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June 13, 2018

Telltale Signs of Telephone Fraud What We Hear From Your Recorded Phone Calls

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We applaud many merchants for installing call recording devices that record your business phone calls. Despite the fact that you send your recordings to us as part of your dispute to a chargeback, they are not accepted by the card brands at this time for use in disputing a chargeback. However, they ARE admissible in a court of law. When you submit an audio file to us at Chosen Payments, we use it to help prepare your dispute or appeal. In fact, we listen to it over and over, pausing, taking notes about who says what in the call and...Read more


June 8, 2018

Friday Fun Facts

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Rudest Obituary – Ever! Kathleen Dehmlow died May 31 at the age of 80. Her obituary makes it clear she will not be missed by her two children. The obit in the Redwood Falls Gazette has the usual stuff such as date of birth, her marriage and her two children. Then this: “In 1962 she became pregnant by her husband’s brother Lyle Dehmlow and abandoned her children.” It goes on to say that Dehmlow “will now face judgement” and “will not be missed by Gina and Jay, and they understand that this world is a better place without her”.  The message...Read more


June 6, 2018

What is GDPR

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You have probably been inundated in the last few weeks with email messages about GDPR. On May 25, 2018, a new set of privacy rules was officially implemented in the European Union (EU). The new rules are known as the General Data Protection Regulation (GDPR). The rules apply to almost all businesses who sell on a global basis. It specifically mandates how merchants handle private information of customers and may affect you even if your business is not located in the EU.   What Is It All About? The charter states: “The protection of natural persons in relation to the...Read more


June 1, 2018

Friday Fun Facts

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Car Sinks Into Cement in Cleveland A Cleveland driver made a wrong turn and found himself delayed when his car began to sink into wet cement. Kate Warren said she watched the man drive right onto the new and wet cement last Thursday. Crews were in the middle of pouring new concrete at the intersection of Euclid Avenue and East 9th Street in Cleveland when the mishap occurred. Warren watched crews work to free the car after its tires started to sink into the freshly-poured wet cement.   Message in a Bottle – Found 18 Years Later An 11-year-old boy...Read more


May 30, 2018

Is It Legal to Pass On Credit Card Fees?

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Credit card fees have become a cost of doing business in a cashless society. No one likes to pay for the costs associated with using credit cards, but the benefits of accepting credit cards or using them outweigh the alternative of carrying cash. Still, the million-dollar merchant question remains: Can I pass credit card fees on to my customers? There are both simple and complex answers to this question. Any merchant who accepts credit cards must abide by the contract agreements with card networks (Visa, MasterCard, American Express, Discover), which outlines what they can and cannot do. Today’s financial ecosystem...Read more


May 25, 2018

Friday Fun Facts

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Man’s Right Arm Stolen in Burglary – Hand Points to Return An officer with the Grass Valley Police Department stopped a vehicle last week and noticed a prosthetic arm in the car. Michael Martin, Emma St. Claire and Mike Mulligan were charged with suspicion of burglary and possession of stolen property.  Law enforcement described in a social media post that it was “the exact arm that was stolen in the burglary.” The prosthetic arm, the sheriff’s office said, “was returned to a very appreciative owner.”   3-Year-Old Swallowed by Manure Pile Rescue efforts to save a 3 year-old Pennsylvania boy...Read more


May 23, 2018

Complaint Handling Can Decide Customer’s Loyalty

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Most people are probably willing to overlook a mistake by a vendor or merchant if there is a sufficient apology and a sincere effort to right the wrong. This is something that all of us in the business of delivering service or products should keep in mind. We are all going to trip and fall someday. It is the grace and style in which we get up that determines the future business relationship after the fall. Many small to medium size business fall short on the recovery simply because they think small and they also think about how they will...Read more


May 18, 2018

Friday Fun Facts

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Bounce House Flies Away With Child Inside A bounce house was swept away by a gust of wind last Saturday. A 9-year-old child was inside. The bounce house landed on a nearby highway in Southern California and slammed into a vehicle. The child was obviously well cushioned and suffered only minor injuries. Deputies said the driver of the vehicle that was hit was “shook up from the ordeal” but otherwise wasn’t hurt in the incident on State Highway 395 in Adelanto, according to the San Bernardino County Sheriff’s Department Roommate Killed For Talking During TV Show Dymund Ellis was really...Read more


May 16, 2018

The History of the Discover Card

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Today we conclude the series of the history of the Top 4 credit cards in America.  We conclude with the smallest of card brands, Discover Card. The Discover Card was actually launched by Sears. This is significant to know because Sears was a pioneer in consumer credit when it launched its own Sears Roebuck charge accounts in 1911, years before the credit card industry itself was born.  Except that you could only use your Sears card at Sears to buy things from Sears. In 1985 Discover was launched with no annual fee and offered a higher-than-normal credit limit.  This were...Read more


May 11, 2018

Friday Fun Facts

friday fun facts

Death-Themed Café Allows Patrons a Casket Experience A death-themed cafe is offering customers a unique experience of lying in a casket while reading the menu and placing orders.  “Our main goal is to convey the Buddha philosophy based on the teaching that having an awareness of death decreases greed and anger,” says Veeranut Rojanaprapa, the owner of Kid Mai Death Awareness Café in Bangkok. The taste of death for customers who lay down in the casket sees them come out as better human beings with inner calm and less greed and anger. With drinks named “birth”, “death”, “old age” and...Read more