A very good morning all, I would welcome hearing about your issues with requesting and taking payments. A lot of the concerns that I hear in discussions are usually around the following - Fraud related chargebacks - can I stop these from happening? - Not being able to take payments in the channels the customer is comfortable with. - Are my payment solutions fully PCI compliant and use 3D Secure to protect me and my business? - Inability to integrate into Xero, Iplicit or QuickBooks. - High processing fees, hidden CNP fees or being tied in to one acquirer. - Taking a phone payment and the risks associated with this (is there a better solution?) - No ability to have a QR code to request a payment. - Don't have the ability to set up recurring payments easily without expensive and admin reliant direct debits - Am I at risk of fines or losing my ability to take digital payments because of the way I take payments currently, is it putting me under scope of Visa VAMP? Be good to hear your frustrations! By the way, we do have solutions to all the above. Have a great weekend everyone.