Blogtree. A Safe Haven in a Chaotic Industry.

September 2011

• We're Processing over $8,000,000 per day
• Durbin Amendment debit card regulations likely to cause little overall impact.
• Accel's Ryan Sweeney on Payments.

June 2011

• Merchant Spotlight - Goodreads: It's time to get excited about reading!

May 2011

• Merchant Spotlight - SCVNGR: building a game layer on top of the world
• New features and upcoming Braintreep sightings!

January 2011

• New Year, New Search! Plus, Braintree is all over the blogs these days.
• Credit Card Data Portability Update
• Negative Option

November 2010

• Merchant Spotlight: How Laura Fitton tried to quit her start-up, oneforty, and failed
• 4 Mobile Commerce Trends You Don't Want to Miss

October 2010

• Announcing Inside Braintree

September 2010

• Multiple partial refunds
• Our releases just keep recurring!

August 2010

• Luhn 10 valid tokens to replace credit card numbers and simplify PCI Compliance
• So many features we may have infringed a patent!
• Braintree Support in Spree E-Commerce Platform

July 2010

• One Small Step For Credit Card Data Portability, One Large Step for Merchants
• You never have to wait 4 years for our next release!
• Braintree Credit Card Security Badge
• What's Up Doc?

June 2010

• An announcement bigger than the new iPhone 4 release!
• Euro Going to Love This!

May 2010

• Happy Monday!
• Open Letter to the CEO's of Paypal and Authorize.net: Help End the Credit Card Data Hostage Situation
• Happy Day Before Radio Day!

April 2010

• Credit Cards Aren't Like Milk - They're Still Good After Expired
• Don't get duped. Use this checklist.
• Happy Day after Earth Day!
• Good Day!
• What developers need to know about PCI Compliance

March 2010

• Credit Card Data Portability
• We saved a customer $14,270 in fees, without them even asking

February 2010

• Who needs to be PCI Compliant?

January 2010

• Audio files with credit card data

December 2009

• Merchant Account Risk

September 2009

• Practical Ecommerce Gives Braintree 4.5/5 Star Rating
• PCI Compliance a Check-Box for 70 Percent of Retailers

August 2009

• OpenTable
• Post Heartland breach analysis and PCI Compliance limitations
• PayPal reserves. Surprise!

July 2009

• PayPal Adaptive Payments

June 2009

• Account Verification with a Zero Dollar Value authorization request
• Visa Acquirer Processing Fee (APF) and MasterCard Network Access Brand Usage Fee (NABU)

May 2009

• Visa Misuse of Authorization

February 2009

• Why do merchant account providers ask for a personal guarantee?
• Cost of Data Breach up 2.7%

January 2009

• Data Breaches up in 2008

December 2008

• Costco, your marketing department has gone rogue

November 2008

• 2008 Credit Card Data Breach Trends

October 2008

• about
• credit-card-rates-and-fees
• MasterCard interchange changes for Utility, Real Estate and Insurance merchants
• California Data Breach Law Vetoed - Again
• Annual Credit Card Billing Subscriptions

September 2008

• Visa working on payment applications for Android

August 2008

• Visa Transaction Alerts via email and mobile phone
• Gen Y Preferred Online Payment Method
• Largest indictment of credit card hackers to date

July 2008

• Tax, Fuel, Debt, Recurring and GSA V/MC Interchange Updates
• Merchant Account Basics
• PCI DSS Requirement 6.6 - Code Review or Web Application Firewall (WAP)

June 2008

• What does it cost to become PCI Compliant?
• Where do credit card fees come from?

May 2008

• ACH and e-check validation and processing
• PCI DSS Compliance Basics
• Credit card validation
• PCI DSS Compliance Charge On My Merchant Statement?

April 2008

• High Risk Mechant Account: Third Party Payments Aggregation
• Amazon FPS
• Payment Application Data Security Standard (PA-DSS) v1.1
• PCI Compliance and the cost of a credit card breach
• PCI Compliance and Temporarily Storing the CVV2 Value
• CVV2 Does Not Affect Credit Card Rate Qualification

March 2008

• Sample Completed SAQ A Version 1.1
• White Paper on PCI DSS Compliance
• A Do It Yourself Guide for PCI DSS Compliance

February 2008

• Visa PCI DSS Compliance Data Security Alert: Network Vulnerabilites for Financial Institutions
• Updated PCI DSS Self Assessment Questionnaire (SAQ) version 1.1

January 2008

• Qualified Security Assessors (QSA's) for PCI DSS Compliance
• Vulnerability and security assessment scans for PCI DSS Compliance
• PCI DSS Payment Card Industry Self-Assessment Questionnaire (SAQ)
• Automatic update of credit card information for recurring billing merchants
• Alternative payments are getting greater scrutiny
• MasterCard partners with Microsoft and Monster to drive credit card acceptance
• Credit Card Interchange
• Innovation in credit card reward programs: 529 college savings rebates

December 2007

• MasterCard Announces Increase to International Interchange Fees
• Google reports Checkout increasing merchant sales
• Discover Card bundling processing with Visa and MasterCard
• '07 Cyber Monday sales up 21% to $733 Million

November 2007

• Best Practices for PCI Compliance
• Top 5 vulnerabilities leading to credit card data breaches
• FTC cracks down on non-disclosure of fees in the credit card processing industry
• 60 Minutes segment on credit card data security
• Purchase cards, GSA SmartPay, and Level 2 & 3 credit card processing

October 2007

• PCI Compliance for Higher Education
• What small businesses need to know about PCI Compliance
• Visa mandates that merchants eliminate the use of vulnerable payment applications
• Alternative payment types PayPal, Google Checkout, and Bill Me Later
• PCI Compliance fines for small business breaches
• Using tokenization to secure credit card data and meet PCI Compliance requirements
• Businesses paying big money to become PCI Compliant
• Merchants are prohibited from storing CVV, CVV2, CVC2 & CID per PCI standards
• Dec. 31, 2007 is the next PCI Compliance deadline
• Sept. 30, 2007 deadline passes for PCI Compliance
• Track data cannot be stored per PCI regulations
• Reasons why higher credit card fees are charged

September 2007

• A guide to chargebacks - Part I of III
• A guide to chargebacks - Part III of III
• A guide to chargebacks - Part II of III
• HBR Case Study:How to deal with a credit card security breach
• TJX cost of security breach: $150MM
• 10 simple ways to reduce credit card fraud

August 2007

• California's State Assembly looking to make retailers liable for security breaches
• Online data security for ecommerce
• Verified by Visa is not working
• Alternative payment providers see opportunity
• Amazon rains on PayPal's parade
• How do you tame predatory sales practices?
• Rule Breakers in the credit card processing industry
• Credit cards moving to Account-Level Processing
• Innovative marketing could help offset credit card fees

July 2007

• What is Visa’s role in credit card processing?
• An ideal business model: shower your customers with perks and have someone else pay for it
• A Tempo shake up looks promising

May 2007

• Interchange Under Pressure - Again
• ACH and EFT payments show impressive growth
• Paying for gas with your driver's license

April 2007

• How to choose a merchant service provider
• Why is the credit card processing industry so challenging?
• Some advice to help you avoid common mistakes
• Ad Revenue to offset credit card fees?

March 2007

• T.J. Maxx owner: 46M card numbers stolen
• Gratis launches alternative to high interchange cards

January 2007

• What are downgrades?
• Quick summary of the Visa and MasterCard class action lawsuit

December 2006

• Definitions for the payment processing industry
• A Brief History of the Credit Card Industry
• The Braintree Blog