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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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If You Want Massive Business Growth, Watch These Numbers
By Nico Ruggieri on April 6, 2022

When it comes to watching numbers, a lot of the business owners I talk with have the basics covered. They’re watching things like revenue, ad spend, conversion rate, and cost per sale....

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How to Make the Most out of Your Payment Processing Solution
By Nico Ruggieri on January 31, 2022

I was talking the other day with a shop owner who has a robust local business that he’d like to make even bigger. His plan is to bring in more sales and have subcontractors make the...

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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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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 shop....

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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 and...

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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 to...

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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 bank...

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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 seeing...

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