Articles by Len Garcia

opinion

What Mastercard's Scam Monitoring Program Means for Adult Merchants

Mastercard's Scam Merchant Monitoring Program (SMMP) has introduced a new, investigation-led framework that works very differently from the ratio-based chargeback programs the industry has relied on for years. It applies to card-not-present merchants globally, and Mastercard's guidance on business models warranting closer attention includes adult content and dating platforms, along with subscription services, digital goods and forex.

Len Garcia · Oct 26, 2026