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PODCAST

Uncensored Direct Marketing

Hosted by Maria Sparagis, president of DirectPayNet, and payment solutions expert for entrepreneurs in the high risk industries of supplements, dating, business opportunities, gambling and more. On this podcast, Maria shares her knowledge on how to reduce decline ratios, add thousands of dollars to your bottom line with a few simple conversion hacks, and maximize revenue while keeping your high-risk merchant accounts happy and healthy. As a cryptocurrency advocate since 2012, Maria will also share

business marketing

All Episodes

18:17

Discover Is Now Capital One's Secret Weapon

Uncensored Direct Marketing ·

2025/05/09

In this episode my media guy Alex and I dive deep into the implications of Capital One's recent acquisition of Discover. We get into how this major shakeup could affect business owners who accept Discover cards, including potential changes to processing fees, merchant account structures, and overall payment dynamics.There are parallels to Amex's OptBlue program, which might show how Capital One aims to streamline Discover's merchant onboarding process—potentially increasing costs but also making the

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19:01

Visa's New 2025 Rules That Might Destroy Your Sales

Uncensored Direct Marketing ·

2025/05/01

🚨 Visa’s New Chargeback Rules Could Shut You Down – Are You Ready? 🚨Visa is flipping the script on chargebacks—and if you're an online business owner, this affects you. I'm breaking down the new VAMP (Visa Acquirer Monitoring Program) regulations that are already live in Europe and heading to North America.From stricter chargeback thresholds (dropping to 0.9% in 2026) to new penalties for merchants who ignore card testing fraud, Visa's changes are tightening the noose on risky behavior. Even if

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08:57

Stripe's New License and How It Affects Your Business

Uncensored Direct Marketing ·

2025/04/25

Stripe has officially applied for a Money Transmitter (MALPB) license in Georgia. It's a move that will change what we know about Stripe in payment processing...at least in the U.S.But what does this really mean for your business?In this episode, I, Maria Sparagis, payment processing expert and founder of Direct Payment, break down the real implications of Stripe becoming its own payment processor.From bypassing big banks like Wells Fargo and Barclays to potential changes in who Stripe approves (or

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15:42

9 Ways to Optimize Your Mobile Checkout Page

Uncensored Direct Marketing ·

2025/04/19

Your mobile checkout page NEEDS to be optimized. Mobile is rocketing past desktop for sales, which means more people are tapping around on your mobile site than ever before. If you've left your mobile checkout page unchecked, you're LOSING MONEY.In this video, I'm covering 9 ways you can optimize your mobile checkout to secure sales and bump your bottom line.Need a merchant account? Get in touch! ➡️ directpaynet.com/contact-us0:00 Intro1:08 Mobile Checkout Stats2:10 #13:05 #23:43 #34:28 #45:30

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21:10

Forcing Stripe Radar to Work for Your Business

Uncensored Direct Marketing ·

2025/04/10

Stripe Radar is the built-in fraud tool Stripe offers directly through the dashboard. But if you leave this tool unconfigured, you'll either block valid payments or accept fraudulent ones. So here's how you can tweak Stripe Radar to fit your business better and convert more sales, no matter what region you're in.Need a merchant account? Get in touch! ➡️ directpaynet.com/contact-us0:00 Intro1:15 Stripe Radar Flags4:41 Business Impact5:53 How It Works11:46 Configuring Stripe Radar20:48 Outro

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10:26

Monthly Subscriptions vs Lifetime Access

Uncensored Direct Marketing ·

2025/03/11

Monthly subscriptions are a more sustainable choice for businesses. Not only do customers like them more for various reasons like lower price points, but they help lower your risk profile.Lifetime access sounds appealing—having accessing for an entire lifetime. But that is also the catch. You have to support that product for a lifetime, and if you don't then those customers will win a chargeback suit against you.If you're still interested in selling lifetime access, I've got a few tips for you in

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11:55

Square closed your account? Steps to reactive your...

Uncensored Direct Marketing ·

2025/03/04

What to do when Square closes your account and you can't accept payments.Just like with Stripe or PayPal or Shopify Payments, Square is keen on shutting down any account that has the slightest tinge of risk. If this happens to you, immediately open a backup account—but don't stop there. That acount is just for 10% of your transactions and to tide you over while you open a real merchant account.Don't fall into the Square payments trap. If it's too easy to sign up and too good to be true, then

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19:12

Master the Upsell, Triple Your Profits

Uncensored Direct Marketing ·

2025/02/04

You've been upselling wrong this whole time. Here's how to do it the RIGHT WAY. And for when the upsell doesn't hit or your customer simply can't afford, I've thrown in a few alternatives for you like downselling and affiliate offers.Need a merchant account? Get in touch! ➡️ directpaynet.com/contact-us0:00 Intro0:55 What Is an Upsell?1:48 How to Upsell14:22 Downselling18:59 Outro

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09:06

Did you know this about Shopify?

Uncensored Direct Marketing ·

2025/01/29

Shopify Payments, the gateway and processor that Shopify uses and AGGRESSIVELY pushes you to use is actually powered by...Stripe! So if you're not able to use Stripe, then you're also not able to use Shopify Payments and vice versa.But luckily, I have some great alternatives for those of you who still want to use Shopify's platform without Shopify Payments.Need a merchant account? Get in touch! ➡️ directpaynet.com/contact-us0:00 Intro0:33 Shopify v Shopify Payments1:52 What is Shopify Payments?2:47

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44:54

A Guide to Building Wealth as a Business with Jason...

Uncensored Direct Marketing ·

2025/01/22

Need a merchant account? Get in touch! ➡️ directpaynet.com/contact-usJason Schappert has been an entrepreneur his entire life and is here to share the ins and outs of building wealth as a business owner. One of the greatest pieces of advice he gives is to PAY YOURSELF FIRST. Listen and watch as he dives into how to invest, what to invest in, how to pay yourself, and taking your business to the next level.Get in touch with

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09:44

Recovery for Missing or Inaccessible Stripe Accounts

Uncensored Direct Marketing ·

2025/01/14

Need a merchant account? Get in touch! ➡️ directpaynet.com/contact-usIf your Stripe account has disappeared or you can't access it, here's how to recover.Stripe Account TERMINATED: https://youtu.be/L6075XCHvOw0:00 Intro0:25 Why Your Account Disappeared1:05 #1 Forgotten Email or Password2:05 #2 Stripe Account Terminated3:02 #3 Accidental Deletion6:19 Following Through7:55 Securing Your Stripe Account9:36 Outro

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16:02

Stripe Alternatives to Save and Protect Your Business

Uncensored Direct Marketing ·

2025/01/07

The best Stripe alternative for your business really depends on what you sell and where you sell. Stripe won't accept a ton of risk, so returns and chargebacks can literally destroy your business. PayPal, Square, and Shopify Payments act the same. While there is a place for any of these payment services, there are also much safer options to keep your store running no matter what happens.Need a merchant account? Get in touch! ➡️ directpaynet.com/contact-us0:00 Intro0:47 Why You Need an

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12:09

You CAN PROFIT from Insufficient Funds Errors—Here's How

Uncensored Direct Marketing ·

2024/12/19

Need a merchant account? Get in touch! ➡️ directpaynet.com/contact-usInsufficient funds, error code 51 in your payment gateway, doesn't have to the end of that customer's journey. Aside from the obvious, here's what insufficient funds can mean and 4 ways to save the sale and profit from these customers.0:00 Intro0:47 Insufficient Fund Declines1:36 Why Insufficient Funds Happen3:53 Strategies to Save the Sale5:30 #1 More Payment Modes7:02 #2 BNPL7:51 #3 Installments9:48 #4 Low-Cost Offer11:17 OutroDO

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15:36

How to Write a Killer Contract

Uncensored Direct Marketing ·

2024/12/09

A contract will save you from declines, refunds, and chargebacks. Here's what you need to include in yours:1. Service Timeline2. What's Included in Your Service3. Pricing4. Refund Policy5. Payment Terms6. Confidentiality Agreement7. Cancelation Policy8. Customer Specifications9. Jurisdiction0:00 Intro0:40 High Ticket Products1:20 Declined Transactions4:21 How to Make a Contract14:24 OutroNeed a merchant account? Get in touch! ➡️ directpaynet.com/contact-us

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16:12

Why You're on MATCH and How to Get Off

Uncensored Direct Marketing ·

2024/11/25

What is the MATCH list? Or the TMF? How did you get on it in the first place, and how do you get off? I answer all these questions right here so you can continue running your business as low-risk as possible.Need a merchant account? Get in touch! ➡️ directpaynet.com/contact-us

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12:00

The Genius Black Friday Marketing Strategy You Aren't...

Uncensored Direct Marketing ·

2024/11/18

Black Friday Cyber Monday is almost here, and I've got the PERFECT BFCM strategy for you.You also may not realize this, but Black Friday is a GOLDMINE of customer data. It's honestly more valuable to gather this data than to make a one-time sale. Let's get into it.Liss Graham Email Strategy: https://youtu.be/KnC8-bM4DecNeed a merchant account? Get in touch! ➡️ directpaynet.com/contact-us0:00 Intro0:45 Chargeback-proofing Sales3:30 One-Time Payment Products4:45 Customer Data6:39 Subscriptions7:41

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20:36

FTC Click-to-Cancel Q&A - Creating a Cancelation Funnel

Uncensored Direct Marketing ·

2024/11/11

Click to Cancel doesn't have to be the downfall of your business. The FTC's new rule is aimed at protecting consumers, but also offers businesses a new type of sales funnel.Cancellations can be a sales funnel. Don't let customers off the hook so easily, but don't force them to stay on. Finding the balance is key.Need a merchant account? Get in touch! ➡️ directpaynet.com/contact-us0:00 Intro0:58 Click-to-Cancel2:10 Negative Options2:49 Opt-Outs4:45 Why the FTC?6:44 Amazon and Adobe8:27 Cancellation

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31:04

Q&A Stripe Holding Funds, How to Save Your Business

Uncensored Direct Marketing ·

2024/11/04

Today, I'm speaking with someone who knows the business well and has worked with me for quite some time. Together, we're answering the more common questions we get about Stripe, reserves, backups, and essentially how to continue accepting payments when your Stripe account freezes over.0:00 Intro2:30 Low Chargebacks, Funds Held – Why?4:22 Chargeback Ratio Safety Zone7:09 How to Accept Payments10:52 Solid Backup Processor13:00 Will Shopify Close Your Store?14:50 Stripe Reserves17:39 Frozen Stripe

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07:17

Authorize.net on Shopify, a Top Gateway Alternative

Uncensored Direct Marketing ·

2024/10/21

Authorize.net is one of the best and most versatile payment gateways for any online business. Here's why you should use it and how to connect it to your Shopify account.Need a merchant account? Get in touch! ➡️ directpaynet.com/contact-us0:00 Intro00:34 What Is Authorize.net1:52 Getting an Account3:41 Connecting to Shopify6:50 Outro

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15:05

How to Boost Checkout Conversions

Uncensored Direct Marketing ·

2024/10/16

Not converting at checkout, or even before? Here's what might be going on and how to solve it.Checkout conversions are the make-or-break moment for your business. Without sales, you're toast. Understanding why customers drop off and where they drop off is a key factor in improving not only your checkout flow but also your product and your business.0:00 Intro00:47 How to Increase Conversions02:31 A Winning Checkout Page4:32 Understanding Your Declines7:20 Biggest Decline Reasons14:28 Outro✓ Need a

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