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Top 10 High-risk Trends That Put You at Risk of Card Brand Fines

Fully Updated for 2023 and Beyond

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In this third edition of our popular guide, learn about recent high-risk trends with card-not-present transactions that are likely to lead to expensive BRAM and VIRP fines. You'll read about real-life examples and get resources to help answer common questions about these trends and how to navigate them.

Our 36-page High-risk Trends Guide explores some of the most pervasive online trends, including:

  • Novel cannabinoids
  • “Buy this, get that” schemes
  • Merchant clusters
  • Non-nicotine vapes
  • Fake documents
  • And many more!

The guide also offers tips and resources to spot and avoid problematic merchants.