FRF

FRF

Credit Card Chargebacks and Disputes

What is a chargeback? A chargeback, also known as a payment dispute, occurs when a cardholder questions a transaction and asks their card-issuing bank to reverse the transaction. With the holiday season fast approaching, we want to help you protect your business and avoid payment disputes. There are multiple reasons for a cardholder to issue a dispute.

    Some of the most common are:
  • Charge not authorized
  • Merchandise or service not as described
  • Defective, cancelled merchandise or service
  • Incorrect amount
  • Duplicate processing
  • Merchandise or service not received
  • Paid by other means

How do you protect your business and avoid these chargebacks? Start by using a PCI compliant terminal or point of sale system that accepts both chip cards and contactless payments (Apple Pay, Google Pay, etc…). Train employees and/or customers to insert their chip card or “tap” to make the payment, and swipe only if prompted by the terminal if the chip read fails. Manually imprint all key entered credit cards and do not key enter cards that are un-embossed. If you have to manually enter the credit card, answer ALL prompts including address verification and the CVV code.

If you do receive a chargeback notification from your merchant processor, be sure to respond immediately with all the information that has been requested. It could be that the cardholder simply forgot they made a purchase from you. They may not recognize the name that shows up on their card statement. Whatever the reason, be sure you work closely with your credit card processing company to resolve the issue in a timely manner.

As always, if you have any further questions, please feel free to reach out us at 877-327-8308.

Crystal Laake holds the Certified Payments Professional (CPP) designation and has been an FRF team member for 17 years. Contact Crystal with any payment processing questions at This email address is being protected from spambots. You need JavaScript enabled to view it..

Tuesday, 06 September 2022 13:44

The Check Out 9-2-22

Greetings Members!

Happy Labor Day weekend! On behalf of the entire staff of the Florida Retail Federation, I want to thank all of you in the food industry for your constant hard work and dedication to keeping this crucial industry robust! We will continue to work hard and advocate on your behalf and we feel privileged to represent such an important industry. In addition, please note that we are now almost halfway through the 2022 Hurricane Season. While it has been relatively quiet so far, traditionally the fall months have been the busiest and so it is important to stay vigilant and make sure that your business is prepared for any tropical activity. As always, the Florida Retail Federation team will be present at the state Emergency Operations Center in Tallahassee for all named storms. For additional resources and information about how you can prepare your business, visit https://floridadisaster.biz/

Lorena A. Holley Vice President & General Counsel

ICYMI: FIC & FDACS Virtual Training Series: Employee Health & Clean Up of Vomiting & Diarrheal Events Available on Demand

WATCH HERE

Recent Updates From WIC
WIC recently notified participating WIC grocers in Florida that WIC has extended the temporary allowance for the issuance of a broader variety of formula.

Due to the continued shortages/unavailability of infant formula, Florida WIC will temporarily extend the allowance of larger can sizes and additional brands to allow participants to purchase the powder infant formula that can be found in the grocery stores until December 31, 2022.

Quaker Instant Oatmeal and Instant Grits Size Change
Recently, there have been box size and UPC changes on Quaker instant cereals. The 11.8 oz. Quaker Instant Oatmeal Original and the 12 oz. Quaker Grits Original have each been changed to a 9.8 oz. box size (10 packs per box). The new UPCs have been added to the Florida WIC approved product list. The new 9.8 oz. size of Quaker Instant Grits Original and 9.8 oz. size of Quaker Instant Oatmeal Original is currently able to be purchased by WIC clients.

Natural Disaster Panel Conversation
September 8, 2022 | 12:00-1:30 PM (ET)


In recognition of September’s Disaster Preparedness Month, we invite you to join the U.S. Department of Labor for a panel conversation with federal agencies and worker advocates about efforts and resources available to support workers affected by a natural disaster. The webinar is free to attend. The panel conversation will include representatives from:

  • US DOL, Wage and Hour Division (Host)
  • Federal Emergency Management Agency
  • Small Business Administration
  • US DOL, Occupational Safety and Health Administration
  • Worker Advocate Representative(s)

Register Here

National Supermarket Association-Florida & Sherwood Food Distributors to Host DSD Purchasing Event
September 14, 2022 | Miami Airport Convention Center


NSA Florida along with Sherwood Food Distributors' Miami Division is preparing the most successful “One Day” DSD purchasing and sales event. It will be the only Show to be held in South Florida in 2022. Our desire is to show off our best suppliers with an exclusive list of extremely hot deal buys on their Best-selling items. We will be packing the sales floor with enthusiastic customers traveling from all over the state and the Caribbean to take advantage of Truckload Buying Power in an effort to generate unbelievable sales numbers for everyone, as we have accomplished in previous years.



GetUpside rebrands as Upside
Raises $165M Series D to Transform Brick and Mortar Commerce
GetUpside, the retail technology company rebranded as Upside, announced that it has raised $65 million in equity financing and $100 million in debt financing from General Catalyst with participation from existing investors including Bessemer Ventures and Builders VC. This latest round brings Upside’s valuation to $1.5 billion. Upside is a two-sided marketplace platform that drives proven, incremental profit to businesses, while at the same time giving users more purchasing power on the things they need everyday. Over 50,000 grocery stores, restaurants, gas stations and convenience stores across the country have partnered with Upside, and 30 million consumers have access to Upside offers through its app and partner apps. To date, Upside has driven $550 million back into local communities, and has committed 1% of all revenue to sustainability initiatives related to its areas of operation.

LEARN MORE

Recalls & Safety Alerts
New this issue:

9/01/2022: GreenWise Animal Crackers(Toufayan Bakeries) - Undeclared coconut 8/31/2022: Albertsons Companies Ready Meals Cooked Shrimp with Cocktail Sauce and Snow Crab Legs Imitation Surimi - Undeclared fish allergen 8/30/2022: Tai Phat Wholesalers, LLCThree Golden Coins Dried whole or sliced mushrooms - Potential to be contaminated with Salmonella  8/29/2022: Keswick Creamery Various cheeses - Potential to be contaminated with Listeria monocytogenes

FDA Recalls



Does Your Current Workers Comp Policy Pay Dividends?
Ours Does.

The Florida Retail Federation’s For-Profit subsidiary, FRF Services, Inc. provides insurance coverage for members of the Florida Retail Federation’s Food Industry Council. Specialty programs have been created for the retail grocery industry to cover your business and offer a premium dividend on your Workers’ Compensation insurance coverage. Contact Jon Stolp at This email address is being protected from spambots. You need JavaScript enabled to view it. or click herefor more information or to request a quote today.

Interested in Becoming a Member of the Food Industry Council?

Florida Retail Federation has represented Florida's grocers for more than 80 years. We lead the way in educating, assisting, and advocating on behalf of Florida's grocers.

FIC has proven success in promoting business friendly practices while protecting Florida's retailers from unfavorable policy. We assist member companies in navigating regulatory issues and provide support and assistance during declared states of emergency and natural disasters. What is important to you is important to us. We are here to work for you.

For more information contact Lorena Holley at This email address is being protected from spambots. You need JavaScript enabled to view it. or (850)222-4082.

Thursday, 01 September 2022 15:51

Crystal Laake's Take - Processing News

On-Line Credit Card "Pay Now" Fraud

Would you allow a customer to walk into your store and hand you 5,000 or 10,000 credit cards and ask you to process one right after another? Of course not. If you have a website and accept payments with a “pay button” or shopping cart, the bad guys could be doing this right now in your “store”. Set up protective measures for your website just as you would your store front….

Card tumbling is when the bad guys use a legitimate merchant account to test stolen cards to see if they are “good” so they can sell them on the dark web to others who will commit fraud with those cards. Some of the biggest issues for a business who suffers this type of attack is the transaction fees which are nominal but after 5,000-10,000 authorization attempts, it results in a large monthly bill on the processing statement. Also, your business will receive numerous calls from cardholders asking why you charged their credit card. Your employees will have to spend time explaining the fraudsters attempt and that it wasn’t your business processing this. There are a number of ways to prevent this from happening to your website. The first and easiest is to establish a CAPTCHA (Completely Automated Public Turing test to tell Computers and Humans Apart). CAPTCHA is a security measured you see when you visit a website and must type in something you see on the screen or click on certain pictures with images in them. This extra step is to prevent a bot from using the website to complete a transaction instead of a human. There are other measures to also consider if the bad guys can evade the CAPTCHA. Through the back-office tools for your website or shopping cart you can utilize and set a transaction alert for a large number of attempts that fail. Watch for authorization attempts for a small dollar amount ($0.10, $1.00, $2.00). Analyze time zones that originate transactions. Most of these fraud attempts are coming from an IP address that is not consistent with your location or customer’s location. Look for excessive usage and bandwidth consumption from a single user. Multiple transactions with the same email address can also be a red flag.

If you have an IT person, discuss with them the potential risks of having the bad guys use your account for this type of activity. Having a business website is a great way to have a second sales channel or offer your customers a convenient way to pay. Either way, your website needs to be treated as an additional store front as it has the same risks and security concerns as your primary store. Don’t turn out the lights, go home and leave the front door unlocked!

Crystal Laake holds the Certified Payments Professional (CPP) designation and has been an FRF team member for 17 years. Contact Crystal with any payment processing questions at This email address is being protected from spambots. You need JavaScript enabled to view it..

FOR IMMEDIATE RELEASE
JULY 20, 2022
CONTACT: Amanda Bevis (202) 680-9262

Tallahassee, FL — School is almost back in session, and Florida retail stores are ready to help families cut costs on school supplies. Floridians can save money when shopping for school supplies during Florida’s 2022 Back-to-School Sales Tax holiday that begins Monday, July 25, and runs through Sunday, August 7.

“Tax savings on back-to-school items will provide welcome relief to Florida families,” said Scott Shalley, president and CEO of the Florida Retail Federation. “Stock up July 25 through August 7 at your local Florida retail store. Many stores are offering additional sales to help families find savings get what they need to succeed this school year. Remember to ‘Find It In Florida’ and support local retailers when shopping for back-to-school items.”

The following items are available for purchase tax-free from July 25 through August 7:

  • Clothing, footwear, and certain accessories with a sales price of $100 or less per item;
  • Certain school supplies with a sales price of $50 or less per item;
  • Learning aids and jigsaw puzzles with a sales price of $30 or less; and
  • Personal computers and certain computer-related accessories with a sales price of $1,500 or less, when purchased for noncommercial home or personal use.

Families can also find additional tax-free savings on the retail sale of children’s diapers and baby and toddler clothing, apparel, and footwear, now through June 30, 2023, and children’s books (children ages 12 or younger) through August 14, 2022.

A recent survey conducted by the National Retail Federation revealed that 25% of consumers have already started shopping for school supplies. As inflation continues to impact families, 38% of consumers plan to cut back spending in other areas to cover back-to-school purchases.

Total back-to-school spending this year is matched with 2021’s forecast of $37 billion. Households with children who are K-12 students will spend $864 on average on supplies for the new school year, approximately $15 more than last year. College students and their families will spend around $1,199 on average this year. Electronics remain the top spending category for back-to-school and college shopping.

There are more than 270,000 retail stores in Florida, and one in five jobs is tied to Florida retail. When shoppers “Find It In Florida" and shop local retailers, they help boost the local economy and support community businesses. Learn more about the "Find It In Florida" program at the website.

Visit www.fldoe.org to learn more about what you need to prepare and help your children return to school safely. For a full list of eligible tax-free supplies, please visit FloridaRevenue.com/BacktoSchool.

This year’s Back-to-School Sales Tax Holiday was established when Governor DeSantis signed HB 7071 into law on May 6.

ABOUT THE FLORIDA RETAIL FEDERATION
The Florida Retail Federation is the statewide trade association representing retailers -- the businesses that sell directly to consumers. Florida retailers provide one out of every five jobs in the state, pay more than $52 billion in wages annually, and collect and remit more than $35 billion in sales taxes for Florida’s government each year.

ABOUT THE NATIONAL RETAIL FEDERATION
NRF is the world’s largest retail trade association, representing discount and department stores, home goods and specialty stores, Main Street merchants, grocers, wholesalers, chain restaurants and internet retailers from the United States and more than 45 countries. Retail is the nation’s largest private-sector employer, supporting one in four U.S. jobs — 42 million working Americans. Contributing $2.6 trillion to annual GDP, retail is a daily barometer for the nation’s economy.

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FOR IMMEDIATE RELEASE
JUNE 27, 2022
CONTACT:  This email address is being protected from spambots. You need JavaScript enabled to view it. (202) 680-9262

Tallahassee, FL — The Florida Retail Federation encourages Floridians to take advantage of the cost savings and shop local during the second annual Freedom Week Tax-Free Holiday. Shoppers can make tax-free purchases on a large variety of outdoor and recreational supplies beginning this Friday.

“Now is the time for Floridians to enjoy a discount on summer fun,” said Scott Shalley, president and CEO of the Florida Retail Federation. “Thanks to the leadership of the Florida Legislature and Governor Ron DeSantis, shoppers can once again find tax-free savings on all eligible summer essentials during the 2022 Freedom Week Tax Holiday. Florida retailers are ready to help Floridians find what they need to make the most of their summer. Don’t forget to shop local and “Find It In Florida.” When you support Florida retail stores, you’re supporting Florida jobs and Florida families.”

The tax-free savings of the 2022 Freedom Week Sales Tax Holiday includes boating and activity supplies, camping and fishing gear, sporting equipment and entertainment, and more.

The tax holiday begins this Friday, July 1, and runs seven days through Thursday, July 7.

The criteria for tax-free savings on boating and water activities include:

  • The first $75 on the price of boating and water activity supplies;
  • The first $35 on the price of recreational pool tubes, floats, inflatable chairs and pool toys;
  • The first $50 on the price of safety flares;
  • The first $75 on life jackets and coolers;
  • The first $150 on the price of water skis, wakeboards, kneeboards, and recreational inflatable water tubes or floats;
  • The first $300 on the price of paddleboards and surfboards;
  • The first $500 on the price of canoes and kayaks;
  • The first $75 on the price of paddles and oars; and
  • The first $25 on the price of snorkels, goggles, and swimming masks.

Floridians may also enjoy tax-free purchases on the following camping supplies:

  • The first $200 on the purchase of tents;
  • The first $50 on the price of sleeping bags, portable hammocks, camping stoves, and collapsible camping chairs; and
  • The first $30 on the price of camping lanterns and flashlights.

Florida shoppers more interested in fishing can find savings on:

  • The first $75 on the price of individual rods and reels; or
  • The first $150 on the price of a set of rods and reels;
  • The first $30 on the price of tackle boxes or bags; and
  • The first $5 on the price of individual bait or fishing tackle; or 
  • The first $10 on the price of multiple bait and tackle items sold together.

Other recreational savings include tax-free purchases such as:

  • Up to the first $15 on the price of sunscreen or insect repellant;
  • The first $100 on a pair of sunglasses;
  • The first $200 on a pair of binoculars;
  • The first $30 on the price of water bottles;
  • The first $50 on the price of hydration packs;
  • The first $250 of the sales price of outdoor gas or charcoal grills;
  • The first $50 of the sales price of bicycle helmets;
  • The first $250 of the sales price of bicycles;
  • The first $100 on residential pool and spa replacement parts;
  • The first $150 on residential pool and spa chemicals; and
  • The first $40 on sports equipment.

Floridians can also save on equipment used for individual or team sports purposes. This does not include clothing or footwear selling for $40 or less.

Other items that you can purchase tax-free include the following events scheduled from July 1 through December 31, 2022:

  • Live music events;
  • Live sporting events;
  • Movies at the movie theater;
  • Entry to a museum, including annual passes;
  • Entry to a state park, including annual passes;
  • Entry to a ballet, play, or musical theatre performance;
  • Season tickets for ballets, plays, music events, or musical theatre performances;
  • Entry to a fair, festival, or cultural event; or
  • Access or use of private and/or membership clubs providing physical fitness facilities.

This year’s Freedom Week Tax-Free Holiday was established when Governor DeSantis signed HB 7071 into law on May 6.

The Florida Retail Federation encourages Floridians to shop local and" Find It In Florida" when browsing for their summer gear. Whether you enjoy camping, fishing, or just relaxing at the beach, when shoppers "Find It In Florida" and shop local retailers, they help boost the local economy and support community businesses. Learn more about the "Find It In Florida" program at the  website.

ABOUT  THE FLORIDA RETAIL FEDERATION
The Florida Retail Federation is the statewide trade association representing retailers -- the businesses that sell directly to consumers. Florida retailers provide one out of every five jobs in the state, pay more than $52 billion in wages annually, and collect and remit more than $20 billion in sales taxes for Florida’s government each year.

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Contact Us

+1(850)222-4082
Florida Retail Federation
227 South Adams St.
Tallahassee, FL 32301
info@frf.org