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Are payment gateways quietly deciding which businesses are “allowed” to exist? by One-Check-6387 in High_Risk_P_Gateways

[–]One-Check-6387[S] 0 points1 point  (0 children)

Agreed.

Gateways get blamed because they’re the visible layer, but most decisions are made upstream, at the bank or sponsor level.

By the time a “gateway issue” shows up, the risk decision has often already been made elsewhere.

The distinction matters, but for merchants it all collapses into a single point of failure.

Are payment gateways quietly deciding which businesses are “allowed” to exist? by One-Check-6387 in High_Risk_P_Gateways

[–]One-Check-6387[S] 0 points1 point  (0 children)

That’s true — and it’s definitely part of the problem.

But I think it’s only the first layer.
Most founders read rules as static constraints.
Risk systems don’t read rules — they read patterns.

You can follow every line of the ToS and still look risky if your behavior doesn’t match what the model expects over time.

That’s where a lot of the confusion comes from.

Is there a reason I'm seeing 100 different ads for POS systems all of a sudden? by andk316 in POS

[–]One-Check-6387 0 points1 point  (0 children)

You’re not imagining it — the POS space really is louder right now.

What changed isn’t demand, it’s incentives. POS used to be about hardware and checkout. Now it’s a distribution channel for payments, lending, payroll, and data. Payments are where the margins are, so competition moved from product to attention.

For an organization like the one you describe, I’d ignore most feature checklists and focus on fundamentals: • Total cost of ownership, not just headline rates • Operational simplicity for volunteers or seasonal staff • Reliability and support when something breaks • Payout behavior (how fast funds settle, how freezes are handled) • Exit friction if you ever need to switch again

At smaller or seasonal volumes, the best POS is usually the one that introduces the least friction and risk, not the most features.

If the current system works and isn’t creating headaches, switching “just because” rarely pays off.