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hello David here at merchant accounts CA today Im going to talk about future delivery risk something that is a real challenge for travel merchants accommodation based merchants merchants with subscriptions and anybody that takes payment for something today that they provide in the future if you ever have had a problem with a payment processor where they have frozen your account or they have given you some sort of approval where its like hey well approve you let you start processing payments what were gonna hold back a percentage of your money for a period of time if youve ever been in any one of these situations its likely because you are a future delivery based merchant now in order for me to explain what future delivery is I have to first explain the chargeback rules Visa and MasterCard have a policy when you pay for something on your credit card youre just guaranteed as a cardholder to get it its one of the core principle protections of credit card processing now what happen