The Chargeback Metrics and Management course provides a comprehensive understanding of chargebacks, their role in consumer protection, and their impact on merchants. It covers the chargeback life cycle, roles of key stakeholders, and essential metrics like chargeback ratio and win rate to guide performance improvement. Participants learn effective prevention strategies, such as fraud detection tools, clear communication, and proactive customer service, to minimize disputes and financial losses. The course highlights advanced technologies like AI, analytics, and automation for streamlining chargeback processes and improving resolution success. It also emphasizes regulatory compliance, dispute response strategies, and best practices, addressing global privacy laws and card network rules to help merchants maintain good standing and avoid penalties. Future trends, including blockchain, changing consumer behaviors, and stricter data regulations, are explored to equip participants for the evolving chargeback landscape. Who Should Enroll? Fraud Analysts will refine their ability to detect and respond to suspicious activity, reducing false positives and combating friendly fraud. Payment Professionals will gain actionable insights into chargeback metrics and trends to optimize payment processes and minimize losses. eCommerce Managers will learn how to mitigate disputes and improve customer satisfaction through clear communication and proactive measures. Chargeback Specialists will enhance their expertise in tailoring responses to reason codes and assembling compelling evidence to improve win rates. Program Details Program Level: Intermediate Program Field of Study: Specialized Knowledge Program Delivery Method: QAS Self-Study CPE Credits: 1.6 Advanced Preparation and/or Pre-requisites: Payment Essentials and First Party Misuse are recommended. For more information regarding any concerns, please email us at [email protected].  Refunds and cancellations are determined on a case-by-case basis. Cancellations and requests for refunds must be communicated in writing to [email protected]. Refunds will not be issued once a course has been started. Additionally, courses must be completed within one year of purchase. Merchant Risk Council is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have the final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org  Course Created: 12/19/2024 Read more

MRC Members receive exclusive pricing when accessed through the member portal.  Embark on your digital currency journey with our Cryptocurrency Essentials course, designed specifically for eCommerce payments and fraud prevention professionals. This self-paced, introductory course covers the basics of cryptocurrency, exploring its history and defining its role in digital transactions. Learn how cryptocurrency functions as a secure crypto transaction method in the eCommerce landscape. The course emphasizes understanding cryptocurrency in the context of eCommerce digital payments, offering best practices to maximize benefits while mitigating crypto risks. Ideal for those seeking to integrate and manage cryptocurrency payment methods effectively in their online business. Who Should Enroll? eCommerce payment professionals who need to understand how cryptocurrency can be integrated as a payment method. Fraud prevention specialists requiring knowledge of cryptocurrency to identify and mitigate associated risks. eCommerce business owners who are considering or currently accepting cryptocurrency as a payment option. Marketing and strategy professionals in retail looking to understand the appeal and functionality of cryptocurrency. This course may also be beneficial for financial analysts in eCommerce, IT and security professionals, customer service representatives, and compliance and regulatory officers. Program Details Program Level: Basic  Program Field of Study: Specialized Knowledge Program Delivery Method: QAS Self Study CPE Credits: 1.0   Advanced Preparation and/or Pre-requisites: None For more information regarding any concerns, please email us at [email protected].  Refunds and cancellations are determined on a case-by-case basis. Cancellations and requests for refunds must be communicated in writing to [email protected]. Refunds will not be issued once a course has been started. Additionally, courses must be completed within one year of purchase. Merchant Risk Council is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have the final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org  Course Created: 04/27/2023 Updated: 06/04/2025 Read more

MRC Members receive exclusive pricing when accessed through the member portal.  The EMV® 3D Secure (3DS) Authentication course is a self-paced, intermediate program covering an in-depth exploration of EMV® 3DS, a cutting-edge protocol designed to enhance security for online card-not-present (CNP) transactions. This comprehensive course delves into the intricacies of EMV 3D Secure (3DS) Authentication. Participants will delve into the fundamentals of EMV 3DS, understand its evolution, and examine the process flow that makes it an essential tool for modern e-commerce. The course is meticulously structured to cover key aspects of EMV 3DS, including device data collection, different types of authentication methods, and the global regulatory landscape influencing its implementation. Who Should Enroll? Payment security professionals who are involved in securing online transaction environments, including cybersecurity experts and payment gateway developers. eCommerce professionals managing online retail platforms who need to understand how EMV 3DS can optimize customer experience and reduce fraud. Cybersecurity experts responsible for protecting online transaction environments. Compliance officers ensuring adherence to international and regional payment security standards. IT and Network Security Specialists responsible for implementing and maintaining secure online transaction systems. This course may also benefit financial and payment security personnel and digital payment innovators.   Program Details Program Level: Intermediate Program Field of Study: Specialized Knowledge Program Delivery Method: QAS Self Study CPE Credits: 1.0 Advanced Preparation and/or Pre-requisites: None For more information regarding any concerns, please email us at [email protected].  Refunds and cancellations are determined on a case-by-case basis. Cancellations and requests for refunds must be communicated in writing to [email protected]. Refunds will not be issued once a course has been started. Additionally, courses must be completed within one year of purchase. Merchant Risk Council is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have the final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org  Course Created: 1/16/2024 Read more

In the fast-paced world of digital payments, optimizing transaction processing, managing costs, and enhancing fraud prevention are critical to business success. At the core of these processes lies a powerful tool—Bank Identification Numbers (BINs). This course offers payment professionals a deep dive into both standard and enhanced BIN data, equipping them with the knowledge to leverage this crucial data for optimizing payment workflows, minimizing costs, and bolstering fraud detection strategies. Participants will explore the evolution of BINs, understand their role in payment processing, and learn how enhanced BIN data provides granular insights that standard data cannot. By the end of the course, professionals will be able to use enhanced BIN data for strategic transaction routing, cost management, customer segmentation, and more. Who Should Enroll? Fraud prevention analysts will learn to use enhanced BIN data to improve fraud detection and prevent fraudulent transactions. Payment professionals will discover strategies for optimizing transaction routing and reducing costs with BIN data. Data analysts will gain insights into incorporating BIN data for better customer behavior and transaction analysis. IT and security professionals will learn to integrate BIN data into payment systems to enhance security and transaction flow. Compliance officers will understand BIN data’s role in regulatory compliance and cost management. E-commerce and retail business owners will benefit from using BIN data to personalize payment options and improve efficiency. Program Details Program Level: Intermediate Program Field of Study: Specialized Knowledge Program Delivery Method: QAS Self-Study CPE Credits: 1.6 Advanced Preparation and/or Pre-requisites: Payment Essentials is recommended. For more information regarding any concerns, please email us at [email protected].  Refunds and cancellations are determined on a case-by-case basis. Cancellations and requests for refunds must be communicated in writing to [email protected]. Refunds will not be issued once a course has been started. Additionally, courses must be completed within one year of purchase. Merchant Risk Council is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have the final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org  Course Created: 10/23/2024 Read more

The First-Party Misuse Essentials course provides an accessible, entry-level introduction to one of the most widespread and costly types of chargeback abuse in the payments ecosystem. Often misunderstood, first-party misuse occurs when a legitimate cardholder initiates a chargeback—either intentionally or unintentionally—on a valid purchase, resulting in financial losses for merchants and added costs for issuers. This course equips learners with a clear understanding of what constitutes first-party misuse, the different types (hostile, confused, and unaware), how to measure its prevalence using compelling evidence, and strategies to mitigate its impact. From improving transaction transparency to deploying representment and fraud alert tools, participants will walk away with actionable best practices for managing and reducing first-party misuse. Who Should Enroll? Customer Support and Fraud Operations Staff who review disputes and work with cardholders eCommerce and Subscription Merchants who experience high chargeback volumes Payment Professionals seeking to reduce preventable chargebacks and strengthen defenses Analysts and Risk Managers looking to identify and quantify first-party misuse behavior Program Details Program Level: Intermediate Program Field of Study: Specialized Knowledge Program Delivery Method: QAS Self-Study CPE Credits: 1.0 Advanced Preparation and/or Pre-requisites: Fraud Essentials is recommended. For more information regarding any concerns, please email us at [email protected].  Refunds and cancellations are determined on a case-by-case basis. Cancellations and requests for refunds must be communicated in writing to [email protected]. Refunds will not be issued once a course has been started. Additionally, courses must be completed within one year of purchase. Merchant Risk Council is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have the final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org  Course Created: 06/ /2025 Read more

MRC Members receive exclusive pricing when accessed through the member portal.  In today's digital age, where eCommerce platforms thrive, so does the risk of online fraud. Understanding the foundations of online fraud is crucial whether you're dealing with credit card fraud, marketplace fraud, or first-party misuse (aka friendly fraud). The MRC Fraud Essentials course is a self-paced program that explores the intricacies of online fraud, its perpetrators, and the role of fraud analysts. By the end of the course, you will have a strong foundation in navigating the complex world of online fraud! Who Should Enroll? Fraud specialists starting in the fraud analysis and prevention field. Fraud analysts staying current on the latest industry standards. eCommerce professionals looking to enhance their store's security and customer trust. Payments professionals aiming to upgrade their fraud knowledge. Program Details  Program Level: Basic  Program Field of Study: Specialized Knowledge  Program Delivery Method: QAS Self Study CPE Credits: 3.6 Advanced Preparation and/or Pre-requisites: None  For more information regarding any concerns, please contact our office at 206-364-2789 or email [email protected].  Refunds and cancellations are determined on a case-by-case basis. Cancellations and requests for refunds must be communicated in writing to [email protected]. Refunds will not be issued once a course has been started. Additionally, courses must be completed within one year of purchase. Merchant Risk Council is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have the final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org    This course was revised on 10/04/2023 Read more