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XRP Price: At $0.62 with 2.1% Gains as Ripple Secures Key Partnerships and Enhances Scalability

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The native token of the Ripple network, called XRP, is striking the headlines today as it shows good footing in a recovering cryptocurrency market. The XRP is also known to be focused on cross-border payments and real-time settlements, which have been popular with institutions that have been seeking efficient solutions to traditional finance.

Investors are optimistic because of new partnerships and new technologies that are emerging as a result of fresh developments. Focusing on speed and low costs, XRP remains a major player in the worldwide remittances and business blockchain applications, with both retail and professional traders interested.

XRP Price Today: Trading at $0.62 with Solid Daily Gains

XRP is valued currently at $0.62, which is an increase of 2.1% in the last 24 hours. The token has been on an upward trend, with new levels of resistance being overcome as the trading has increased.

The volume has exceeded 2.5 billion on a daily basis, which shows that there is strong interest amongst the players on the major exchanges. The market capitalisation has reached about 35 billion and portrays the continued relevance of XRP in the digital asset market.

The price move is the result of a short-term consolidation when XRP appeared to be supported at the $0.60 level. Buyers have taken the upper hand and pushed the token up on good news. The rally is subject to greater market gains, although XRP is performing better than others, indicating that there are certain catalysts involved.

The technical indicators depict positive trends with the moving averages following the positive trends to possible further future advances. The traders will be expecting a prolonged move above $0.65, which will possibly open more targets in the short run.

Ripple Enters Into Milestonic Collaboration with Asian Giant Bank

Most importantly, in a major breakthrough for the ecosystem, Ripple has declared a strategic partnership with one of the largest banks in Asia to incorporate XRP in international transfers.

This partnership will facilitate the process of remittances between significant markets with the help of the on-demand liquidity option of RippleNet. With XRP being a bridge currency, the alliance will result in quicker settlements and less expense than systems in the past, such as SWIFT.

The transaction is likely to handle billions of dollars every year, which will be a first of its kind in the use of XRP in real-life applications. Transaction times have already decreased to just seconds, and fees are reduced to just fractions of a cent by early pilots.

This will be a welcome measure as the Asian economic blocs are more focused on digital innovation, and the technology offered by Ripple fits the regional needs of efficient cross-border flows perfectly. This has been perceived by industry observers as a testament to the usefulness of XRP, which could lead to more of such tie-ups elsewhere.

Juridical Trust Improves XRP Investor Trust

After years of regulatory challenges, Ripple has attained another positive result in its pending court cases. Recent legal action made it clear that sales in the secondary market of XRP are not securities, and offered exchanges and holders the much-needed confidence. This move has eased the fears, which earlier burdened the token, regarding the price and liquidity.

The decision opens the door to XRP relisting on platforms that had blocked XRP due to uncertainties. Some of the big exchanges have already indicated that they intend to start trading pairs, which might improve accessibility and volume.

This is an essential clarity in terms of blockchain innovation, as noted by Ripple’s legal team. As the case appears to be approaching a close, many think that XRP will be able to recover, with the burden of litigation risks removed.

Upgrade of XRP Ledger Improves Scalability and Security

The XRP Ledger has released a significant upgrade this time and has added new features to enhance performance and resilience. Improvements to address higher throughput would include automated market makers to decentralized exchanges and better consensus mechanisms to address higher throughput. These modifications are in response to increasing pressures on the part of DeFi applications and NFT applications based on the ledger.

The upgrade increases transaction capacity to more than 1,500 per second whilst being energy-efficient, which is one of the differences as compared to networks that consume more resources. The developers are enthusiastic about the new tools that allow more complex smart contracts without sacrificing speed.

Together with the emphasis of Ripple on interoperability, this makes XRP a flexible resource in new Web3 economies. The testing nets have received a positive user response, and more are expected to be adopted in the gaming arena and tokenised assets.

Institutional Interest Surges with New XRP Funds

The inflows in the XRP-related products by institutions are increasing in speed as various new investment vehicles are being invested in. One of the largest asset managers has also launched an exchange-traded note, which tracks the price changes of XRP and gives regulated exposure to the price changes of the token. The product is aimed at professional investors who want to diversify in crypto portfolios.

Also, hedge funds have recorded larger investments in XRP on the basis of its prospects in payment systems. On-chain data indicate that there are massive transfers to the custody wallets, indicating stockpiling by the major players.

The trend is the opposite of volatility in other coins that are dependent on retail, which demonstrates the attractiveness of XRP to long-term investors. Liquidity will increase as additional capital flows into the space, and allow more prices to be discovered.

Localised Programmes are the Boosters of XRP

The XRP community is still going on, with grassroots initiatives to grow the ecosystem. New projects, such as XRP-based micropayment systems that enable content creators and supply chain tracking solutions, have been created in recent hackathons. These projects use the low fees of the ledger to facilitate micro-transactions that are not economical in other networks.

The grant program of Ripple has financed a number of startups, which have created a thriving developer ecosystem. These developments have received a lot of buzz on social media, and this has made them more visible, attracting new users. The resilience of the community despite the changes that it has experienced in the past has remained a source of organic growth and promotion of the real-life use of XRP.

XRP Outlook: Analysts Predict Climb to $1.00 Milestone

In the future, the market pundits are optimistic about the outlook of XRP; the speculation will see the currency hitting the 1.00 mark in the near term. The new partnerships, legal wins, and technical upgrades are considered catalysts, and they reinforce the fundamentals of the token. XRP has a focus on utility instead of speculation, which in a developing crypto market may result in the long-term appreciation of the currency.

Ripple has a compliance-centred approach that eliminates potential headwinds, including regulatory changes in other jurisdictions. With the growing volume of payments worldwide, XRP will have a solid chance of experiencing a higher demand for effective solutions. The fact that the token is integrated into the fintech stacks further establishes itself in the digital economy.

As the events occur, the XRP ecosystem awaits further news that might boost the movement. Having a history of innovation and flexibility, XRP can be a relatively attractive choice to those who want to bet on the future of borderless finance. Combining speed, cost-effectiveness and institutional support, it is an excellent and unique product in the saturated crypto arena, with its future even more promising.

Monero (XMR) Price Jumps 15.6% Today: Privacy Coin Defies Crypto Market Slump on November 24, 2025

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Monero (XMR) took the centre stage in the unstable world of cryptocurrencies on November 24, 2025, with a phenomenal increase in its price that could be indicative of its permanence in the privacy-based marketplace.

With the wider market struggling with regulatory challenges and macroeconomic insecurities, Monero still focuses on anonymity, which is attracting investors who are opting to avoid opposition to the surveillance-infested financial systems. The current boom is a response to a wider revival of interest in privacy coins, which makes XMR one of the players in the current discourse on the right to privacy in the digital realm.

Price Surge Resists Market Turbulence

The price of Monero has been on a sharp increase today, to around 397 per token, a whopping 15.6% improvement over the last 24 hours. This surge is in a turbulent season of the cryptocurrency market, with key currencies such as Bitcoin and Ethereum experiencing a decrease because of world economies.

XMR trading has also surged, with more than $197 million in the past day, which is an indicator of increased trader activity and confidence. Analysts are crediting this trend to expanding retail enthusiasm, where the debate on social media reveals the strong privacy aspects of Monero as a safe haven against the escalating regulatory pressure.

At the beginning of the month, XMR shot up, and in the process, it experienced a recoil after hitting a high of $460 and was under bearish pressure on important levels of resistance.

Nevertheless, the current recovery indicates a possible change, as the coin is performing better than the rest of the world market, which is decreasing by 8.1% within the week. The category of privacy tokens has proven to be resilient, as they have grown when shielded transactions are surging in adoption.

The current market capitalisation of Monero is more than 7,318,000,000, which, if fixed, makes it the 18th largest cryptocurrency by market capitalisation. The traders are monitoring the support at around 400 and the resistance at 440, and the volatile moves are reflecting on a highly dynamic sentiment.

Hard Fork Strengthens The Network Security

One of the reasons why positive momentum is present nowadays is the new introduction of the Fluorine Fermi hard fork, which has enhanced the privacy and security measures of Monero. This upgrade was implemented earlier in the year, and it makes it more resistant to the threat of surveillance as well as raises the overall network efficiency.

Through CryptoNote protocol improvement, the fork makes sure that transactions are secure, private and untraceable, and this is part of the primary mission of Monero since its inception in 2014.

The update also addresses the current fear of centralising the mining industry, with projects such as Qubic trying to take over hashrate, which has been highly controversial in the community. This has been countered with protocol modifications to prevent such risks, preserving the decentralised spirit that Monero is known for in comparison to more transparent blockchains.

This technological innovation has been embraced, and it has added to the performance of the coin relative to smart contract platforms, which are currently performing below the coin, having gone down 10.6% in the same period.

New Competitors Threaten the Leadership of Monero

Although Monero is reaping the benefits of the current day, the privacy coin market is becoming crowded with new players. November 12, Soverium was a quantum-resistant challenger based on the heritage of Monero and is a mobile-first platform with 650 to 1000 transactions per second.

Soverium, complete with no-KYC onboarding via its ParadoxChat application and a token burn system, is a privacy solution of the future. This is considered a neutral development for Monero but points to the changing competition in the space.

At the same time, rivals such as Zcash have been soaring, with ZEC gaining 720%, a 741% rise since the month of September. Nevertheless, Monero maintains its advantage by ensuring privacy, which in competitors is optional.

The discussions on platforms such as X around the superiority of Monero in the wallet-level anonymity highlight the advantages of peer-to-peer purchases through services such as Openmonero, so users do not have to comply with the KYC. There are debates on delistings, as Monero loses exchange listing and Zcash gains new ones on OKX, and this begs the question of regulatory biases.

Regulatory Crackdown Looms Over Privacy Coins

The current rally happens in the context of increased compliance activities on transactions anonymous in the world. Privacy coins such as Monero, Zcash, and Dash are questioned due to their attractiveness among users who do not want to be monitored, both anti-establishment activists and common privacy-seekers.

The governments of the world are getting stricter, considering the untraceable assets as the possible facilitators of criminal acts, yet their advocates believe that they guard the essential rights.

However, there is no doubt that the fundamentals of Monero are sound. It has a proof-of-work algorithm named RandomX, which ensures the security of transactions, and there is a fixed supply of more than 18.4 million coins in circulation. Volatility and regulatory risks are warned against by investors, yet the coin has the utility of offering fungible and private payments, which makes it long-term revenue-generating.

Outlook: Still Bullish In Future

In the future, market analysts predict that Monero will keep gaining. The end of 2025 forecasts indicate that XMR will be trading at about 756 dollars due to the adoption and privacy requests.

By 2028, the projections have increased by 1,571, and the year 2031 may increase by 3,602. Such optimistic opinions are supported by the fact that Monero is doing much better than Bitcoin this year, not to mention that Bitcoin treasury companies show interest.

X has ambivalent but vociferous community feelings, with users debating the place of Monero in a privatised future. Monero is primarily concerned with transactional privacy, evidenced by comparisons to the new technologies such as Aztec of private execution and Namada of asset movement.

With the crypto economy changing, the adherence of Monero to decentralisation and anonymity will only grow, provided that the market recovery at large corresponds to the requirements of privacy activism.

To recap it all, November 24, 2025, will be a day of significance to Monero, as it will be a mixture of price appreciation and strategic growth, as well as competition. The privacy-first business strategy of XMR continues to be a beacon in a highly transparent digital world as investors navigate this landscape, offering the prospects and challenges to come.

Ethereum Price Today November 24, 2025: ETH Up 0.76% to $2,841 with New Perpetual Futures and Scalability Boosts Incoming

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On the day of November 24, 2025, Ethereum remains the focus of the cryptocurrency market as its price remains stable above key levels of support, as more institutional products are released and more people are thrilled by the prospect of network upgrades.

The most significant smart contract platform in the world has proven to be incredibly resilient as it has recovered after recent declines, with the rest of the market recovering. These occurrences are being keenly followed by the investors, and this is an indication of a possible reversal of the negative trend of the past few weeks, to renewed upward momentum in the coming weeks.

Ethereum Price Today November 24, 2025: ETH Trades at $2,841 with Modest Daily Gains

Ethereum is traded at $2,841, which is 0.76% higher than in the last 24 hours. The cryptocurrency has been able to protect the important mark of 2,800 after it temporarily fell below it earlier in the week. The trading is still vigorous with a 24-hour volume of more than 23 billion, indicating the involvement of traders all over the world. Its capitalisation is an amazing 343 billion, and it is an indicator of the leading role of Ethereum in the sector.

It is a stabilisation following a foundation of pressure that brought the price to as low as $2,780 due to liquidity fears. Nonetheless, buyers intervened forcefully and ETH reverted to the positive side.

The recovery is in line with an overall crypto market recovery, in which risk appetite has come back after indications of positive economic news. The recent price activity is considered by many as an active consolidation process and the stage leading to a possible breakout, provided that favourable conditions remain.

Singapore Exchange Launches Ethereum Perpetual Futures Today

An important development that is happening currently is the introduction of Ethereum perpetual futures into the Singapore Exchange. This regulated derivative provides institutional investors with a transparent means of being exposed to the motion of ETH without the complications of owning it directly. The traditional financial protection added to the crypto innovation is expected to bring in a substantial amount of new money to the ecosystem.

The perpetual futures contracts utilise set benchmarks, and the prices are reliable and have less risk. The move underscores the increased involvement of digital assets in mainstream finance, which offers professional traders products that have been hitherto restricted to offshore offerings. There are initial signs of high interest that would help Ethereum to gain liquidity and a more stable price discovery over the short run.

Ethereum Whales Accumulate Millions Amid ETF Outflows

Although there have been significant outflows of Ethereum exchange-traded funds in the recent past, large-scale players referred to as whales have been acquiring the dip. Purchases of more than 59 million in the ETH have been reported, which proves that people believe in the future value of the asset. This buildup is in the face of certain institutional products undergoing some redemptions in the short term, which brings about an interesting market dynamics contrast.

Whales do not seem to be bothered by the temporary liquidity issues, considering the existing prices as a good point of entry. Exchange reserves have gone down to multi-year lows and further tighten supply, thus positioning it to push up. This action by the large holders usually is a precursor to long-term expansion, because it absorbs selling pressure and provides a firmer foundation for future rallies.

Upgrade Hype Builds in Fusaka Upgrade Before December

There is an increasing anticipation that the Fusaka upgrade to be completed in the early part of December 2025. This much-needed update will be a great enhancement in data capacity to layer-2 networks, thus improving the scalability and lowering costs to the users. The upgrade can solve major bottlenecks that have affected the performance during the high-demand conditions, by optimising the space of the blobs as well as the introduction of PeerDAS technology.

The enhancements are regarded as the essential part of sustaining the competitive advantage of Ethereum in decentralised finance and other solutions. Both developers and users are excited about what a faster transaction and reduced fees might mean in terms of growing the usage of the ecosystem. Together with the larger roadmap that entails the single-slot finality next year, these improvements support the idea of Ethereum evolving.

Devcon 8 Heads to Mumbai in 2026, Highlighting Global Growth

This is expected to change as the Ethereum Foundation has declared that Devcon 8, the main community conference, will be held in Mumbai, India, in the year 2026. This move highlights the growing power of Ethereum in new markets, where developers and users are growing massively. Certainly, the event offers to gather thousands of builders, innovators, and enthusiasts to cooperate on the future of the network.

Devcon will be hosted in Mumbai, and this is likely to hasten the local talent development and new projects based on regional requirements. Previous conferences have brought significant progress, and this one may be a significant one in determining the future of Ethereum as more people worldwide show interest in blockchain technology.

The Ethereum Strengthens Institutional Growth

To further consolidate its institutional presence, products related to Ethereum are being launched on platforms. Recent entries are also the 24/7 trading of ETH derivatives, and participation by professional investors is now more accessible all day and all night. These advancements are in addition to the rising range of financial products associated with the asset, such as ETFs and lending procedures.

The flow of controlled products is attracting the old money players into the field, offering additional avenues of allocating capital. The ability to have a diversified source of demand aids in counteracting volatility and promoting consistent growth because Ethereum has fewer barriers to entry.

Ethereum Outlook: Analysts Eye $3,900 Target by Month-End

Going ahead, the business analysts are still optimistic regarding the future of Ethereum. Most of them are trending towards a 3900 at the end of November due to the impending upgrade, introduction of new derivatives and even the possibility of macroeconomic tailwinds such as interest rate changes. Projections indicate that even beyond the year-end, the project will help to increase it even further, with some predicting that Ethereum will open new all-time highs within the next year.

The growth has a powerful storyline with technical advancement, supporting the whales as well as the institutional momentum. Although the crypto market is prone to short-term volatility, the fundamentals seem to be strong. The use of Ethereum in the decentralisation and non-fungible token and Web3 development is crucial to guarantee its relevance, compelling constant investment and development.

The cryptocurrency community is now awaiting any further indication as the day goes by, through the launch of futures today and any other whale activity. As one of the established catalysts, Ethereum has all the chances to spearhead the next wave of blockchain development, with opportunities available on either end of the spectrum.

The adaptable and innovative nature of the platform remains a point of differentiation, and it remains a point of focus for every individual who would desire to know the future of digital finance.

ESTO Increases Multitude Bank Credit Line to EUR 25 Million with Term Extended to 2028

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ESTO Group (ESTO Holdings OU), Estonia’s foremost non-bank consumer credit provider, has expanded its committed credit facility with Multitude Bank to EUR 25 million and secured an extended maturity date running to December 2028.

The revised arrangement builds on the previous EUR 20 million facility, which comprised several tranches maturing by the end of 2025. In addition to a higher commitment and a longer duration, both parties have agreed improved commercial terms that deliver more favourable pricing, greater covenant flexibility, and enhanced structural conditions. These adjustments underscore ESTO’s robust credit standing and the continued strength of its consumer lending portfolio.

Mikk Metsa, Founder and CEO of ESTO, commented:
“Our strengthened partnership with Multitude Bank marks a significant milestone in ESTO’s growth trajectory. As our largest creditor and strategic partner, Multitude Bank’s continued support throughout our four-year partnership reaffirms their confidence in our business model and long-term vision. This cooperation not only enhances our financial flexibility but also boosts the foundation for value creation for all stakeholders. We look forward to building on this collaboration as we expand our presence in ESTO’s core markets.”

Alain Nydegger, CEO of Wholesale Banking at Multitude, said:
“We are pleased to have successfully completed this refinancing, which reinforces our confidence in ESTO’s business model and long-term potential. This transaction allows us to continue supporting ESTO on its growth journey and further strengthen our partnership.”

The secured facility remains available to underpin further loan portfolio development across ESTO’s operating markets, bolstering the company’s balance sheet and creating additional capacity for growth. ESTO Holdings received legal counsel from Eversheds Sutherland and financial advisory support from VLG Advisors.

GSMA Warns 6G Networks Will Require Vast Increase in Mid-Band Spectrum

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Governments will need to act swiftly to prevent future spectrum shortages as 6G networks emerge, according to a new GSMA report that forecasts a substantial surge in demand for mobile bandwidth.

The GSMA, which represents the global mobile ecosystem, has released fresh analysis indicating that next-generation 6G systems will require up to three times more mid-band spectrum than is generally available today. The additional capacity will be essential to support soaring data usage, AI-driven services and increasingly sophisticated digital applications.

Vision 2040: Spectrum for the Future of Mobile Connectivity provides one of the most extensive global assessments to date of future mobile spectrum needs. It concludes that between 2–3 GHz of mid-band spectrum per country will be required across 2035–2040 to meet capacity demands in the busiest urban environments, with the figure rising to 2.5–4 GHz in higher-demand nations.

The study aims to guide policymakers and regulators as the industry prepares for widespread 6G deployment from 2030. Its findings come at a critical moment, as governments negotiate prospective mobile bands ahead of the International Telecommunication Union’s WRC-27 treaty conference in two years’ time.

The report emphasises that early action is vital. Insufficient planning could result in slower network speeds, increased congestion and reduced economic competitiveness throughout the 2030s. Without timely spectrum allocation, consumers may face deteriorating connectivity, businesses could encounter barriers to adopting advanced technologies, and national digital economies risk falling behind in the global shift to 6G.

John Giusti, Chief Regulatory Officer, GSMA, said: “This study shows that the 6G era will require three times more mid-band spectrum than is available today. Satisfying these spectrum requirements will support robust and sustainable connectivity, deliver digital ambitions and help economies grow. I hope this report provides useful insights to governments as they strive to meet the connectivity needs of their citizens in the coming decade.”

By 2040, the study forecasts:

  • More than 5 billion 6G connections, around half of all mobile connections globally.
  • 4G and 5G will remain essential, with around 2 billion 4G and 3 billion 5G connections still in use.
  • Global mobile traffic is set to reach up to 3,900 exabytes per month by 2040.
  • 2–3 GHz of mid-band spectrum is needed globally by 2035–2040, on average, with 2GHz by 2030, to avoid congestion.

Tradeify Secures Long-Term Partnership with Reigning World Number One Luke ‘The Nuke’ Littler

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Tradeify has unveiled a multi-year agreement with World Number 1 and 2024/2025 PDC World Darts Champion Luke ‘The Nuke’ Littler, who becomes the company’s new Global Brand Ambassador. The announcement launches Tradeify’s ‘Champion Mindset’ campaign, which explores the shared traits that underpin excellence in both elite sport and financial trading.

The deal represents Tradeify’s debut investment in professional sport and comes as Littler enters a defining period in his rapidly rising career. With his world title defence approaching in December, the collaboration aligns the brand with one of darts’ most influential and high-profile talents.

Under the partnership, Tradeify branding will be displayed on the back of Littler’s playing shirt. The company also plans to tap into the global interest surrounding the ‘Littlermania’ phenomenon to grow its audience and promote accessible trading, including a darts-themed series of initiatives. These will begin with a funded account giveaway for every 180 that Littler records during the forthcoming World Championships.

Littler’s remarkable rise provides the foundation for the wider ‘Champion Mindset’ campaign, which celebrates the discipline, precision and mentality required to excel in top-tier sport. Further activations and content linked to the initiative are set to be revealed in due course.

Brett Simberkoff, Founder and CEO, Tradeify: “Since his break-through moment at the 2023/2024 World Championships to becoming World Number 1, we’ve been captivated by Luke’s story and we can’t wait to join him on the next phase of his journey. Just like Luke, Tradeify has experienced a huge growth trajectory since launching in 2021 and the timing was perfect to amplify our brand and mainstream understanding of proprietary trading through sport. This partnership is the perfect platform to launch our ‘Champion Mindset’ campaign and help more people understand the mindset that drives success in both trading and sport”.

Luke Littler, Tradeify Global Brand Ambassador: “I’m really excited to partner with Tradeify. They’re an ambitious, emerging brand and a leader in the prop trading space, whose approach to precision in trading mirrors my approach to darts. I’m looking forward to working with the brand and achieving big things together.”

Why & How to Prevent Chargebacks in 2025

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Your store just made a sale. Payment processed. Order shipped. Everything looks perfect until a chargeback notification hits your inbox two weeks later. The customer claims they never authorized the purchase, and now you’re out the product, the payment, and stuck with additional fees. Sound familiar?

This scenario plays out millions of times each year, and the numbers are getting worse. Global chargeback volume reached 238 million in 2023 and is projected to increase to 337 million by 2026, according to research from industry sources like Mastercard and others. For many merchants, chargebacks have become one of the most frustrating and costly aspects of running an online business.

Understanding the Real Cost of Chargebacks

Chargebacks do more than reverse a single transaction. They create a ripple effect that damages your bottom line in multiple ways. When a customer disputes a charge, you lose the original sale amount, the product if it was already shipped, and you get hit with chargeback fees.

The math gets ugly fast. U.S. merchants lose $4.61 for every dollar of fraud in 2025, a 37% uptick from 2020 levels, according to research. Beyond direct financial losses, excessive chargebacks can push you into high-risk merchant status, leading to higher processing fees or even account termination.

Why Chargebacks Happen More Often Now

The chargeback system was designed decades ago to protect consumers from fraud and unfair merchant practices. While this protection remains important, the system has become easier to abuse. Mobile banking apps now allow customers to dispute transactions with just a few taps, and many shoppers genuinely believe chargebacks are the same as refunds.

Here are the main reasons chargebacks occur:

Friendly Fraud: This accounts for the majority of chargebacks and happens when customers dispute legitimate purchases. Sometimes they forget about a subscription charge, other times they experience buyer’s remorse and find disputing easier than requesting a refund. Social media has even amplified this problem, with some platforms sharing tips on how to abuse the chargeback system.

True Fraud: When criminals use stolen card information to make unauthorized purchases, legitimate chargebacks follow. As online transactions grow, so do opportunities for fraudsters.

Merchant Errors: Unclear billing descriptors, shipping delays, product misrepresentation, or poor customer service can all trigger chargebacks. These are often the easiest to prevent with proper business practices.

How to Prevent Chargebacks as a Merchant

The good news is that you have more control over chargebacks than you might think. Preventing chargebacks requires a multi-layered approach that addresses different causes at various stages of the customer journey.

Make Your Business Easy to Recognize

One of the simplest ways to prevent chargebacks starts with your billing descriptor. Many disputes happen simply because customers don’t recognize a charge on their statement. Use a descriptor that matches your business name as it appears on your website and marketing materials. If your legal business name differs from your brand name, include both along with your customer service phone number.

Build a Rock-Solid Customer Service System

Before customers reach for the dispute button, give them an easy way to reach you. Display contact information prominently on your website, receipts, and shipping notifications. Respond quickly to inquiries, ideally within 24 hours. When customers know they can resolve issues directly with you, they’re far less likely to involve their bank.

Consider these customer service strategies:

  • Offer multiple contact channels such as phone, email, and live chat
  • Create a comprehensive FAQ section addressing common concerns
  • Send proactive updates about order status and shipping delays
  • Make your return and refund policies crystal clear and easy to follow

Implement Fraud Detection Tools

Technology has made fraud easier, but it has also given merchants powerful tools to fight back. Address verification systems check that the billing address matches the card on file. Card security codes add another layer of authentication. For higher-risk transactions, consider requiring additional verification steps.

Modern fraud detection goes beyond basic checks. Machine learning tools can analyze patterns across thousands of data points to flag suspicious transactions before they process. These systems look at factors like device fingerprints, IP addresses, browsing behavior, and velocity patterns to identify potential fraud.

Perfect Your Product Descriptions and Policies

Can you prevent chargebacks by being more transparent? Absolutely. Many disputes arise from unmet expectations. Use accurate product photos, detailed descriptions, and honest specifications. If something is backordered or shipping might take longer than usual, communicate this clearly before purchase.

Your policies deserve equal attention. Write return and refund policies in plain language. Make terms and conditions easy to find and understand. For subscription services, clearly explain billing frequency, cancellation procedures, and what customers get for their money.

Optimize Your Shipping and Fulfillment

Shipping issues trigger countless chargebacks. Ship orders promptly and provide tracking information automatically. Use reliable carriers and consider requiring signatures for high-value items. When delays happen, communicate proactively rather than waiting for customers to reach out.

Package products securely to prevent damage during transit. Nothing frustrates customers more than receiving a broken item, and frustration leads to disputes.

Advanced Prevention Strategies

Once you’ve covered the basics, these advanced tactics can further reduce your chargeback rate:

Use Chargeback Alerts

Tools with automated alerts are one of the most effective ways to prevent chargebacks. They notify you when a dispute gets filed, often before it becomes an official chargeback. This gives you a narrow window to resolve the issue directly with the customer or issue a refund, stopping the chargeback process. While these services cost money, they’re typically cheaper than the fees and hassles of fighting chargebacks.

Collect Strong Evidence

Keep detailed records of every transaction. Save proof of delivery, customer communications, IP addresses, and any verification steps completed during checkout. If you do face a chargeback, compelling evidence significantly improves your chances of winning the dispute.

Monitor Your Chargeback Ratio

Payment processors watch your chargeback-to-transaction ratio closely. Once it exceeds certain thresholds, usually around 1%, you risk penalties or account closure. Track your ratio monthly and investigate any upward trends immediately.

Industry-Specific Considerations

Different business models face unique chargeback challenges. Subscription services should send reminder emails before billing and make cancellation straightforward. Digital goods providers should deliver products instantly with clear confirmation emails. High-ticket item sellers might benefit from additional verification steps despite the friction they create.

The table below shows how chargeback prevention priorities vary by business type:

Business Type Primary Chargeback Risk Top Prevention Strategy
Subscription Services Forgotten recurring charges Pre-billing reminders and easy cancellation
Digital Goods Non-delivery claims Instant delivery with email confirmation
Physical Products Item not received disputes Tracking numbers and delivery confirmation
High-Ticket Items Friendly fraud attempts Enhanced verification and clear communication
Travel/Hospitality Cancellation disputes Transparent policies and flexible options

The Human Element

Behind every chargeback is a person. Sometimes they’re confused. Sometimes they’re frustrated with your service. Occasionally, they’re deliberately trying to cheat the system. Treating customers with respect, even difficult ones, pays dividends.

Train your team to handle complaints with empathy. Turn angry customers into advocates by going above and beyond to make things right. A resolved complaint costs far less than a chargeback and often results in a loyal customer who tells others about your exceptional service.

Take Action Today

Start by auditing your current processes. Review your billing descriptor, test your customer service response times, and examine your product descriptions for clarity. Implement the strategies that address your biggest vulnerabilities first, then gradually add more layers of protection.

The effort you invest in chargeback prevention pays off through reduced fees, lower processing costs, better customer relationships, and more time spent growing your business instead of fighting disputes. In an environment where chargebacks are projected to cost billions globally, taking preventive action isn’t optional anymore. It’s essential for survival and growth in the competitive world of online commerce.

How to Boost Efficiency and Cut Carbon Emissions in Your Business

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Running a business in the modern era can be a very difficult thing. You’ll need to be able to manage costs, stay on the right side of any relevant regulations, and meet the expectations of your stakeholders when it comes to sustainability and environmental concerns.

The good news is that these objectives often align with one another. By making your business more energy-efficient, you’ll be able to bring down your carbon emissions, and thereby safeguard both the profitability and the reputation of your operation.

So, how should this challenge be approached?

Assess and optimise your baseline

If you aren’t measuring your performance, then you might struggle to improve it. You’ll need to therefore think about things like the raw amount of energy you’re using, the amount of it you’re wasting, and the amount you’re spending on specific aspects of your business, like transportation.
Getting a good sense of your carbon footprint means understanding not just how large it is, but how it breaks down. The former will allow you to measure your progress; the latter will allow you to identify the easy gains.

Drive operational efficiency and reduce waste

Once you have an idea of where your weak points are, you can start to think about how they might be addressed. Often, a simple change in your processes can help you cut out redundant energy use and thereby drive down your energy expenditure. In other cases, the investment in new equipment and systems can make a difference that will pay for itself over time.
You might go deeper into the way that energy is actually being used and try to make marginal gains here and there. Encouraging employees to switch off the lights as they exit a room can be beneficial – but the big gains are to be found by applying this principle across the entire building.

Leverage low-carbon solutions and renewables

It isn’t just the amount of energy you’re using that should be a concern. Where this energy comes from, and how it’s generated, will make a difference, too. It might be that you can make major gains by generating energy on-site, through things like solar panels.
Or you might look into green tariffs that will allow you to optimise your spending on energy while making a transition to renewable forms of energy. A good business energy supplier can make this easier.
Certain energy-intensive industries, like steel, have recently welcomed a change in government policy on green levies, which aims to cut costs and stimulate growth. The discount for connecting to the grid was improved from 60% to 90%.

Embed culture, monitor progress and iterate

You can’t expect to make major gains with just a single one-off round of changes in your approach to energy. An effective renewable culture is something that is continually built over time. You’ll need all of your employees to develop the right habits, and to hold one another accountable. You’ll also need to ensure that you measure not just your own performance, but that of the entire supply chain to which you’re attached!
Only around 65% of firms in the UK have a plan for Net Zero. By implementing one, you might put yourself ahead of the competition!

Workspace Shares Down 5% After Big Drop in Office Values

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The AIM-quoted provider of flexible workspace, Space Group plc, extends its losing streak today as the shares slump more than 5% to 380 pence in uneven trading on the London Stock Exchange.

The drop comes after a depressed six-month report that revealed a 4% decline in property values, which stirred up concerns of a long hangover on the hybrid working revolution and the probability of sticky interest rates straining the business real estate market.

The six months to September 2025 results were encouraging, with rental income narrowly increasing by 2% to PS48 million, supported by high occupancy rates of 88% in its 4.2 million square feet of space in its urban hotspots such as London and Manchester.

Adjusted net asset value per share, however, tumbled to 680 pence compared to 710 pence, after a PS25m write-down on legacy assets in the City fringe. The management attributed the cause to market dislocation caused by low demand and high yields, and new letting rates stagnated at 3% less than rack rents against tenant pressure on pricing.

This is a sombre revelation in the wake of a tectonic change in office dynamics because post-pandemic preferences are given to working remotely, leaving swathes of space empty. The British Property Federation puts UK vacant rates at 14%, the highest in five years, and this puts pressure on landlords such as Workspace to provide sweeteners such as rent-free periods and fit-out incentives.

It has been the customer-focused approach of the firm, which focuses on creative SMEs by providing co-working pods and event spaces, that has withstood the test of pure-play Grade A towers, but even in this instance, the rate of churn has been 18%, as startups are struggling with funding crises.

In response, brokers cut forecasts with Liberum reducing to a hold with a 420 pence target. The report warned that valuation resets are an indicator of structural pain, and the urban renewal focus of the city on the workspace is admirable.

Stocks, declining 28% year-to-year, now trade at 0.55 times net asset value – a bargain basement price that will attract vulture funds but not blue-chip acquirers. Volume was 200% above the normal level, and algorithmic selling was contributing to the rout as the stock went through key technical supports.

The FTSE 250 real estate investment trust pack, which was hit 1-2 per cent by IWG and Tritax Big Box, was an additional blow to the sector, reflecting its weakness. The FTSE 100 index benchmark in London gained a mere 0.1 per cent. to 8,280 on the strength of pharma, but the mid-cap index was down 0.3%, its poorest performance in seven weeks.

FTSE 250 Real Estate Wobbles as Workspace’s Writedowns Highlight Office Market Malaise

The misery of Workspace is the epitome of commercial property mess, and surveys by the Big Four indicate a 20% drop in new leases as of 2023. High borrowing costs – refinancing bills have been inflated by high costs of 10-year gilts at 4.2% – and PS500 million of ESG-imposed capex burdens industry-wide. Its PS300 million debt burden, at a loan-to-value ratio of 35 per cent, is not extremely large, but the covenant headroom would be minimal in case of stagnant rents.

The group is also doubling down on adaptive reuse: it is turning underutilised warehouses into innovation centres with EV charging and wellness facilities, and it hopes to increase its yields to 6% in 2027.

Recent transactions comprise a 50,000 sq ft let to a fintech cluster in Whitechapel, a sign of attracting agile occupiers who do not want to work with any rigid corporate occupiers. Dividend policy is maintained at 12 pence per share, with 3.2 a very tasty yield, and 1.5x earnings coverage, but gradual increases are seen to be limited.

Economic wildcards abound. Odds of the December rate reduction to 85% (by futures) might help the Bank of England to reduce the pressure in case the inflation drops to 2%. However, a chilly Budget on November 27, as business rates are frozen, could raise empty property charges, which Workspace’s portfolio of 10% is going to be hurt. Occupier sentiment is further obscured by geopolitical jitters, whether US tariffs or Middle Eastern flares.

In the case of workspaces, an early adopter of the managed workspaces, this is a challenge. A 2015 carve-out by a private equity company heightened the attention, yet the 2020 listing at 600 pence seems like prehistoric times.

Pre-tax losses were reduced to PS 10 million versus PS15 million; this was made possible by cost-outs such as AI-driven energy management, reducing bills by 8%. It has 200,000 sq ft of development, and plans mixed-use developments of offices and residential.

Radar ping of liquidity: war chest is PS20 million net cash inflows towards opportunistic purchases of distressed assets. Short interest is currently holding on at 3, and bulls are quoting a 15% increase in rents on lease renewals. At depressed multiples, it is a high conviction contrarian bet, but patience is of the essence.

Budget Crunch: Can the Relief Turn Workspace and Its Withering Portfolio Around?

Workspace is a Workspace, and with choruses reforms. The Property Ombudsman wails at the stamp duty domestications on business flips, which may open the gates of PS3 billion. The 20% offset of the upgrade costs by a green retrofit grant pool would be consistent with Workspace’s net-zero commitment by 2030.

Tech infusions welcome salvation: VR tours have increased inquiries by 25 per cent., and blockchain leases simplify compliance. The model is looked at by international scouts on US rollouts, but the Brexit strains persist.

Cynics cry the overexposure to London (70% of space), in which the Crossrail buzz has been falling flat in the face of the affordability crisis. Another outbreak of a virus variant will empty floors once again, but diversified tenures – 4 years on average – protect against shocks.

Investors eat the losses: three-year returns are 40 per cent below the FTSE 250, yet below 350 pence lie the forensic value hunters, who are predicting an increase of 20 per cent on rate relief. The leasing data of Black Friday, which is released next fortnight, can swing the balance.

Working with reinvention in the built-environment bind of Britain. It goes through solid remains to collective fireplaces, flitting back and forth through mud, gambling on the survival of human centres in the digital tsunami. With cities winning back souls, this FTSE 250 regular may still prosper – should those in power tread the path.

Domino’s Pizza Shares Dip 2% as FTSE 250 Chain Warns on Delivery Costs Amid UK Consumer Squeeze

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The UK’s largest pizza delivery operator, Domino’s Pizza Group plc, headed in the wrong direction this afternoon, with the shares falling more than 2% in the afternoon, on the London Stock Exchange following a tentative trading statement that pointed to rising operational expenses and a slowed same-store sales increase.

The FTSE 250 member, which already carries a 49% fall per year, had its shares drop to 280 pence, annihilating previous gains and raising the scale of fears about the susceptibility of the fast-food industry to tightened household finances.

The release of the update, which was made before full-year results in early December, showed that the like-for-like sales growth was only 1.5 per cent in the third quarter, significantly lower than the consensus of 3 per cent and a remarkable decline on the previous quarter of 4.2 per cent.

The slowdown was blamed by the management on foul weather conditions and a higher promotional effort, which reduced the margins amid a 5% increase in the total sales in the system to PS1.2 billion owing to the addition of new stores. Adjusted EBITDA forecasts of fiscal 2025 were reduced to PS140 million as compared to PS145 million, considering the increased labour and energy costs due to sustained inflation.

This attitude softens the precarious nature of discretionary spenders in an expensive setting, with a report by the Office for National Statistics indicating that food prices have still remained at 2.8%.

Domino, boasting more than 1,300 restaurants in the UK and Ireland, has traditionally been offering fast delivery and value offers as part of its efforts to retain market share, but its competitors, such as Just Eat Takeaway and Deliveroo, are increasingly launching discount deals at each other. The asset-light franchise business model that the company has adopted leaves it exposed to royalty changes in line with store-level profitability that declined 3% quarter to quarter.

Pundits cooled their excitement with Barclays reducing its price target by 320 pence out of the 350 pence, but maintaining a rating of hold. The note said that the resilience of Domino’s in times of recession was established, and the situation was not clearly visible in the short term due to consumer caution.

Shares, which hit a low of 250 pence in September, have gained 12 per cent in the last month on the hope of a festive revival, but the current action puts the shares 48 per cent below where they were at the start of the year, at a pathetic 12 times forward earnings – a valuation in the screamer and an execution in the whispers.

The episode reflects the turbulence in the FTSE 250 consumer discretionary arena, where restraint in spending has cut down names of Greggs to Mitchells and Butlers. Wider FTSE 100 firmed at 8,250, rising 0.1% on mining strength, but the mid-cap index fell 0.2%, as traders moved on to the defensive side before the Bank of England announced its rates.

FTSE 250 Consumer Stocks Under Pressure as Domino’s Banners Margin Erosion in Hard Trading

The misery of Domino was felt in circles with PizzaExpress owner Hamsard gaining 1% on speculative buyout news and Deliveroo dropping 0.5% on volume issues. The sub-index of the sector, which is -15% YTD, indicates a sharp turnaround: affluent urban people who buy takeaways instead of cooking at home, according to Nielsen data, which indicates a decline of 7% in out-of-home dining.

In its fundamental terms, the strategy of Domino revolves around digital innovation and globalisation. Its app brings the group 40% of orders, and it is supported by AI-optimised routing, which has reduced delivery times by 10%.

In Switzerland and France, overseas growth increased by 200 basis points, and the management is targeting 50 new locations every year to reach 1,500 stores in the UK by 2028. However, franchisee resistance to royalty increases by 1 to 6% has raised the scent of discontent that could limit network density.

There are economic crosscurrents which make the story complicated. As unemployment is creeping to 4.5 per cent and real wages are stagnating, the Autumn Budget announced by the Chancellor on November 27 is big.

VAT increases on takeaways rumours would hurt 2-3rd of revenues, but fuel duty freezes would counter logistics expenses, which shot 8 rd this quarter. In an interview with reporters, Domino’s chief financial officer emphasised promises of price neutrality, promising no vacuous increases regardless of the cost of inputs.

To this gritty chapter, the chain was known as 30-minute guarantees, created in the year 1999. It managed lockdowns through collection model pivots after the pandemic, reporting 20% revenue CAGR 2020-2023. However, normalisation has shown faults: store-level profitability of 18, versus 22, with rent increases and minimum wage increases to PS11.44 in April next year.

The story of the investor flows is rather alarming: the turnover increased to twice the normal level, the short interest reaching 5% of the float as hedge funds bet downward. The 3.5% dividend yield, which is 1.8x the earnings, will continue to be an attraction, but suspension fears, not seen since 2020, re-emerge in the case of continued cash burn. At the existing multiples, the stock creates a classic turnaround: High beta volatility covering a moaty brand in a PS10 billion addressable market.

Budget Blues: Can Fiscal Tweaks Salvage UK Fast Food’s Festive Fireworks?

With the blueprint of the fiscal strategy of Reeves coming to pass, Domino is making more calls to be relieved. The British Retail Consortium is a lobbying body which estimates PS1 billion in business rate reductions will result for the hospitality sector.

A proposed 1 per cent National Insurance reduction among low-income earners would pump up disposable income, which would raise order volumes by 5 per cent over Christmas, 30 per cent of annual sales.

Tech bets provide a backlash: hybrid fulfilment with Uber Eats and blockchain traceability with supply chains have a 15% efficiency boost by 2026. Bolt-ons in Europe call out with PS50 million of free cash flow, but there is a cost on the balance sheet of integration; its net debt is 1.2x EBITDA.

Sceptics also highlight the risks of saturation: 20 new stores a quarter places a cap on capex of PS80 million and the urbanity of the density in the footfall. Toppings that are import-based are hampered by a sterling rally, which is up by 1.5 per cent this week, and the cheese production is threatened by outbreaks of avian flu. Still, the defensive properties of Domino’s 70% recurring revenue will safeguard against Armageddon situations.

Shareholders suffer the grind: 5-year returns are 30 per cent below the FTSE 250, but contrarians see an entry point at 270 pence and an upside of 15 per cent on a sales turnaround. The momentum could be dependent on the Black Friday values next week.

Domino Pizzas represents the squeeze in the consumption conundrum in the UK: luxurious and tight in a box of pizza. With an adaptation of heritage warmth and adaptive spiciness, this FTSE 250 staple competes over bits of devotion. The question is whether it will reheat or cool down with the loosening of wallets, or a pitching in by policymakers.

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