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Friendly Fraud Becomes Sworn Enemy For Restaurants

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Restaurants

Restaurants

As per a new survey by Ravelin –a fraud detection specialist, it has been observed that modern mobile-based payment platforms are leading to higher instances of the occurrence of ‘friendly fraud.’

Payment disputes that are correlated with friendly frauds are expected to increase because of the pandemic-accelerated increase in e-commerce. Networks, processors, and card issuers are observing that consumers who seek contactless purchasing tend to be making the respective conventional methods of managing disputes unsustainable.

Advanced analytics, new technologies, and redesigned processes might have a major impact. However, through history, the industry has been gradual when it comes to investing in back-office improvements. When the issuer would include modern technology –like automation, to the current processes, it turns out to be preventive rather than strategic. This is the reason why it is high time that we should reconsider the way in which we approach the given claims.

Friendly Frauds & COVID-19

The ongoing pandemic has forced the end consumers to scale back or eliminate shopping trips to brick-and-mortar retailers out there. This has resulted in delivering more transactions to e-commerce. Due to this, average transaction amounts tend to be shrinking. As more retailers are offering free shipping, consumers are no longer required to bundle up subsequent purchases. Supply chain disruptions, government restrictions, and financial hardships have altered purchasing patterns –leading consumers to cancel purchases, switch to alternate items, and re-approach subscription services.

The current purchasing trends have made the ongoing rules to settle disputes. More transactions result in more claims –creating backlogs and intimidating call centers. Along with pandemic-specific shopping trends, transactions have also become highly abstract because of the overall rise of in-app and digital payment platforms. The given options send over transaction-based data through some third party. This includes an extra layer between the merchant and the cardholder.

This leads to ample confusion as consumers are reviewing the respective statements. This often results in friendly frauds. It is regarded as a situation in which the consumer would dispute some legitimate charge. Consumers might not recognize a specific transaction that might have been bundled by some alternate digital storefront. On the other hand, the consumer might also realize that some family member or friend might have used the respective card. One of the most difficult claims that merchants have to verify is that the packages have not been delivered. Moreover, consumers have also found that contacting the respective credit card issuer turns out to be the most convenient way of disputing a charge –even after the overall ease with which the given matters could be resolved by directly contacting the merchant.

Ways to Improve the Consumer Experience

Just like merchants have brought about significant changes for retaining consumers during the pandemic, issuers are also expected to instantly reduce friction in the respective dispute processes while improving the cardholder experience. Here are some ways to achieve the same:

  • Utilization of Self-Service, Robust Tools: When interactive tools are utilized for claim resolution, it offers the customers the overall ability to effectively understand the transaction & its respective context. At the same time, the consumers are also able to communicate directly with the merchants. As & when needed, the consumers can file a dispute claim with the respective issuer. This, in turn, would allow issuers to focus on the respective transactions requiring intervention while offering ample time to do so within the given set of regulatory timeline.
  • Improved Insights into Transaction Data & Spend: With this capability, the consumers are allowed to effectively recognize the respective purchases while offering a more direct route for resolving disputes with the respective merchant. The presence of rich data also allows the consumers to review shipments, refunds, recurring expenditures, and cards on file. This tends to increase the overall customer confidence while preventing several disputes from getting filed in the first place.
  • Advanced Tools for Customer Service: These tools enable representatives to easily resolve disputes while capturing top-quality data during the initial call. This helps in reducing the call times as well as the number of calls required for gathering details related to the dispute.

Issuers will also be required to regard a highly intelligent approach towards settling claims once they have been filed. Conventionally, they have dealt with dispute resolutions in the form of a binary decision. For instance, if the given charge is less than a specific amount, then it will get paid off automatically. On the other hand, charges above the given limit will be investigated properly. However, if a higher percentage of transactions would fall below the mark, then writing off the given transactions would turn out to be a losing proposition.

Proper investments done in predictive analysis & AI or Artificial Intelligence can help in allowing issuers to ensure smarter decisions by categorizing disputes while routing them to the most efficient methods for dispute resolution. The capability of associating an event –like a transaction swipe, along with Machine Learning models can help in offering a data-driven overview of the existing disputes. This tends to evolve with time dynamically.

Every charge that has been disputed can be scored for the resolution’s difficulty level. This helps in replacing the typical binary system of decision-making on the basis of conventional write-off limits. The utilization of real-time insights –like the detection of repeat abusers, will help in identifying the possibilities of frauds while ensuring successful merchant payback.

Conclusion 

Issuers that pay attention to observing claims, complaints, and costs will be rising in the next few months. Such issuers should not expect any major reversal in the respective trends as put forth by the pandemic. Consumers that have turned to options like purchasing online for curbside pickup might not revert to traditional methods once the outbreak has been controlled.

The adoption of an intelligent approach towards friendly frauds as well as disputes can help in deflecting several claims while also reducing the overall costs and creating a highly sustainable model for the issuers out there.

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Food

Why many people are buying survival products

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SOS survival products

SOS survival products

Day by day the necessity for the MRE meals (survival gear) is increased because it’ll be the right one for saving your lives in critical situations. Most people are confused about where to get the right quality of MRE meals but you don’t have to bother about anything and SOS survival products are going to be the right choice forever. Everyone must attempt to utilize this unique product once they are visiting unknown places.

Reason for its uniqueness

It was made of a fine substance so it’ll never be harmful to your health at any time. Attempt to share the benefits of this excellent SOS product with those that need it and it’ll be more helpful for them. Some people are assuming that this type of product is going to be more costly but it’s not like that and you’ll save more from it. Still, there are not any poor reports that appear on these products and it indicates the standard of MRE products.

There are not any preservatives added thereto which is why it becomes the widely chosen one. It’s an important survival situation and surely you’ll not be disappointed about it at any time. Don’t miss this unique survival product for any cause and it’ll keep you far away from critical survival situations. This easy MRE product is holding multiple advantages with it and surely you’ll admire its value.

Highly safest one

Now anyone can easily purchase MRE meals at SOS Products on your budget so don’t miss this unique one for any cause. It’s an important product, therefore, the cost of this product is extremely low in comparison to the opposite. You’ll also recommend this unique one to those that need it and it’ll be more helpful for them. There are multiple people who have begun to utilize this excellent MRE product and they are all giving excellent reviews about it.

Hereafter you no got too confused about where you can get the simplest quality of MRE products on your budget and this may be an ideal choice forever. Still, if you do not begin to utilize this MRE product you’re missing an excellent opportunity so don’t miss this unique one for any cause. This may never be harmful to your health because it has been specially prepared for survival situations so you do get to bother about anything.

Common for all age people

Most people are beginning to suggest this SOS product for visiting unknown places and there’s nothing which will restore the worth of it. These are all the benefits you’ll get by choosing this SOS product so don’t miss this unique one for any cause. Now you’ll get a good idea about the benefits of selecting this SOS survival product so attempt to share the merits with everyone.

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What is a pressure canner? – A simple and efficient way to preserve food

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What is a pressure canner? - A simple and efficient way to preserve food

What is a pressure canner? – A simple and efficient way to preserve food

In daily life with a hectic routine and work life, everyone wants to prepare and store food to last for days so you don’t have to go for grocery or cooking frequently. Well with meat and vegetable this one is quite a difficult task to achieve. Many people use boiling water to sterilize and store food or you can also cook it and preserve it, but that won’t last for more than a week or two in the freezer.

Well, don’t worry we have brought you a very efficient and feasible method of storing your food items safely and in proper condition so that the freshness and taste remain the same. With a pressure canner high pressured steam at a 240 F temperature kills all the bacteria and microorganisms, so that the foods are canned and sterilized to last for weeks or months. You can easily store low acid items that are prone to rotting like beans, meat, tomatoes, or cooked items like soup, purees, or curries.

Here is a complete guide for you so you can better understand what a pressure canner is and it’s working along with a step to step procedure for sterilizing your food with a pressure canner.

What is a pressure canner?

A pressure canner is a steel or aluminum pot that comes with a lid that locks in and has a pressure valve or pipe that is covered with a dial or gauge to apply some weight and a pressure plug to relieve the pressure before you unlock the lid.  A pressure canner is usually similar to the pressure cooker we use for cooking but the heat and pressure handling to sterilize cans containing food is different.

How does a pressure canner work

A pressure canner uses pressurized steam to sterilize the food by killing all the bacteria and microorganisms in it so that the food items are safe to keep in the fridge to be used for a long time. Pressure gauge on the lid is used to vary the temperature by increasing or decreasing the pressure.

As steam is hotter than the boiled water the sterilization of the cans is better and more effective. Pressure canner can heat up to 240 F or more at increased pressure by either the weight or by the burner flame. When the less acidic foods are sealed at this temperature they are good to go for months.

Types of the pressure canner

Based on the regulating system of the pressure on the lid of a pressure canner the pressure canner is divided into two subcategories that are:

1. Pressure canner with dial gauge

Dial gauge pressure canner has a dial on the lid that shows the pressure inside the pressure canner. You can check all the time that either the pressure is at the required PSI or not and alter it by regulating the flame of the burner.

Although the accuracy and maintaining a constant pressure all along is achievable with this type of pressure canner they require complete attention and aren’t self-regulating. So for precision-loving people, these are a good fit but they will take your hour or more for continuous monitoring that you won’t prefer usually.

2. Pressure canner with a weighted gauge

In a weighted gauge canner, you have weight available on the steam valve that applies pressure required from 5, 10, or 15 valves whatever you prefer according to your location altitude. This weight jiggle every minute and release some steam indicating that the pressure canner is at its required pressure and the food is being cooked or sterilized properly.

This kind of pressure canners are self-regulating and maintain the pressure without you watching over. With the ease of no monitoring comes a drawback of limited pressure options that are only 15, 10, or 5 PSI, contrary to the dial gauge in which you can select any intermediate pressure.

As with glass top stoves, canning is to be done with extreme care so weighted gauge canners are the best pressure canner for glass top stove due to proper monitoring and pressure regulation with no increase in pressure even if you are not there.

Benefits of using a pressure canner

You must be thinking now that why on earth you should buy a pressure canner that is not too cheap, plus with all those frozen vegetables and meat available in the market doing so at home is an extra task. Well here are some major advantages that using a pressure canner to can your foods implies. Let’s have look at them:

  • Fresh and safe

With a pressure canner, the food is preserved with its original taste and texture, so you will get your meat or soups as fresh and tasty as they were canned.

  • Cost friendly

All that frozen food costs you a fortune every month with a somewhat less appetizing taste, while when you pressure can your food at home that saves you a lot of money and is also tastier and healthier

  • Store without freezing

Pressure canned food is good to be kept on a shelf or kitchen cupboard and won’t require you to keep them in freezers or cold boxes to prevent them from getting stale.

  • Customized as per your taste

For people who are allergic or want to cut some spices or salt from their diet, pressure canning their food is great as they can add whatever ingredient they like and don’t have to read the ingredients table on each frozen product before buying.

Step by step guide for pressure canning

Now while we are now well convinced about buying a pressure canner and what great benefits it has, let us dig into the procedure of pressure canning your vegetables, fruits, soups, or steaks. Follow this step by step easy guide to pressure can your food conveniently and perfectly.

1. Pre heat empty jars

Fill your pressure canner with water and heat it to boil. Well, you must be thinking about how much water in the pressure canner should be filled? , you can only fill 2 -4 inches on the bottom of the pressure canner as it works with steam, not the boiling water.

Heat the jars for 3- 4 minutes and then take them out

2. Fill the food items in the jars tightly

Now fill the jars tight with anything you want to store like beans, peas, soups, or meat so that the container is filled completely

3. Use a spatula to remove any air bubbles

With the help of a rubber spatula moved along the walls of the jar or press down the food a little to remove any air bubbles in the jar.

4. Wipe the rim and lid of the jars

Now wipe the rim and the lid of the jars to remove all moisture and lock them tightly onto the jar that it’s not openable easily.

5. Place in the heated up pressure canner

Now with 2 to 3 inches of simmering water place all your jars to be pressure canned carefully and lock the lid of the pressure canner with no weight on the pressure vent.

6. Let it heat for 10 minutes without a pressure gauge

Without any weight let the water steam up and leave through the vent pipe for 10 minutes

7. Place the gauge and steam for the required time

Once the pressure is created place the regulator and let the jars steamed for a suggested time at the proper pressure to seal the jars completely

8. Depressurize and unlock the lid

Keep in mind to first open the vent pipe to relieve pressure, then remove the weight or dial gauge and then unlock and open the lid.

9. Let the jars cool down

Now let the jars cooled down for 12 to 24 hours outside in the air.

10. Check the lid for proper seal and store

Check with fingertips that either the lid is sealed or not and if there are complete seals then you can safely place them on the shelf or fridge as you like.

What foods are good for pressure canning?

Although any kind of food item can be pressure canned it is more preferable for items that are low in acidic value and can be kept in an acidic preservative like vinegar in pickles. Here is a list of some products that are good to be pressure canned

  • Meat and meat stocks/ broth
  • Vegetable soups or broths/stocks and beans, tomatoes or potatoes, etc.
  • Baked beans or cooked chili
  • Pasta or pizza sauce that contains onions, tomatoes, or mushrooms in them
  • Any soups or cooked stews

Which items you should avoid using in a pressure canner?

While you aim to pressure can your food here are some items that you should never put in a pressure canner, as they won’t get preserved and also will cause a mess. These items to be avoided are:

  • Any kind of dairy products be it milk, yogurt, cream, or butter
  • Starchy foods like pasta, spaghetti, or rice
  • Eggs and egg dishes
  • Thickeners like flour or cornflour
  • Coconut or almond milk.

FAQs

1. How much water can you put in a pressure canner?

There are only 2-3 inches at max water requirement in a pressure canner to create steam for canning jars.

2. Is pressure canning better than boiling water?

As steam is more pressurized and hotter than boiling water the process is better and more effective

3. How much a pressure canner cost?

On average, a pressure canner costs a thousand dollars and more depending on the capacity and quality.

Summing it up!

Hopefully, you found this article helpful in getting the know-how about what is a pressure canner and it’s working and canning procedure.

Pressure canning is for sure one of the best way to preserve you low acid content food items so that you can enjoy your favorite vegetables off-season or have a homemade can of soup available after you came back on a chilly evening to the home

Follow our easy guide to can your food to perfection.

Stay connected for more information and guides like this

Best of luck with your first canning session at home!

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How to Take Care of Countertops

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Countertops

Countertops

Would you like to have your kitchen as the first day for years? No, it is not a dream. Having your kitchen like new is very easy if you follow these 10 tricks to take care of your countertop. The future of your kitchen is in your hands!

The countertop is one of the most used parts on a day-to-day basis and is exposed to continuous actions that can deteriorate it, so taking care of your countertop is essential. A correct choice of the material from which our countertop is made is a key point in its maintenance.

Choice of countertop

There are many options that we have today for our kitchen countertops, but your choice depends on whether you have to change it in 2 years or many more.

We bet on the best for your kitchen, where quality, safety, and design are the main points on your kitchen countertop.

When choosing a countertop for your kitchen, reason, and emotion have to go hand in hand, since it is so important that the countertop be able to last 20 years in perfect condition, as that in 20 years you will still be in love with it. A sure hit? The Silestone Helix model in the image.

Tricks to take care of your countertop and make it look like the first day

Countertops

Countertops

And, if in addition to making a perfect choice, do we take care of our countertop in a few small steps? The result is to enjoy the kitchen of your dreams for many years.

1. Daily cleaning, easy and fast!

A thorough cleaning of the countertop is not necessary, but keeping it clean will help keep it in perfect condition over the years.

2. Dry and shiny, so yeah!

Drying it after cleaning contributes to its maintenance, lengthens its optimal state and, in addition, we prevent watermarks from leaving any streaks on the surface.

3. If we have a stain, let’s go for it!

If we remove the stains when they have been in a short time, we avoid that grease can become embedded in our countertop and that the material can become contaminated and deteriorate.

4. Avoid extreme heat sources

Using protectors when we place very hot pans is a small action that our countertop will thank us for.

5. Say yes to cutting boards

Cutting into the countertop may seem like a good idea to us, but even if the material is scratch-resistant, continued use can cause erosion of the countertop.

6. Use products that are not aggressive for daily cleaning.

The granite or quartz from which Silestone, Sensa, or Dekton countertops are made, are very resistant materials, but the continuous use of very strong degreasers can end up damaging the countertop. The same happens with steel, we will have to choose cleaners for this material.

Countertops

Countertops

7- Avoid the use of bleaches or chlorine disinfectants.

Bleach is a product that, used continuously, can damage our countertop. In the case of specific cleaning, it is important to rinse afterward with water to minimize the aggressiveness of this cleaner.

8. Beware of chemicals.

If we use ammonia it is very important not to mix it with chlorine because it can damage the material and, also, give off very harmful gases.

9- Do not polish our countertop!

The materials are manufactured in such a way that they have protection against stains and heat and, if we polish it, we will lose that layer on the countertop.

10. Clean in circles, said by the experts!

Brands such as Silestone, recommend cleaning stains by making circles, as it helps the material suffer less from friction.

These are just a few tricks to take care of your kitchen countertop, and you don’t just have to make the right choice in the materials. This decision, although complicated, is very important. Request your budget, we will make your kitchen like one of your dreams.

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