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BrianRoemmele's profile
Brian Roemmele
Brian Roemmele
Brian Roemmele
@BrianRoemmele

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Brian Roemmele

@BrianRoemmele

we can only see what we think is possible...

transcendence
VoiceFirst.expert
Joined January 2010

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    1. Logan‏ @collegeitdept 14 Nov 2014
      • Report Tweet
      Replying to @BrianRoemmele

      @BrianRoemmele calls asking for lower rates. Doesn't mean the banks will acquiesce

      4 replies 0 retweets 0 likes
    2. Brian Roemmele‏ @BrianRoemmele 14 Nov 2014
      • Report Tweet
      Replying to @collegeitdept

      @collegeitdept 2) To be fair, these entities take risk when cardholders do not pay or go bankrupt.

      1 reply 0 retweets 0 likes
    3. Logan‏ @collegeitdept 14 Nov 2014
      • Report Tweet
      Replying to @BrianRoemmele

      @BrianRoemmele so small merchants never pay? "Charge backs"?

      1 reply 0 retweets 0 likes
    4. Brian Roemmele‏ @BrianRoemmele 14 Nov 2014
      • Report Tweet
      Replying to @collegeitdept

      @collegeitdept The chargeback is always on any merchant but in retail it is not common because a card was present.

      1 reply 0 retweets 0 likes
    5. Logan‏ @collegeitdept 14 Nov 2014
      • Report Tweet
      Replying to @BrianRoemmele

      @BrianRoemmele oh! Yes. That makes sense. But if card not present IE: online on Amazon. If there's fraud Amazon pays?

      1 reply 0 retweets 0 likes
    6. Brian Roemmele‏ @BrianRoemmele 14 Nov 2014
      • Report Tweet
      Replying to @collegeitdept

      @collegeitdept yes, card not present is where to basic chargebacks form: 'Not what I ordered' or 'Card was stolen' merchant loses in both.

      1 reply 0 retweets 0 likes
    7. Logan‏ @collegeitdept 14 Nov 2014
      • Report Tweet
      Replying to @BrianRoemmele

      @BrianRoemmele so. If there's fraud on in-app purchases Apple covers the losses? Even if Apple Pay is nearly 99.9% fraud free?

      2 replies 0 retweets 0 likes
    8. Logan‏ @collegeitdept 14 Nov 2014
      • Report Tweet
      Replying to @collegeitdept

      @BrianRoemmele if merchants pay for the fraud for CNP transactions. Why is CNP rates higher? Shouldn't it be lower to none. No insurance

      1 reply 0 retweets 0 likes
    9. Brian Roemmele‏ @BrianRoemmele 14 Nov 2014
      • Report Tweet
      Replying to @collegeitdept

      @collegeitdept merchants that are CNP have more fraud to the Banks. They also go out of business and leave bank holding the chargebacks.

      1 reply 0 retweets 1 like
    10. Logan‏ @collegeitdept 14 Nov 2014
      • Report Tweet
      Replying to @BrianRoemmele

      @BrianRoemmele so technically then if Target gets CP rates. Why not CP rate on their in-app Apple Pay app?

      1 reply 0 retweets 0 likes
      Brian Roemmele‏ @BrianRoemmele 14 Nov 2014
      • Report Tweet
      Replying to @collegeitdept

      @collegeitdept ahh! This is the question! Apple is still debating with banks on this. I suspect a biometric Interchange for in-app lowered.

      1:25 PM - 14 Nov 2014
      • 1 Like
      • Logan
      1 reply 0 retweets 1 like
        1. New conversation
        2. Logan‏ @collegeitdept 14 Nov 2014
          • Report Tweet
          Replying to @BrianRoemmele

          @BrianRoemmele do you think Apple will win this debate/negotiation with the banks. Since technically they're right?

          2 replies 0 retweets 1 like
        3. Brian Roemmele‏ @BrianRoemmele 14 Nov 2014
          • Report Tweet
          Replying to @collegeitdept

          @collegeitdept I think it is 100% certain that Apple will drive a Biometric Interchange and it will be lower. The next year perhaps.

          1 reply 0 retweets 0 likes
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