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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.
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eCommerce Retail business tips

Up Sell, Down Sell, Side Sell Your Way to Bigger Profits
By Nico Ruggieri on November 30, 2021

Want to be successful in sales? you’re going to put a lot of time, energy, and effort into figuring out your very best initial offer. 

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Shipping eCommerce Credit Card Payment Processing holiday tends merchant account

What Every Merchant Should Know About the 2021 Holiday Season
By Nico Ruggieri on September 30, 2021

My son hasn’t decided what he wants to be for Halloween this year, but he’s already handed me his Christmas list! Normally I’d say it’s way too soon, but this year, he’s onto something.

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Credit Card Payment Processing Retail Point of Sale

Why it's Time to Ditch the Dinghy Cash Register
By Nico Ruggieri on August 24, 2021

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...

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Fraud Prevention Stolen Credit Cards Credit Card Payment Processing

Protecting Your Business from BIN Attacks and Credit Card Fraud
By Nico Ruggieri on July 6, 2021

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...

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eCommerce Chargeback Prevention Credit Card Payment Processing

How to Fight Friendly Fraud
By Nico Ruggieri on June 10, 2021

Hi Nico,

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eCommerce Credit Card Payment Processing Retail merchant account

Finding Growth Opportunities in 2021
By Nico Ruggieri on May 26, 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...

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eCommerce Credit Card Payment Processing reserves merchant account

How to Manage and Recover a Merchant Account Reserve
By Nico Ruggieri on May 12, 2021

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...

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High Risk Merchant Accounts Harder to Get
By Nico Ruggieri on April 29, 2021

 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...

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Fraud Prevention eCommerce chargebacks Stolen Credit Cards

A high-ticket order is great for your business, unless it's fraud
By Nico Ruggieri on March 30, 2021

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. 

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Fraud Prevention chargebacks

Merchant Faces Lost in the Mail Fraud
By Nico Ruggieri on February 24, 2021

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...

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