Monica Eaton-Cardone

Monica Eaton-Cardone is co-founder and COO of

Recent Posts

What Does GDPR Mean for Your Business?

by Monica Eaton-Cardone on Apr 30, 2018 3:00:00 AM e-Commerce, Support Services, Marketing, Consumer, Consumer Protection, data breach

You’ve already got the right to say what you want and believe what you want. But, under new EU regulations, effective May 25, 2018, you will soon have the right to forget what you want, too.

The General Data Protection Regulation (GDPR) is the biggest overhaul of EU security policy in decades. Under the law, consumers will enjoy the “right to be forgotten,” meaning any EU citizen can request an entity destroy any personal data involving them “without undue delay.”

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The Top 5 Visa Claims Resolution Questions — Answered!

by Monica Eaton-Cardone on Mar 29, 2018 3:00:00 AM e-Commerce, Support Services, Customer Service, Consumer, Payment Processing

Chargebacks really haven’t changed all that much over the years. The dispute process at the beginning of 2018 was largely the same as when chargebacks were first introduced more than four decades ago. However, that’s all about to change.

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Running Down Amazon’s New Return Policy & Why It’s Not the Disaster Retailers Expect

by Monica Eaton-Cardone on Sep 25, 2017 11:27:47 AM e-Commerce, Retail

Amazon Marketplace sellers are in an uproar over the retail giant’s return policy. Some are going as far as to claim that new rules, which take effect October 2, will “crush” small businesses and force them out of the market.

With all the confusion and anger about these policy changes, I wanted to take this opportunity to look at them more closely. What are these new rules all about, and are they really the doomsday prophecy so many retailers are predicting?

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Mobile Payments: Traditional Tides Are Changing

by Monica Eaton-Cardone on Jun 21, 2017 9:34:39 AM Consumer Behavior

Retailers beware: A hesitancy to ride the wave of mobile payments could sink your business and submerge your sustainability. The traditional ebb and flow of card-centered purchases is on its way out to sea.

Trusting a mobile wallet, or near field communication (NFC) payment method, may seem dangerous, but your customers want it. And customers usually get what they want.

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eCommerce Trends: How Europe Compares to the US

by Monica Eaton-Cardone on Feb 27, 2017 9:00:00 AM e-Commerce

Examining eCommerce & Mobile Payments in Europe’s Largest Markets

Collectively, the European eCommerce market is substantially bigger than that of the US and Canada, with nearly 100 million more shoppers. However, despite their proximity to one another, there is a great range of diversity among those consumers—diversity that would be missed by a collective examination.

By comparing several of Europe’s largest eCommerce markets and their relationship to developing payment technologies, merchants and industry figures can piece together a much clearer picture.

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Retailers: Are You Agile Enough to Withstand What’s In Store for 2017?

by Monica Eaton-Cardone on Jan 9, 2017 3:00:00 PM Retail

With a new year upon us, it’s time to examine what is on the horizon for online retail. Where will the eCommerce environment lead us in 2017? What emerging technologies will prove to alter the way in which we conduct business? What practices are now outdated and how will retailers need to adjust for future success?

I anticipate the biggest change this year will be how retailers connect with customers—including the platform, channel, and even media through which different parties interact.

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Southeast Asia: The Next Major Consumer Market?

by Monica Eaton-Cardone on Dec 21, 2016 10:00:00 AM Consumer Behavior

There has been a great deal of industry discussion regarding the rapid growth of the consumer retail market in China in recent years. In fact, China is forecasted to become the world’s largest consumer economy by 2024 when it will reach $11 trillion in annual retail spending.

As China develops into a fully-matured consumer market though, growth will inevitably slow and stabilize. However, several other economies in the region are poised to show similarly dramatic growth in the next few years, and retailers should act now to position themselves in the right place at the right time.

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Best Practices for Integrating Conversational Commerce into Retail

by Monica Eaton-Cardone on Nov 16, 2016 2:00:00 PM Retail

Conversational commerce—it’s one of the hottest marketing topics of 2016, and to be honest, there is a lot here to be excited about.

Technologies such as chat and messaging apps are especially valuable to marketers when it comes to reaching out to highly-coveted Millennial and Gen-Z consumers. In response, app developers are sending signals that conversational commerce will only grow more promising, with the makers of Snapchat, Facebook, and others adding such features as mobile wallets, in-app payments, and more.

However, simply deploying bots is not enough to convince consumers to complete a purchase; that process will need to be optimized in order to be effective.

By adopting the following best practices, businesses can ensure that they make the most of these new opportunities. 

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Christmas in October: Pros & Cons of Early Holiday Sales

by Monica Eaton-Cardone on Oct 3, 2016 12:00:00 AM Digital Marketing, e-Commerce, Retail, Support Services

At this point, it’s somewhat of a cliché to comment that “the holidays just keep getting earlier each year.”

This year, the holiday shopping season crept right up into the end of the back-to-school season, with Walmart releasing its “25 Hottest Toys for the Holidays 2016” list on September 1. Now we have to ask—what are the benefits to retailers to continue pushing holiday shopping earlier, and is there a downside?

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European and U.S. Sales Tax Laws for Online Merchants

by Monica Eaton-Cardone on Sep 7, 2016 12:00:00 AM Digital Marketing, e-Commerce, International

Collecting and remitting sales tax is just one of the many responsibilities online merchants must deal with. Here is a basic outline of what merchants need to know and tips on abiding by local laws.

U.S. Sales Tax Laws

Determining which sales are subject to U.S. sales tax laws is pretty straightforward, thanks to a concept referred to as ‘nexus.’

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Risky Business: The Dangers of Offshore Merchant Accounts

by Monica Eaton-Cardone on Aug 8, 2016 12:00:00 AM DRTV, e-Commerce, Support Services

Friendly fraud has caused chargeback rates to soar, making acquirers more cautious about accepting risk liability. As a result, offshore payment processing is an enticing option for high-risk merchants who seem to be running out of domestic options.

While securing an offshore account might temporarily solve some of the merchant’s short-term problems, working with an international bank will likely introduce more complex issues down the road.

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Load Balancing: When it Works (and When It Doesn’t)

by Monica Eaton-Cardone on Jul 5, 2016 12:00:00 AM Support Services

Merchants who accept payment cards are probably aware that there are certain terms and restrictions associated with securing a merchant account and maintaining payment-processing capabilities.

Merchant accounts have definitely become a valuable asset for online merchants, and it’s important to make sure these assets are handled with care.

One element of payment processing that can either enhance or damage processing abilities is load balancing.

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Best Content Marketing Strategies to Boost Sales Conversions

by Monica Eaton-Cardone on Jun 7, 2016 12:00:00 AM Digital Marketing

By now, most businesses involved in both B2B and B2C sales understand the value of content marketing. By providing consistent content via platforms including social media, blogs, white papers, videos, and infographics, companies can engage their customers with the kind of information that boosts traffic and drives sales.

However, businesses need to leverage that content effectively in order to yield results.

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A New Advertising Leader in 2017: Digital to Surpass Television

by Monica Eaton-Cardone on May 2, 2016 12:00:00 AM Digital Marketing, DRTV, Consumer Behavior

The advertising world will never be the same again. History is being made, and records are being broken. Consumers have made their preferences known, and advertisers need to adjust if they want to retain the competitive edge.

A New Era of Advertising

According to a recent eMarketer study, 2017 is the year that digital ad spend will finally turn the tables on its cord-connected counterpart.

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Are Merchants Ready for the Mobile Commerce Revolution?

by Monica Eaton-Cardone on Apr 1, 2016 12:00:00 AM Digital Marketing, e-Commerce

While home computers have always maintained the upper hand when it comes to online shopping, mobile devices are quickly overtaking them as the dominant ecommerce platform.

According to figures released last month by IMRG, mobile sales accounted for 51 percent of all UK online sales during the 2015 holiday season. As mobile’s domination of ecommerce becomes increasingly solidified, merchants need to be sure they’re doing all that they can to stay ahead of the curve.

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‘Buy Now’ Ads: The eCommerce Miracle for Conversions?

by Monica Eaton-Cardone on Mar 3, 2016 12:00:00 AM Digital Marketing, e-Commerce, Retail, Support Services

With both mobile devices and social media now ubiquitous, e-retailers are tailoring their approach to cater to new, more savvy online shoppers. Click-to-buy ads are the hot new trend for increasing sales.

Are they really as great an ecommerce development as they seem?

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1st Quarter Problems: Low Sales, Returns, and Chargebacks

by Monica Eaton-Cardone on Jan 28, 2016 12:00:00 AM DRTV, Retail, Support Services

The holidays have come and gone. With the annual rush of consumer spending in the last two months of the year now behind us, we’re settled in for holiday season’s ugly backside: slow sales, returns, and chargebacks.

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The Liability Shift to EMV Payments Means Fraudsters Will Shift Online

by Monica Eaton-Cardone on Sep 3, 2015 9:00:00 PM

Technology is consistently evolving, and fraudsters are hardly struggling to keep up. Criminals are constantly coming up with new ways to scam both merchants and consumers out of money and product. With October nearing and the impending shift to EMV payment acceptance in the U.S. just around the corner, fraudsters aren’t backing down. They, too, are shifting focus.

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Friendly Fraud: The New Cyber-shoplifting

by Monica Eaton-Cardone on Aug 16, 2015 3:00:00 PM e-Commerce, Retail

Retailers who conduct business online face a multitude of challenges. While their reach can be global and their convenience an incentive, the separation from the customer can present new risks. Apart from sales, security is arguably the most important aspect of running an online business. Cyber security breaches and criminal fraud are most likely already on their radar, but what some e-commerce merchants don’t know is that there are security risks where they least expect it: their own customers are often committing fraud.

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Chargebacks and “Friendly” Fraud

by Monica Eaton-Cardone on Dec 8, 2014 8:00:00 PM ER Magazine, Digital Marketing, e-Commerce

The American Dream has long powered the aspirations of citizens with the idea that you can be whatever you want to be, work wherever you see fit, and succeed. Some might argue that with the growth of e-commerce, the American dream is now more attainable. But chargebacks rarely enter the preliminary calculations.

Let’s take a pair of hypothetical entrepreneurs. E-commerce’s seemingly low barriers to entry lured Mary and John Miller. As savvy marketers, they created a distinctive online retail presence for their brand. Slowly, they persuaded customers to shop with them, and in time, had a profitable online business.
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The statements, opinions, and advertisements expressed on the ERA Blog and other online entities owned by the Electronic Retailing Association are those of individual authors and companies and do not necessarily reflect the views of the Electronic Retailing Association.