Kimberly Ang

Kimberly Ang

Latest Articles by Kimberly Ang

Six-month rolling reserve waterfall showing how settlement holds accumulate, when funds are released, and how reserve reductions improve available cash. Chargeback Ratio Management: A Cash Flow Guide
Read MoreChargeback Ratio Management: A Cash Flow Guide

How uncontested disputes quietly raise your reserve thresholds and lock up working capital as you scale Learn how your chargeback ratio directly controls processor reserve requirements and why those holds tighten during growth phases. This guide shows you how to forecast around held funds, negotiate lower reserves, and turn dispute management into a cash flow […]

Operational dashboard infographic showing alert tracking, billing descriptor checks, fraud controls, response times, and weekly chargeback ratio monitoring. Payment Optimization: Build a Chargeback Alert System
Read MorePayment Optimization: Build a Chargeback Alert System

A step-by-step tutorial any eCommerce manager can set up this week—no fraud team or enterprise tools required Learn how to build a working chargeback early-warning system for your eCommerce store using accessible tools and a clear daily workflow. This tutorial walks you through alert enrollment, dispute tracking, and resolution steps that protect revenue and build […]

Professional fintech infographic illustrating the imbalance between consumer mobile payment security and merchant chargeback evidence using a balance scale comparing biometric authentication with available dispute evidence. Mobile Payment Security: The Fraud Gap No One Tells Merchants
Read MoreMobile Payment Security: The Fraud Gap No One Tells Merchants

Biometric authentication protects consumers but quietly arms friendly fraud with airtight-looking evidence Learn why the same mobile payment security features that protect consumers—biometric authentication and tokenization—create a dangerous evidence gap for merchants fighting chargebacks. This piece exposes the disconnect between the consumer safety narrative and the fraud patterns merchants actually face. TL;DR Biometric authentication protects […]

Merchant statement review infographic showing effective rate, interchange qualification, fee inventory, and pricing commitment comparison. Brooklyn Merchant Services: A Face-to-Face Guide
Read MoreBrooklyn Merchant Services: A Face-to-Face Guide

How local payment partnerships turn fee disputes into resolved conversations instead of ignored tickets Learn how to evaluate Brooklyn merchant services partners based on accountability, not just features. This guide walks eCommerce operators through face-to-face cost reviews and shows how geographic proximity transforms fee dispute resolution. TL;DR Accountability beats availability – 24/7 support lines don’t […]

Portrait of Joseph Camberato, Founder and CEO of National Business Capital, featured in a BAMS interview about choosing the right growth capital, cash flow financing, and funding strategies for established businesses. A Conversation with Joseph Camberato, Founder and CEO of National Business Capital
Read MoreA Conversation with Joseph Camberato, Founder and CEO of National Business Capital

We caught up with Joseph Camberato, Founder and CEO of National Business Capital, to talk about how established businesses can make smarter capital decisions when a growth opportunity is right in front of them. National Business Capital is the leading advisor-led funding partner for established businesses seeking $250K or more in growth capital. With more […]

Level 2/3 Optimization: Audit Your B2B Interchange Level 2/3 Optimization: Audit Your B2B Interchange
Read MoreLevel 2/3 Optimization: Audit Your B2B Interchange

A step-by-step process to verify your processor is actually qualifying transactions at the rates they claim Learn how to pull transaction-level data, compare interchange qualification codes, and calculate the gap between what you’re paying and what you should be paying. Complete this hands-on audit in about two hours with just your statements and gateway logs. […]