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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TL;DR. If a European merchant pushes a lot of US-issued cards through an EU acquirer, the traffic looks cross-border to the issuer and approval rates drop. Local US acquiring and US-native rails (ACH, RTP, FedNow) usually lift conversions and cut costs. Visa also expects correct merchant location data in the auth/clearing stream and on site, which is easier when you process domestically. Rule of thumb: when 70–80%+ of your payers are US, US domestic becomes a near must-have. You need to think about US domestic acquiring for EU merchant.
US domestic acquiring for EU merchant: how to fix US declines, choose solutions, and route like a local Read More »
