Podcast
Click & Convert with Maria Sparagis
Hosted by Maria Sparagis · EN
Maria Sparagis has spent 20+ years helping online businesses find the revenue they didn't know they were losing. As president of DirectPayNet and a payment solutions expert, she knows that the difference between a good business and a great one often comes down to how you handle payments and conversions.
On Click & Convert, Maria shares the strategies, tools, and insider knowledge that ecommerce founders and online entrepreneurs need to scale to 6 and 8 figures — from optimizing your checkout flow to maximizing what hits your bottom line.
Featured in American Banker, Vice, Coindesk, and Yahoo. Connect at mariasparagis.com or directpaynet.com.
10episodes
Episodes
Newest firstAll episodes
#244 Why Your Payment Processor Treats You as High‑Risk (Even If You’re Legit)
2w ago00:12:21Tap to summarizeAre Stripe, Shopify Payments, PayPal, or another processor delaying payouts, adding reserves, or asking a ton of questions about your business?In this episode, Maria explains why your payment processor treats you as high-risk — even if you're a legit online merchant — and how that affects your cash flow and shutdown risk. You'll learn a simple checklist to see how processors really see your business and a 3-step action plan to protect your accounts and keep more of every sale.Maria breaks down the three things processors actually look at — your product category and billing model, your chargeback and refund numbers, and your checkout and support experience — and why you can feel like a completely normal business while still ticking every box their systems flag as high-risk.👉 Getting flagged as high-risk and not sure why? We help merchants stabilize their processing, fix chargeback issues, and set up accounts built for high-risk industries: Contact us today!🎯 Key Concepts Covered🟩 High-Risk Merchant Classification — how processors like Stripe, Shopify, and PayPal quietly categorize businesses as high-risk based on product category, billing model, and dispute history, regardless of legitimacy.🟩 Payment Processor Reserve — a percentage of revenue a processor holds back for a set period as protection against chargebacks and refunds, often triggered without warning.🟩 Stripe Payout Hold — when Stripe delays or withholds a merchant's funds, typically due to elevated chargeback rates, sudden volume spikes, or industry risk.🟩 Chargeback Ratio — the percentage of transactions disputed by customers, monitored by processors and card networks to determine account risk and fees.🟩 Billing Descriptor — the business name and details that appear on a customer's card statement, directly influencing whether they recognize a charge or dispute it.🟩 High-Risk Merchant Account — a merchant account structured for businesses facing elevated dispute or fraud risk, offering more stability than standard payment aggregators.
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#243 The Revenue Leaks Most Businesses Never Find
3w ago00:07:40Tap to summarizeYou could be losing thousands of dollars a month — and your marketing dashboard would never show it.Most founders respond to slow growth by launching new campaigns, testing new creatives, and tweaking landing pages. But money is disappearing somewhere else entirely: a declined card your customer never mentioned, a processing fee you never negotiated, a chargeback that quietly limits which processors will work with you next. None of it shows up in your marketing dashboard, so it never gets fixed.In this episode, Maria breaks down 5 hidden revenue leaks costing online businesses money right now — from overpaying for payment processing, to relying on a single processor with no backup, to the Merchant Category Code most business owners have never even heard of that's quietly killing their approval rate.She also covers why these leaks compound over time — a high chargeback ratio doesn't just cost you a dispute, it raises your processing costs and shrinks which processors will even work with you going forward.👉 Not sure where your business is losing revenue? We help ecommerce businesses lower processing costs, reduce chargebacks, and build a payment setup that protects revenue as you scale. Contact us today!🎯 Key Concepts Covered🟩 Business Growth Stall — when a company's revenue stops increasing despite working marketing and traffic, often caused by internal, non-marketing factors rather than a lack of demand.🟩 Lack of Business Growth — the financial and operational causes behind stalled revenue, including payment processing costs, declined transactions, and processor risk rather than funnel or ad performance.🟩 Business Growth Audit — a review of a company's internal operations and payment infrastructure, rather than only its marketing, to identify where revenue is being lost.🟩 Merchant Category Code (MCC) — the four-digit code that classifies your business and directly affects your approval rate and processing costs.🟩 Chargeback Ratio — the percentage of transactions disputed by customers, monitored by processors to determine account risk and fees.🟩 Payment Processing Costs — the fees deducted from every transaction, often reduced through better rate structures or renegotiation.
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#242 Is Your Checkout Scaring Customers Away? 7 Trust Fixes That Increase Sales
4w ago00:15:33Tap to summarizeIf customers are reaching checkout but not completing payment, your checkout page may be missing the trust signals, payment options, and clarity buyers need before entering their card.Your ads are working. People are clicking. They're adding to cart. But at checkout, something feels off — the page doesn't match your site, there's no contact info, the refund policy is buried, or the payment options are limited — and they bounce. You blame the offer. The problem is the page.In this episode, Maria walks through seven checkout page fixes that reduce cart abandonment and increase completed purchases — from matching your branding through checkout to fixing the billing descriptor that customers don't recognize on their statement.She also covers why an unclear checkout doesn't just lose the sale — it creates the chargebacks and processor problems that put your merchant account at risk.👉 Losing sales at checkout and not sure why? We help ecommerce businesses fix checkout friction, reduce chargebacks, and build a payment setup that scales with you. Contact us today!🎯 Key Concepts Covered🟩 Cart Abandonment — When a customer adds items to their cart but leaves before completing payment, often caused by checkout friction rather than the offer itself.🟩 Billing Descriptor — The business name and details that appear on a customer's card statement, directly influencing whether they recognize a charge or dispute it.🟩 Checkout Page Optimization — Improvements made to a checkout page's design, trust signals, and payment options to reduce abandonment and increase completed purchases.🟩 Chargeback Ratio — The percentage of transactions disputed by customers, monitored by processors and card networks to determine account risk and fees.🟩 Increase Sales Conversion — Turning more of your existing checkout traffic into completed purchases, without needing more visitors or ad spend.
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#241 Is Your AI Agent Quietly Increasing Chargebacks?
Jun 2600:10:36Tap to summarizeYou added AI support agents to save money. It might be why your chargebacks are climbing. For ecommerce brands, AI support chatbots are an easy sell — fewer tickets, lower headcount, faster response times. But there's a failure mode most operators don't catch until their processor is already asking questions: when a customer hits a wall with your chatbot — a scripted refund denial, no escalation path, or a bot that loops instead of resolves — they don't push back. They call their bank. And that payment dispute lands on your chargeback ratio whether your team ever knew the support interaction failed.In this episode, Maria breaks down three specific ways AI customer support triggers chargebacks for ecommerce businesses, how to audit your own chatbot using the dispute data you already have, and the exact fixes you can make this week — without adding headcount. She also covers the metric every ecommerce operator tracks instead of the right one, and why your ticket deflection numbers are masking a much more expensive problem.👉 Chargeback rate climbing since you launched AI support? We work with ecommerce businesses to identify dispute triggers, fix support flows, and build a payment setup that processors want to work with. Contact us today!____________________________________________🎯 Key Concepts Covered 🟩 AI Support Agent — A software layer ecommerce businesses use to handle customer support automatically across chat, email, and messaging. Without clear boundaries around refunds and cancellations, AI support agents and customer service chatbots can quietly drive chargeback rates up by blocking resolutions before customers escalate to their bank.🟩 Customer Service Automation — The use of AI tools to handle customer inquiries and returns without human involvement. Introduces chargeback risk when customer support automation flows fail to resolve refund requests.🟩 Chargeback Prevention — Strategies merchants use to reduce payment disputes before they're filed. For ecommerce businesses running AI support, it starts with identifying where automated flows are pushing customers to their bank instead of resolving the issue.🟩 Chargeback Rates / Chargeback Ratio — The percentage of transactions that result in a dispute. Visa and Mastercard enforce thresholds around 1% — exceeding it triggers processor reviews, fines, reserve requirements, and account termination risk.🟩 Friendly Fraud — A chargeback filed on a legitimate transaction, often because the customer couldn't get a resolution through the merchant's support channel.🟩 Payment Dispute — A formal challenge raised by a cardholder through their bank. Disputes rooted in unresolved AI support interactions are among the easiest for banks to win.
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#240 Stripe Withheld Your Funds – 4 Steps That Actually Work
Jun 1900:14:07Tap to summarizeYour Stripe account closed and Stripe is still holding your funds? Here's what's actually happening and how to recover Stripe money faster. When Stripe shuts down your account, your remaining balance doesn't get sent to your bank automatically. Instead, Stripe moves those funds into a reserve and holds them — typically 90 to 180 days, sometimes longer — to cover any refunds or chargebacks that come in on past transactions. For high-risk businesses or accounts with messy chargeback history, that hold period can extend even further. In this episode, Maria walks through what happens to your money after a Stripe account shutdown, why the reason you were shut down directly affects your chances of getting paid out, and the exact steps you can take to push for a faster fund release. She also covers one critical mistake founders make with their company and bank account that creates serious delays — and how to avoid it. 👉 Stripe shut you down and you're still waiting on your money? We can help you understand your risk profile, your options, and how to build a payment stack that isn't this fragile. Contact us today!🎯 Key Concepts Covered 🟩 Stripe Withheld Funds — When Stripe withholds your remaining balance after an account shutdown, typically for 90 to 180 days, to cover potential chargebacks and refunds on past transactions. Fund holds can extend beyond 180 days for merchants flagged as high-risk. 🟩 Termination Reserve — A freeze on your full remaining balance applied specifically after Stripe closes your account. Unlike a rolling reserve, a termination reserve locks the entire balance and can last 180 days or more after closure. 🟩 Rolling Reserve — An ongoing hold where Stripe withholds a percentage of each transaction — typically 10 to 30% — for 30 to 90 days before releasing it. Common for high-risk merchants and often applied before a shutdown occurs. 🟩 Chargeback Ratio — The percentage of transactions that result in a dispute. Stripe flags accounts exceeding a 1% chargeback ratio, often triggering reserves, holds, or full account termination. 🟩 High-Risk Merchant — A business classification applied to sellers of digital products, supplements, subscriptions, coaching, and other flagged verticals. High-risk merchants face stricter fund hold policies and higher likelihood of Stripe account termination. 🟩 KYC Compliance — Know Your Customer verification that processors use to confirm merchant identity. Missing or mismatched KYC documentation is a common trigger for Stripe account reviews and shutdowns.
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#239 The Silent Revenue Killer: Fixing 'Do Not Honor' Declines
Jun 1200:11:42Tap to summarizeYour customers are trying to buy. Their cards are valid. Yet the transaction still gets declined. Do Not Honor is one of the most misunderstood credit card decline codes, and for many businesses it's quietly costing thousands in lost revenue every month. Most merchants assume these sales are gone for good when, in reality, many of them can be recovered. In this episode, Maria explains what Do Not Honor declines actually mean, why banks issue them, and how to determine whether your decline rate is normal or a sign of a bigger problem. She also walks through the strategies merchants use to improve issuer confidence, increase approval rates, and recover revenue without spending more on advertising.👉 Need help improving approval rates, reducing declines, or optimizing your payment stack? Contact us here! ____________________________________________ 🎯 Key Concepts Covered 🟩 Stripe Account Terminated — Why Stripe closes merchant accounts, what a Stripe account suspension means for your business, and what to do if Stripe holds your funds or shuts you down with no warning. 🟩 How to Switch from Stripe — Step-by-step process for migrating off Stripe to a new payment processor without losing customers, breaking checkout, or interrupting recurring revenue.🟩 Stripe Data Migration — How to export customer payment methods, saved cards, and billing history from Stripe — and what Stripe won't let you take with you. 🟩 Migrate Subscriptions to a New Processor — How to move recurring billing, subscription plans, and automated invoicing from Stripe to another payment gateway without failed charges or churn. 🟩 Best Stripe Alternatives for Business — Payment processors and merchant account providers that offer more control, better support, and fewer surprise shutdowns than Stripe. 🟩 Dedicated Merchant Account vs Stripe — Why a direct merchant account gives you more stability, lower risk of holds, and more negotiating power than a payment aggregator like Stripe.🟩 Payment Processing Backup Plan — How to set up a secondary payment processor, failover gateway, or backup merchant account so one provider shutting you down doesn't kill your business.
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#238 What Happens If Stripe Shuts You Down Tomorrow?
Jun 400:11:21Tap to summarizeTake back control of your payments before Stripe, Shopify Payments, PayPal, or Square take control of your business.Many ecommerce brands build their entire payment infrastructure around a single payment service provider. While platforms like Stripe, Shopify Payments, PayPal, and Square are great for getting started, they shouldn't be the foundation of your business as you scale.The biggest risk isn't just an account review or shutdown. It's discovering too late that your processor controls the customer payment data you need to make a smooth transition.In this episode, Maria walks through a step-by-step roadmap for moving away from Stripe and other PSPs safely — without disrupting your customers, subscriptions, or revenue. This isn’t theory; it’s a practical migration framework designed to help you rebuild your payment stack with redundancy and control.She breaks down the exact process of how to leave Stripe safely without disrupting subscriptions or payment flow:Secure your backup solutionDecouple your billingMigrate your dataGradually move sales volumeBuild your payment stack👉 Need help building a scalable payment stack or planning a processor migration? Contact us here!____________________________________________🎯 Key Concepts Covered🟩 Stripe Account Terminated — Why Stripe closes merchant accounts, what a Stripe account suspension means for your business, and what to do if Stripe holds your funds or shuts you down with no warning.🟩 How to Switch from Stripe — Step-by-step process for migrating off Stripe to a new payment processor without losing customers, breaking checkout, or interrupting recurring revenue.🟩 Stripe Data Migration — How to export customer payment methods, saved cards, and billing history from Stripe — and what Stripe won't let you take with you.🟩 Migrate Subscriptions to a New Processor — How to move recurring billing, subscription plans, and automated invoicing from Stripe to another payment gateway without failed charges or churn.🟩 Best Stripe Alternatives for Business — Payment processors and merchant account providers that offer more control, better support, and fewer surprise shutdowns than Stripe.🟩 Dedicated Merchant Account vs Stripe — Why a direct merchant account gives you more stability, lower risk of holds, and more negotiating power than a payment aggregator like Stripe.🟩 Payment Processing Backup Plan — How to set up a secondary payment processor, failover gateway, or backup merchant account so one provider shutting you down doesn't kill your business.
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#237 Why Having Low Chargebacks Is No Longer Enough to Keep Your Account Safe
May 2800:15:56Tap to summarizeYour account can get flagged long before you ever hit a 1% chargeback rate.For years, 1% was treated like the magical chargeback threshold. As long as your business stayed under it, most merchants assumed their account was safe. But a lot of ecommerce brands are now finding out that low chargebacks alone won’t protect you from reserves, payout holds, or account reviews anymore.Payment processors are looking at a much broader picture of risk today — including refund rates, dispute activity, customer complaints, sudden spikes in volume, and overall account behavior. Even a small shift in your metrics can increase scrutiny, despite having a “healthy” chargeback ratio on paper.In this episode, Maria breaks down why the old 1% rule no longer tells the full story, what payment processors are actually monitoring behind the scenes, and why some businesses with low chargebacks still get flagged. She also covers the key risk metrics merchants should be tracking every month to reduce the chances of reserves, payment holds, or shutdowns.What metrics processors look atEarly warning signs your account is at riskHow to minimize chargebacksHow to avoid account closuresHow to protect your businessIf you use Stripe, Shopify Payments, PayPal, or another payment processor, understanding how modern risk monitoring works is becoming essential for protecting your payouts and keeping your account stable.👉 Need help reducing payment risk or stabilizing your merchant account? Contact us!____________________________________________🎯 Key Concepts Covered🟩 Chargeback Ratio — The percentage of transactions that turn into chargebacks. One of the main metrics payment processors use to assess merchant risk.🟩 Payment Processor Risk Monitoring — The automated systems used by Stripe, Shopify Payments, PayPal, etc. to evaluate merchant behavior and flag potential risk.🟩 Payment Holds — Temporary freezes or delays on payouts triggered by risk reviews, dispute spikes, or unusual transaction activity.🟩 Merchant Account Reserves — Funds held back by a payment processor to cover potential chargebacks or financial risk exposure.🟩 Merchant Account Shutdowns — The suspension or termination of a payment account due to elevated risk signals or compliance concerns.🟩 VAMP Ratio — Visa’s monitoring metric used to track fraud and dispute levels across merchant accounts.🟩 Refund Rate — The percentage of orders refunded, often used by processors as an indirect signal of customer dissatisfaction or risk.
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#236 Your Payment Processor Is Silently Blocking Sales
May 2100:13:08Tap to summarizeAI fraud scoring systems may be silently declining your transactions without you realizing it. Most online businesses see higher failed payments or lower conversion rates and assume it’s ads, checkout, or pricing — but have you checked if an AI fraud scoring system is to blame? Risk engine and automated payment gateway settings may be blocking legitimate customer orders. These systems are designed to prevent losses, not maximize revenue, which leads to false declines. In this episode, Maria breaks down how to spot when AI fraud tools are impacting your payments, and shows you which fraud settings to adjust so they actually fit your business model instead of generic default rules. You’ll learn how to recognize false decline patterns, what’s triggering them, and how to improve approval rates without increasing fraud risk: How to identify which Fraud AI mechanisms are active in your gatewayHow to know if Fraud AI is working against youHow to adjust your Fraud AI scoring filtersHow to test your new settingsTop fixes every merchant needs to knowIf you’re using Stripe, Shopify, or any payment gateway and seeing unexplained declines or high payment failure rates, this is likely where the problem is coming from — and what you can do to fix it. 👉 Need help with payment processing, fraud settings, or reducing false declines? Contact us!
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#235 How to Reduce Stripe Chargebacks in 3 Steps
May 1400:09:38Tap to summarizeStripe chargebacks are not just costing you money — too many disputes can put your entire account at risk.If customers are filing disputes, calling their bank, or not recognizing your charges, the problem is not always fraud — often it’s avoidable friction, unclear communication, and weak checkout or billing practices.Maria breaks down 3 simple ways to reduce Stripe chargebacks, improve customer trust, and protect your Stripe account from excessive dispute rates. Learn how to make your charges more recognizable, reduce customer confusion, and create a better post-purchase experience that prevents disputes before they happen:Create a “what is this charge” pageUpdate your billing descriptorSet up chargeback alertsYour chargeback prevention checklistIf you are using Stripe and struggling with chargebacks, these are some of the fastest and easiest fixes you can implement to lower disputes and keep more revenue.👉 Need help with payment processing, Stripe risk issues, or reducing chargebacks? Contact us now!____________________________________________🎯 Key Concepts Covered🟩 Stripe Chargebacks — Payment disputes filed by customers through their bank that reverse a transaction and can increase processing risk for your Stripe account.🟩 Friendly Fraud — Chargebacks caused by customer confusion, forgotten purchases, or unrecognized billing descriptors rather than true fraud or stolen card activity.🟩 Billing Descriptor — The business name or transaction label customers see on their credit card statement that helps them recognize a purchase and avoid chargebacks.🟩 Chargeback Prevention — Strategies used to reduce customer disputes before they happen, including clear communication, recognizable charges, and accessible customer support.🟩 Stripe Dispute Fee — The non-refundable fee Stripe charges merchants each time a customer initiates a chargeback, regardless of whether the dispute is won or lost.🟩 Stripe Dispute Rate — The percentage of Stripe transactions that become chargebacks, which Stripe monitors closely when evaluating merchant account risk.🟩 Stripe Account Suspended — When Stripe restricts or disables a merchant's account due to excessive disputes, high chargeback rates, or elevated payment processing risk.
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