Mentom Payments
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AUTHOR / OPERATOR

Dave
Wilson.

Chief Operating Officer, Mentom Payments

Payments can look simple from the checkout screen. The work behind that transaction rarely is.

Dave Wilson, Chief Operating Officer at Mentom Payments
Payments, unpacked from the operator's side.

OPERATOR PERSPECTIVE

How payments actually work behind the scenes.

Dave leads the systems and operating infrastructure connecting payment technology, merchant onboarding, underwriting, risk, compliance, support, automation, APIs, data, and partner operations.

With more than 15 years of experience building and scaling ISO and payment-facilitation programs, his perspective comes from where the commercial and operational sides of merchant acquiring meet.

The goal is not to make complicated subjects sound simple when they are not. It is to explain them clearly enough that merchants, agents, and other payments professionals understand what is actually happening and why.

AREAS DAVE WRITES ABOUT

Rules, risk, systems,
and the real-world operation.

01

Merchant Acquiring & Payment Operations

Authorization, clearing, settlement, merchant accounts, acquiring relationships, payment infrastructure, and the operational realities behind accepting payments.

02

Risk, Fraud & Disputes

VAMP, chargebacks, fraud monitoring, friendly fraud, transaction laundering, merchant monitoring, reserves, and risk mitigation.

03

Merchant Underwriting

Business-model risk, MCCs, processing history, reserves, MATCH, application readiness, and the factors acquiring teams evaluate.

04

Payments Technology

APIs, integrated payments, gateways, automation, tokenization, recurring payments, data, and the systems connecting merchants to the acquiring ecosystem.

05

Compliance & Payment Security

PCI DSS, card-brand requirements, stored credentials, payment security, and the difference between formal requirements and acquiring policy.

06

ISO & Agent Operations

Partner economics, residuals, portfolio growth, merchant attrition, risk responsibilities, and what makes an acquiring relationship work.

PAYMENTS, UNPACKED.

Articles by Dave

Primary-source research with the operating context that program guides rarely provide.