The ‘High Risk’ Blog

The payment industry’s top consultants, professionals, and other experts offer their best advice, research, how-to’s, and insights, all in the name of helping you succeed as a high risk business accepting payments.

Ep 03: Managing Disputes and Chargebacks with Scott Stone of Chargeback

We’re back with a new episode of PayPod: The Payments Industry Podcast! This week, we’re exploring a payments issue that affects many businesses… chargebacks. Our guest this week who helps us explore this is a true expert on the subject. Scott Stone, CMO of Chargeback.

Scott outlined the world of payment disputes and how Chargeback helps their customers navigate them easily. With technological solutions combined with quality customer service, managing disputes has never been easier.

Chargeback sets out to build software and tools that help all merchants, large and small, high risk or not, prevent and manage chargeback fraud. As you’ll learn when you listen in, prevention is one of the most important things any business can strive for. Chargeback’s tools (both old and new) are built around making the process of chargeback prevention and management seamless.

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Ep 02: Understanding High Risk Merchants with Adam Carlson of Soarpay

It’s time to plug in to receive another episode of PayPod: The Payments Industry Podcast! This episode is particularly special to us as our host Scott was joined by a member of the Soar Payments team… the very business that sponsors this show. Our guest is Adam Carlson, CEO of Soar Payments LLC. Adam a tremendous amount of insight to share about high risk merchants, and more specifically the unique challenges they face. He also covered in detail what Soarpay does to help their customers find credit card processing solutions and succeed in spite of any challenges due to their high risk status.

Headquartered in Houston, Texas Soar Payments provides credit card processing services for businesses of all sizes. They were voted the #1 High Risk Merchant Services Provider in 2015, and 2016. Needless to say, when it comes to understanding high risk merchants, we couldn’t think of a better guest to have on the show!

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Ep 01: Innovative Payment Gateways with Stefan Tapia and Matt Thomas of PDCflow

Welcome to the first ever episode of PayPod: The Payments Industry Podcast! Every episode we’re going to explore a different side of the This week, we’re talking about innovations in payment gateways. Helping us explore this are our guests from PDCflow, Stefan Tapia and Matt Thomas. Stefan is on the sales team for PDCflow, while Matt is a member of the product team. Together, they had a ton of great insight to share!

PDCFlow is an application that allows multi-channel payments with integrated eSignatures for compliant payment authorizations… all on one central platform. Listen in to learn how it works, and what payment gateway innovations can do for your business in regards to reducing chargebacks, and so much more.

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Introducing PayPod: The Payments Podcast

PayPod is currently recording episodes for its launch on June 4th, 2018!

Hosted by Scott Hawksworth, the show features interviews with leaders and entrepreneurs in the payments and fintech industries.

Each episode, you’ll hear an interview directly with a leader or innovator in the payments industry. We talk with fintech entrepreneurs, security experts, mobile developers, eCommerce pros, and more…

From credit card processing to bitcoin… from retail point of sale systems to cutting edge digital payments software… merchant accounts and mobile checkout… we cover it all!

If you’re a payments professional interested in hearing from dynamic individuals in the fintech and payments field, or a business owner wanting to learn more about real-world applications of the most innovative products and developments in the payments industry, this is the show for you!

4 Examples of Email Disclaimers Your Company Should Use

When you opened your mail this morning you probably had at least five emails from businesses of various sorts. And chances are, if you looked below the signature block of almost all of those emails there was an Email Disclaimer. An Email Disclaimer is exactly what it sounds like, a legal disclaimer added to the bottom of your company’s email signature template that attempts to limit the legal liability of your company or otherwise clarify how your emails should be used in order to limit misuse or misinterpretation.

There are nearly a dozen specific reasons why company’s choose to use Email Disclaimers, but the purpose of this article is to provide a few quick and easy examples of disclaimers that your business can add if the stated goal is something you want to achieve. So without further adieu, let’s look at some of the most common reasons that company’s add Email Disclaimers, and a couple of examples of each…

To Limit Accidental Contract Formation:

US Courts have, at times, been willing to interpret relatively casual email exchanges as the foundation for binding business contracts. So, in order to prevent casual discussions or negotiations over email from being considered a “binding contract”, a simple Email Disclaimer will go a long way…


“For Discussion Purposes Only And Cannot Be Used To Create A Binding Contract.”


“This Email Is Not An Acceptable Offer And Doesn’t Evidence Any Intention By The Sender To Enter Into A Contract.”


To Protect Confidentiality:

Obviously if you’re trying to truly protect confidential business negotiations from being published publicly, the best way is to have the party you’re disclosing them to sign a separate Non-Disclosure Agreement before they receive the confidential information. Absent that, however, a confidentiality disclosure can help dissuade the recipient from publishing sensitive data or encourage an inadvertent recipient to delete it.


This message (including any attachments) may contain confidential, proprietary, privileged and/or private information. The information is intended to be for the use of the individual or entity designated above. If you are not the intended recipient of this message, please notify the sender immediately, and delete the message and any attachments. Any disclosure, reproduction, distribution or other use of this message or any attachments by an individual or entity other than the intended recipient is prohibited.


The contents of this email message and any attachments are intended solely for the addressee(s) and may contain confidential and/or privileged information and may be legally protected from disclosure. If you are not the intended recipient of this message or their agent, or if this message has been addressed to you in error, please immediately alert the sender by reply email and then delete this message and any attachments. If you are not the intended recipient, you are hereby notified that any use, dissemination, copying, or storage of this message or its attachments is strictly prohibited.

To Prevent CAN-SPAM Violations:

If you run a business that relies on any significant volume of emails to be sent, expect that at some point a prospective customer will complain that you are “spamming” them, even if you’re doing so responsibly. The primary US law governing appropriate emailing behavior is called CAN-SPAM. And in addition to requiring you to generally not be abusive or deceptive in the volume or nature of emailing, you’re also required to disclose a valid business mailing address. Again, a well crafted email disclosure can help mitigate concerns (or accusations) that you’re “spamming”.


For newsletters, marketing materials and other mass mailings consider something like…


123 Sample Street Anytown, TX USA 77060

You received this email because you indicated interest online in COMPANY NAME’s products. Click Here to Unsubscribe

And for individual emails sent in the ordinary course of business, consider something like…


123 Sample Street Anytown, TX USA 77060

This email was individually generated by an employee of COMPANY NAME and is not part of a mass marketing campaign.

To Protect Your Copyrights:

If your business has a copyrighted or trademarked logo, slogan, or other intellectual property, it’s important for you to protect that intellectual property against misuse. Misuse can take the form of people using the logo without permission, attempting to pass off your slogan as their own, etc. To limit the instances in which this can happen, consider adding an Email Disclosure that puts email recipients on notice that your materials are copyrighted or trademarked, and provides them with a method of reaching someone in your company that can approve / disapprove of specific uses of your intellectual property.


Pedlar Dental, Katy’s Cosmetic Dentist”© is a registered trademark of Pedlar Dental PLLC. All Rights Reserved. Email our offices for a Trademark and Copyright Use policy.”

Or very simply…

© Pedlar Dental PLLC 2017


Email Disclosures aren’t the end-all be-all of legal protections. The fact that they consist of one party unilaterally attempting to impose legal terms on the recipient is one of a few reasons that US courts are typically reluctant to enforce them too strongly against email recipients. That said, however, they can be a useful tool for small businesses to attempt to limit their liability and mitigate risk through a relatively simple addition to their company emails.

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Soar Payments Offers Expanded Credit Card Processing Options For Precious Metals Traders

HOUSTON, TX – Soar Payments, voted the #1 provider of high risk merchant accounts, this week announced expanded and more affordable credit card processing options can now be offered to precious metals traders.

Businesses that specialize in the sale of investible precious metals, such as gold, silver and platinum have historically had a difficult time securing reliable credit card processing due to the volatile nature of the industry and the potential for high chargebacks. Soar Payments, through its numerous banking and credit card processing partners, this week announced a dramatic expansion of it’s ability to provide affordable credit card processing solutions for this industry.

Reflecting on the history of the precious metals industry with credit card processing, Jacob Motley, Soar Payments VP of Sales, stated,

“The precious metals industry, as anyone who has been in the industry for a while can attest, can be highly volatile, both in terms of the volume of sales a business will have in a given month and the potential for customer chargebacks and refund requests. As a result, the industry has been categorized as high risk for credit card processing, and many banks and credit card processors have declined to process credit card payments for the industry altogether. That has left precious metals businesses in a situation where, previously, they had to pay high rates to accept credit cards, or choose to not accept them at all.”

Soar Payments expansion of partners who support this industry means that precious metals dealers now have a broader array of choices, which has translated into lower prices for businesses to accept credit and debit cards.

Regarding Soar Payments expanded solutions, Mr. Motley stated,

“We’re talking to a lot of precious metals businesses who have previously chosen not to accept credit cards at all, simply because they were declined in the past, or didn’t want to pay exorbitant rates. They’ve been really happy with the rates we’ve been able to offer, and given our ability to get them up and running in 2-3 business days, we’ve seen a lot of recent demand from this industry for our merchant account solutions.”

Houston Texas based Soar Payments has been voted the #1 rated high risk merchant account provider for 2015 and 2016. Specializing in providing credit card processing solutions to businesses categorized as ‘high risk’, Soar Payments offers a full suite of products and services for retail, eCommerce and phone sales businesses.

To apply for a merchant account, visit

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