Michael Sperber

Managing Partner at Acella Financial LLC, and Director Of Marketing And Development at ICS FRAUDefender

Miami, Florida, United States

About

With a long history of experience in the online transaction processing business; I, along with my partners, have put together a vast array of solutions, contacts, and knowledge to create a complete consulting asset for online merchants, banks and processors.

Experience

  • Director Of Marketing And Development at ICS FRAUDefender
    Apr 2019 - Present · 7 yrs 4 mos

    ISC FRAUDefender is one of only a few Certified Visa Merchant Purchase Inquiry (VMPI) Facilitators that actually connect directly to the Visa Resolve Online system. Basically it's a system that all issuing and acquiring banks will have to connect to by the end of 2022. Currently over 90 to 95% of issuing program banks are currently connected, and by the end of 2022 it will be mandatory for all VISA merchants, processors and acquirers. This also includes the RDR and CDRN chargeback elimination systems as well. This system monitors inquiries that occur POST transaction. When a customer issues an inquiry regarding a specific transaction or transactions, and while still on the telephone with a customer support representative at their issuing bank, there is a 10 second window that Visa allows, during which the existence of the transaction is confirmed and a resolution can be declared in real time. The alert, confirmation, and resolution is routed directly through VISAnet via the FRAUDdefender system. The response for high chargeback merchants will typically always be that the merchant is initiating a credit (refund). All of this occurs within a window of 10 seconds after a customer inquiry, disputes will be resolved in real time, rather than the typical pattern where chargebacks show up at the acquirer 3 weeks after the customer makes a dispute. This drastically reduces chargebacks, directly through this Visa initiated system.

  • Managing Partner at Acella Financial LLC
    May 2010 - Present · 16 yrs 3 mos

    Acella Financial, LLC is dedicated to offering banks and financial institutions worldwide the technology, knowledge, and experience needed in order to fully access the full range of opportunities available in the processing of payments in the onlineenvironment.  We utilize a large network built up over years of experience to bring all of the pieces necessary for an acquiring institution to process online payments, both maximizing returns while minimizing risk. Our service covers all aspects related to transaction processing, from payment gateway technologies to merchant acquiring, fraud scrubbing, risk management and compliance procedures, as well as subsequent marketing of the banks platform to the correct merchant demographics.

  • Director of American Operations Euro Payment Group America Inc at Euro Payment Group gmbh
    Jul 2011 - Dec 2013 · 2 yrs 6 mos

    Euro Payment Group is an independent payment service provider that offers a wide range of payment processing services. If you are in need of setting up an international merchant account with a European corporation or if you are looking for an aggregated IPSP Account for Visa and MasterCard processing then EPG has the right solution for you. Our PCI-compliant payment gateway and sophisticated risk management tools make the basis for secure online payment transactions, alternative payment solutions, direct debit and international merchant accounts.

  • President at Astral Group Inc
    Apr 2005 - Nov 2011 · 6 yrs 8 mos

    Astral Group Inc is an e-commerce consulting company providing solutions for all online merchants, including "High Risk" online merchants. We represent US, EU and Asian based merchant account solutions, ACH processers, gateway, site management, and "Alternative" billing solutions. www.astralgrouponline.com We are also partnered with T3report.com. T3 report is marketing intelligence that allows you to find out where other site get their traffic. Reports on competitive URLs will show you who their affiliates are, which ones are tending to send the most traffic, and will even show where those affiliates are getting THEIR traffic. You can see what other sites those affiliates are sending out traffic to, so that you can analyze their traffic. You can look at the exact webpages where the links are located, etc... Since we do not rely on alexa data, you can drill through the large affiliate networks and see all of the linking domain relationships.

  • Consulting Partner at International Processing Solution
    Apr 2010 - Jun 2011 · 1 yr 3 mos