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Online shopping may be entering a new phase
Mastercard is moving AI-assisted shopping from an industry concept toward real payment activity through Alchemy AgentCard. Here is what ecommerce and high-risk merchants should understand about authorization, fraud, disputes and operational readiness.

Thomas M Troyer
Sep 175 min read


2ndAP Has ACH & Cryptocurrency Options for Peptide Merchants
As card brands pressure processors to decline or cancel peptide merchant accounts, 2nd Amendment Processing continues helping eligible businesses explore ACH and cryptocurrency payment options.

Thomas M Troyer
Sep 92 min read


Mastercard’s Specialty Merchant Fees Are a Pure Money Grab
Mastercard has added transaction and volume fees for businesses classified as specialty merchants. In 2ndAP’s view, this is a pure money grab: the published guidance identifies new charges, but no new merchant-facing fraud-prevention service or measurable protection purchased by those fees.

Thomas Troyer
Sep 75 min read


Mastercard’s New Merchant-Monitoring Rules: What CNP and High-Risk Businesses Need to Know
Mastercard is moving toward faster investigations and broader measurement of merchant risk. Here is what card-not-present and high-risk businesses should know about the new 72-hour standard, GMAP, and protecting their processing relationship.

Thomas Troyer
Aug 246 min read


Why Your Merchant Account Could Disappear Overnight — And How to Make Sure Yours Doesn’t
Firearms merchant accounts face new risks in 2026 — rolling reserves, frozen funds, and stricter compliance rules. Here’s what’s driving the crackdown, the red flags to watch for, and how to protect your business before a freeze forces the issue.

Thomas Troyer
Jun 193 min read


What to Do If Your Account Gets Frozen
When Square/Stripe/PayPal Freezes Your Funds: What You Need to Know Thousands of businesses trust Square/Stripe/PayPal to move their...

Thomas Troyer
Jun 20, 20252 min read


What Is Underwriting & Why It Protects Your Business
Underwriting in payment processing is crucial yet often overlooked by business owners until issues arise. If your funds have been frozen...

Thomas Troyer
Jun 16, 20251 min read
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