Professional Overview
Dimitri Akhrin is a payments industry executive and entrepreneur with years of hands-on experience in merchant services, fintech strategy, and business operations. He has worked directly with ecommerce and B2B businesses to reduce processing costs, improve cash flow, and implement smarter pricing structures. Through the BAMS Blog, he breaks down complex topics like interchange fees, surcharging, and processor negotiations into practical strategies operators can apply immediately. His focus is simple: give merchants clarity, leverage, and measurable margin improvement.
Latest Articles by Dimitri Akhrin
The Reserve Clauses Quietly Draining Your Merchant Cash Flow Your eCommerce store is growing. Revenue is climbing. And yet your operating account feels tighter than it did six months ago. The culprit is often hiding in the reserve clauses of your processing agreement: rolling reserves that withhold a percentage of every transaction, sometimes for 180 […]
TL;DR Audit readiness is a routine, not a project – Build a lightweight compliance file and review it quarterly so you can respond to any card-brand or processor review within one business day, not one frantic week. Your program label must match your program structure – A “cash discount” that operates as a surcharge creates […]
What You Will Achieve: A PCI-Compliant, Connected Payment Stack By the end of this tutorial, your funeral home will have a payment stack integration that connects your merchant account, payment gateway and back-office systems (case management, accounting, invoicing) in a way that meets PCI DSS requirements. You will not need to rip out software that […]
Your Transaction Data Is Warning You Before Your Processor Does Reserves feel like a penalty, but they rarely arrive without warning. These chargeback protection signals show up in your transaction data weeks or months before your processor adjusts your terms. Watch for a creeping refund rate, a cluster of disputes tied to one product category […]
TL;DR Debit and prepaid cards cannot be surcharged – Visa and Mastercard prohibit it and violations can lead to card-brand fines, refunds and customer complaints. Test your terminal with a debit card to confirm it is properly excluded. State laws vary and change – Visa’s merchant guidance (current as of February 2024) lists Connecticut, Maine, […]
Guide Orientation: What This Covers and Who It’s For This guide walks you through PCI compliance for funeral homes that use integrated payment systems. It covers the specific requirements, architecture decisions and staff practices that protect cardholder data when you process high-value, sensitive transactions. It’s written for family-owned funeral home operators managing one to ten […]
