In the unfortunate situation where a business (merchant) fails and there are insufficient funds, their acquirer generally ends up having to reimburse consumers for transactions made using credit and debit cards.
The acquirers are at risk in the process of lending money to their merchants. COVID 19 has confirmed how this risk is real and unsecured. Acquirers started to look into deferred payment, rolling reserves, cash bonds, insurance bonds, etc., as a security.

An Acquirer protection Trust model can be developed in association with other acquirer partners to hold these funds with conditions agreed between the merchant and the acquirer.

Premio Consultancy conducts detailed data analyses to guarantee accurate reporting and precise reconciliation for our clients