USA Payments

Guides and playbooks for USA payments—built for high-risk merchants (iGaming/sports fantasy where permitted, FX/CFD, crypto/VASP, adult, nutraceuticals, subscriptions, travel). We cover card acquiring (auth → clearing → settlement, MCC/MIDs, network tokens, chargebacks), ACH/eCheck (WEB debits, account validation, returns), real-time rails (RTP and FedNow), open banking/bank-account verification, and major APMs (Apple Pay, PayPal, wallets). Expect practical advice on approval-rate uplift (local US routing, smart retries/cascading), fraud/chargeback controls, 3DS usage (optional in the US), KYC/KYB & AML/KYT, sanctions screening, and compliance with PCI DSS, Reg E (error resolution for EFT), FinCEN MSB rules and state MTL licensing (when applicable). We also include payout rails (ACH, wires, RTP), reconciliation/webhooks, tax/VAT basics for cross-border US sales, and vendor selection tips.

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Looking for merchant account setup or integration?
Visit our dedicated page → USA Payment Solutions

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