Click & Convert with Maria Sparagis

Get your backup merchant account before Black Friday → click hereBlack Friday is your biggest sales day, and the day your payment processor is most likely to freeze your money. I'm Maria Sparagis, founder of DirectPayNet, and I've spent 20 years in payments and direct response. In this episode I share the story of a home goods store that went from $250K to $600K in November, then had Stripe hold 30% of it for months, and what I tell every client to do before the holidays.In this episode:• Why a sales spike looks like fraud to Stripe, Shopify Payments, PayPal and Square• What a backup merchant account is, and why a second Stripe account isn't one• How long approval takes, and what underwriters will ask you for• 4 steps to protect your Black Friday revenue before November 27My rule for every client: never have one processor._______About Maria: Maria Sparagis is the founder of DirectPayNet, which gets online and high-risk businesses approved for merchant accounts and backup merchant accounts.

Is Shopify Payments the same as Stripe? Not exactly.While Shopify Payments uses Stripe's payment infrastructure, there are important differences in fees, payout holds, account control, and payment processing flexibility that every Shopify merchant should understand.In this video, I break down the differences between Stripe and Shopify Payments, including how using multiple payment processors could help recover declined sales, why Shopify's additional transaction fees matter, and what happens when your payments are put on hold.Here's what I'll cover:- Shopify Payments vs. Stripe: Why having Shopify Payments isn't the same as having your own Stripe account.- Using two payment processors on Shopify: How eligible merchants may be able to recover declined transactions and reduce checkout disruptions.- Shopify's additional transaction fees: How using an outside processor could cost you an extra $1,000 per month on $100,000 in sales under Shopify's US Grow plan.- Payment holds and reserves: What happens when Shopify Payments or Stripe holds your funds, and who you need to contact.- Choosing the right payment processor: When Shopify Payments makes sense and when Stripe or a dedicated merchant account may offer greater flexibility.For established ecommerce businesses, choosing a payment processor isn't just about convenience.Your approval rates, transaction fees, and access to your funds can directly affect your profitability.**Need help reviewing your payment processing setup?**At DirectPayNet, we help established ecommerce and online businesses evaluate merchant accounts, payment processing costs, and alternative payment solutions.Visit: https://directpaynet.com/About Me I'm Maria Sparagis, founder of DirectPayNet. With over 20 years of experience in the payment processing industry, I share practical insights to help online business owners understand their payment options, avoid costly mistakes, and build more profitable businesses.Subscribe to Click & Convert for weekly insights on ecommerce payment processing, merchant accounts, chargebacks, and online business growth.#ShopifyPayments #Stripe #PaymentProcessing

Free trial customers signing up but not paying? Before you blame cancellations, check your payment setup. Some of those failed rebills may be declines you can fix.If you run an ecommerce or high-risk business and offer a free or discounted trial on digital or physical products, this episode covers three payment issues I’d investigate before spending another dollar on customer acquisition.In this episode: ✅ How your shopping cart may be sending trial payments and rebills to different processors, and why that can cause declines ✅ How your MCC (merchant category code) can affect rebill approvals, especially on higher-ticket subscriptions ✅ Why collecting a card at signup doesn’t mean you can charge it later, and how to still monetize customers whose cards fail verification ✅ The three numbers every subscription merchant should track to know if customers are leaving or you just can’t collectYou’ve already paid to acquire these customers. Sometimes the fastest way to grow isn’t more traffic. It’s fixing what happens when the trial ends.📌 About the show I help ecommerce and high-risk merchants understand the payment side of their business: merchant accounts, declines, chargebacks, subscription billing, and the processing details that quietly cost you money. Follow the show so you don’t miss an episode.👉 Having trouble converting trial customers into paying subscribers? Reach out at https://directpaynet.com/contact-us/ 🎥 Prefer to watch? This episode is also on YouTube: https://youtu.be/KqMKFXbC8HIThis episode is for educational purposes only and isn’t legal or financial advice. Speak with your processor or acquirer about your specific account.

Which online business bank account is best for your business?In this episode, I compare Mercury vs Slash vs Airwallex vs Novo, including their banking partners, features, and what ecommerce businesses need to consider before choosing one.But there's something most business banking reviews overlook: how your bank account affects your payment processing.Your payment processor doesn't just deposit sales into your bank account.It may also need to withdraw funds for processing fees, chargebacks, refunds, and other adjustments.If your online banking platform blocks those debits, you could face merchant account restrictions, additional fees, settlement problems or worse closure.With nearly 20 years of experience in payment processing, I explain the banking issues I've seen online merchants encounter, how ACH debit controls can cause problems, and what you can do to protect your business as it grows.👇 Need help with your payment processing? DirectPayNet helps ecommerce businesses improve payment approvals, reduce payment issues, and build payment systems that scale. 👉 https://directpaynet.com/contact-us/

Chargeback prevention starts before a customer disputes a payment. Learn how to prevent chargebacks, reduce dispute losses, and protect your ecommerce profits.A $200 chargeback can cost your business far more than $200. Between lost merchandise, advertising expenses, chargeback fees, and administrative costs, the financial impact adds up quickly.In this video, I explain three ways online businesses can reduce chargeback losses:✅ Prevent chargebacks with better fraud controls, recognizable billing descriptors, clear subscription terms, and customer communication.✅ Stop disputes early using Visa Order Insight, Consumer Clarity, Rapid Dispute Resolution (RDR), Ethoca alerts, and CDRN.✅ Fight chargebacks strategically by understanding when representment makes financial sense and when resolving a dispute is the better option.You'll also learn why chargeback ratios matter and how Visa's VAMP program can affect your payment processing account.Whether you use Shopify Payments, Stripe, or a traditional merchant account, these chargeback prevention strategies can help protect your revenue.💳 NEED HELP WITH CHARGEBACK PREVENTION? DirectPayNet helps online businesses manage chargebacks, implement dispute prevention tools, and find reliable payment processing solutions.👉 https://directpaynet.com/contact-us/RELATED VIDEOS▶️ Visa VAMP Explained: https://youtu.be/dVWFZq6Z0kw?si=HOtRJGQHyH9kIN9▶️ How to Fight Chargebacks: https://www.youtube.com/watch?v=oKUKO9ajoH4ABOUT MARIA SPARAGIS Maria Sparagis is the founder of DirectPayNet, a payment processing company helping ecommerce businesses navigate merchant accounts, fraud prevention, chargebacks, and payment challenges.Subscribe to Click & Convert for practical insights into ecommerce, payment processing, and growing an online business. #ChargebackPrevention #Chargebacks #Ecommerce

Scaling your Shopify store toward $1 million in revenue? Your payment processing setup may need to change before your sales do. As ecommerce volume grows, payment approval rates, routing, reserves, funding speed, fraud controls, and backup processing become increasingly important to the stability of your business. In this video, Maria Sparagis explains what Shopify store owners should review before reaching higher processing volumes, including why relying on a single payment setup can create unnecessary risk and what questions you should ask before your store reaches its next stage of growth. You'll learn about: - Shopify payment processing at higher sales volumes - Payment approval rates - Payment routing and redundancy - Reserve exposure - Funding and cash flow - Fraud controls - Backup payment processing - The real cost of changing your payment setup - What to review before your Shopify store reaches $1M+ If you're scaling an ecommerce business, your payment infrastructure needs to scale with it. ____________________________________________ 👇 Need help with your payment processing? DirectPayNet helps ecommerce businesses improve payment approvals, reduce payment issues, and build payment systems that scale. 👉 https://directpaynet.com/contact-us/

Most online business owners know how much revenue they're generating.Far fewer know how much money they're unnecessarily leaving on the table.After more than 20 years working behind the scenes in payments and ecommerce, I've seen profitable businesses overlook surprisingly small things that can add up to tens of thousands of dollars.In this episode, I'm breaking down some of the numbers, costs and decisions I look at when evaluating an established online business — including one number I think far too many business owners are paying attention to instead of the one that could matter more.You may be surprised where the profit is actually hiding.Chapters 00:00 03:31 06:08 08:39 #BusinessProfit #ProfitMargin #BusinessTips #Entrepreneur

In this episode, I compare Whop and Skool for online courses, coaching programs, communities and high-ticket offers. We look at the differences in features, pricing, transaction fees and payment processing — including what a $5,000 sale can cost on each platform.I also break down where Whop and Skool differ when it comes to international payments, financing, payment flexibility and what happens as your business and processing volume grow.If you're deciding between Whop vs Skool in 2026, this episode will help you understand the differences that matter beyond the basic feature list.In this episode:Whop vs Skool pricing and transaction feesCourses, coaching and community featuresThe cost of a $5,000 high-ticket saleInternational payments and financingPayment flexibility as you scaleThe risk of relying on one platform for your business and paymentsChapters:00:00 Whop vs SkoolXX:XX What Are Whop and Skool?XX:XX Whop vs Skool Pricing & FeesXX:XX Payments & High-Ticket SalesXX:XX The Risk of Relying on One PlatformXX:XX Whop or Skool: Which Is Right for Your Business?Need help with payment processing for your online business?Visit DirectPayNet to learn more about payment solutions for growing online businesses.About Click & Convert:Hosted by Maria Sparagis, Click & Convert covers payment processing, ecommerce and the strategies behind building and scaling an online business.

Shopify or WooCommerce—which is the better choice for your ecommerce business?Shopify offers an integrated, easy-to-manage ecommerce ecosystem, while WooCommerce gives you considerably more flexibility and control. But the differences become more important as your business grows.In this episode, I compare Shopify and WooCommerce from a business owner's perspective, including ease of use, customization, total operating costs and an area that's often overlooked: payments.I also explain why payment flexibility can become a financial decision at higher sales volumes, and what established ecommerce businesses should consider before deciding which platform makes the most sense as they scale. Learn more about DirectPayNet: https://directpaynet.com/contact-us/

Your ROAS might look great—but your business could still be leaving serious money on the table. The problem may have nothing to do with your ads or traffic. In this episode, I reveal an overlooked way to increase ROAS without increasing ad spend by focusing on what happens after the customer decides to buy. We’ll look at checkout optimization, payment declines, approval rates, fraud settings and payment methods that can quietly impact your eCommerce conversion rate and profitability. If you're spending money on ads to drive more traffic, make sure you're not losing the customers you've already paid to acquire.#ROAS #eCommerce #ConversionRateOptimization #DigitalMarketing #eCommerceMarketing ____________________________________________👇 Need help with your payment processing? DirectPayNet helps ecommerce businesses improve payment approvals, reduce payment issues, and build payment systems that scale.👉 https://directpaynet.com/contact-us/