Load Balancing: A load balancer is a software tool that distributes “free trial” transaction across a number of merchant accounts for the primary purpose of keeping the chargeback count per each MID under 100 chargebacks per month. These tools are typically a part of CRMs.
Friendlies: prepaid debit card transactions that are processed to increase the total number of transactions to keep the chargeback ration below 1%.
CRM (Customer Relationship Management): this is a software tool used to manage customer relationships.
R.I.C.O. Act: The Racketeer Influenced and Corrupt Organizations Act, commonly referred to as the RICO Act or simply RICO, is a United States federal law that provides for extended criminal penalties and a civil cause of action for acts performed as part of an ongoing criminal organization.
Free Trial: a product or service that is offered to customers for free for a short period of time so they can try using it. Often times free trial schemes in the health and beauty industry go to great lengths to hide terms and conditions of sales.
