Card Testing Attacks: Warning Signs, Costs and How to Stop Them
How card testing attacks work, what they cost in fees and disputes, and the layered controls and response steps that stop them.
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The Midcove Blog
Practical guides on payment processing, merchant accounts, and fraud prevention.
Fraud Filters: How to Use IP, Email, Phone and BIN Blocking
How IP, email, phone and BIN fraud filters work, where they misfire, and a simple routine to keep your block lists accurate.
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Visa VAMP Explained: Formula, Thresholds, and What to Do
How Visa's Acquirer Monitoring Program works: the ratio formula, 2025-2026 timeline, 1.5% merchant threshold, enumeration rules, and how to respond.
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Chargeback Ratio Monitoring: Formulas, Thresholds, Workflow
How Visa and Mastercard calculate chargeback ratios, the thresholds in force for 2026, and a per-MID early warning workflow that buys you time.
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Multiple MIDs for Multiple Brands: How to Structure Them Right
When each brand needs its own MID, how to structure accounts by brand, entity, or region, and why MID stacking to hide chargebacks backfires.
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How to Manage Multiple Merchant Accounts: A Daily Ops Guide
Naming, descriptors, access, reporting, reconciliation, and ratio monitoring: a practical routine for running two to ten MIDs.
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How to Switch Payment CRM Without Losing Your MID
A step-by-step playbook to switch payment CRM while keeping your MID, saved cards, subscriptions, and open disputes intact.
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Own Merchant Account vs Payment Facilitator: Which Fits You?
Stripe-style facilitators are fast to start; your own MID gives control and negotiable rates. Compare holds, pricing, and when to move up.
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Payment Gateway CRM Features: A 12-Point Buyer Checklist
Twelve payment CRM features worth paying for, the demo questions that expose weak ones, and a printable checklist for vendor calls.
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Payment Orchestration vs Payment Gateway: What’s the Difference?
Gateway, processor, acquirer, orchestration, payment CRM: see where each layer sits and which one your business actually needs.
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