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Nico Ruggieri

About Nico Ruggieri

Nicholas, best known as Nico to his peers, is Co-Founder and Chief Sales Officer for Pinpoint Payments. Nico is widely considered an expert in Payment Processing, Fraud Prevention, and Chargeback Management with over a decade in the business. Nico is an active member of the Merchant Acquirers Association, Subscription Trade Association, National Hemp Association, and several others.

Recent Posts

24 08, 2021

Why it's Time to Ditch the Dinghy Cash Register

I walked into a convenience store while in New York last week that appeared well kept and clean. The owner had clearly invested some time and effort to make it a comfortable place to shop. The lights were bright and the floors were squeaky clean. But the cash register is what really caught my[...]
06 07, 2021

Protecting Your Business from BIN Attacks and Credit Card Fraud

If you see a customer messing up on a CVV code a few times, it's not big deal. They look in the wrong place on the card or hit the wrong key. It happens. But when it happens repeatedly and on multiple cards, it could be a very big deal. Especially if it’s for a small amount of money at an unusual[...]
10 06, 2021

How to Fight Friendly Fraud

Hi Nico,
26 05, 2021

Finding Growth Opportunities in 2021

It’s been said that companies have a choice - innovate or die. That’s true whether or not there we’ve been working our way through a global pandemic filled with uncertainty. It’s time to take action as we head into the second half of 2021. Planning for strategic growth is challenging at any stage[...]
12 05, 2021

How to Manage and Recover a Merchant Account Reserve

Hi Nico, When I started my eCommerce business over a year ago, I started with a bank that required a reserve. We stayed with that bank for six months before switching over to another bank with great service. Here’s my problem - that was well over six months ago and my original bank still hasn’t[...]
29 04, 2021

High Risk Merchant Accounts Harder to Get

By Nico Ruggieri | April 29th, 2021 | facebook shops
 When the economy gets shaken as it did this past year, there’s obvious fallout that gets a lot of press. But there are other subtle things that you don’t hear as much about. We’re seeing this with banks and approvals right now, and it’s something that any merchant who wants to open a new merchant[...]
30 03, 2021

A high-ticket order is great for your business, unless it's fraud

Recently, we got an appeal for help from one of our customers. Unfortunately, it’s an all too common situation, so we're sharing our answer here. 
24 02, 2021

Merchant Faces Lost in the Mail Fraud

By Nico Ruggieri | February 24th, 2021 | Fraud Prevention, chargebacks
Hi Nico, My customer service team got a call today from a cordial customer claiming that he never received wireless headphones that I know left the warehouse four weeks ago. Deliveries slowed down around the holidays creating all kinds of issues, but we’re back to normal now. Still, it seems like[...]
28 01, 2021

Swamped by a Successful Facebook Campaign

Dear Nico, After trying out a few products, I hit on what I was sure to be hot for the holidays - a portable pop up desk that can turn any flat surface into a stable standing desk with a handy cup holder. I made a great deal with a supplier that had a distribution center in California, and we[...]
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