost profits.

How Businesses Can Prevent Payment Failures During Ramadan

Ramadan isn’t just a sacred month. It's a peak business season across the UAE and the Middle East. Online orders, doorstep deliveries, and late-night online shopping becomes the new normal. For many businesses, transaction volumes can double or even triple.

Facts vs Myths About Offline Payments

In a world where we’re always "plugged in," it’s easy to think everything happens online. But for all business types. offline payment processing is the Secret weapon that keeps business moving when the internet fails. Let’s break down what it is, why it matters in 2026, and clear up some common misconceptions.

Top 10 advantages of QR Code Menu for Restaurants in dubai

Dubai’s restaurant industry is one of the most dynamic and competitive in the world. From luxury dining experiences to fast-growing casual cafés, restaurants constantly look for new ways to improve service, attract customers, and operate more efficiently.

Top 15 Benefits of Business Finance for Your Business

Building a business is an exciting journey but let’s be real, it also comes with constant challenges. From managing daily expenses to planning big growth moves, everything depends on one key factor: money management. This is where business finance becomes your strongest support system.

What Will Change with UAE’s New Payment System in 2026?

The UAE’s new payment system in 2026 reflects the country’s strong commitment to building a future-ready digital economy where speed, convenience, and trust come together. With digital transactions expected to exceed 95% of total payments, the shift highlights how everyday financial interactions are becoming more seamless and technology-driven.

The Hidden Engine of Payments: APIs Explained for Merchants

Payments today happen so smoothly that they almost go unnoticed. A quick tap or click is all it takes, and the transaction is done. For customers, it feels effortless. For merchants, it’s a must-have experience. What makes this possible is a powerful system working quietly in the background APIs.

8 Powerful Benefits of Payment Gateways for Businesses

Payments have quietly become one of the most powerful growth drivers for any business. Today, customers don’t just buy a product they expect a fast, secure, and effortless payment experience. If your checkout feels outdated or slow, they may leave within seconds. Because of this shift, businesses are focusing heavily on improving how they accept payments.

Supercharge Your E-commerce Success with Payment Link Solutions

UAE’s e-commerce ecosystem is growing at a dynamic rise and it shows no signs of slowing down. With over 99% internet penetration and nearly 10 million active smartphone users, online shopping has become a daily habit rather than just a convenience. Market projections indicate that UAE e-commerce will surpass $10 billion by 2026, driven by mobile-first consumers and the rapid adoption of digital payments.

Manage Chargebacks Like a Pro in 7 Steps

Running a business in the UAE today, especially online, means dealing with payments every single day. Most of the time, everything works smoothly. Customers pay in AED, you deliver, and business moves forward. But sometimes, things don’t go as planned. A customer disputes a transaction, and suddenly you’re dealing with a chargeback.