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
What You’ll Achieve: A Week-by-Week Cash Flow Forecast Built on Your Own Transaction Data By the end of this tutorial, you’ll have a working payout hold forecast: a spreadsheet model that maps your payout holds against your actual transaction patterns. This model will let you forecast your real available cash on a weekly basis, not […]
TL;DR Compliance isn’t an enterprise problem – Small and midsize businesses running dual-pricing or fee-recovery programs face real regulatory exposure that changes state by state, often without warning. Monthly beats annual – A 30-minute compliance check at month-end (statement review, signage audit, regulatory scan) costs almost nothing and prevents expensive reactive cleanups. Think margin hygiene, […]
The PCI Compliance Gaps Hiding in Funeral Home Payment Systems Funeral homes handle transactions that carry unusual weight. Picture a grieving family authorizing a $12,000 charge by phone. Or a prepaid arrangement funded online, or a split payment across two cards at the arrangement desk. Each scenario creates a distinct data-handling obligation under PCI DSS. […]
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 […]
