MRC Education Store

MRC education courses are created by industry experts, peer reviewed, and NASBA accredited. Apply payments, fraud prevention, and chargeback training toward industry certifications such as the CFE and the MRC's CPFPP.

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Master the art of payments orchestration with the Merchant Risk Council's exclusive Payments Orchestration Bundle. This comprehensive learning package is designed for professionals who want to optimize their payment processes, reduce friction, and stay ahead in the competitive payments landscape. Whether you’re new to payments orchestration or looking to refine your skills, this bundle provides essential knowledge and advanced tactics to take your expertise to the next level. What's Included? This bundle includes three on-demand courses, totaling 5.2 CPEs. Each course focuses on a critical aspect of payments orchestration. 1. Intro to Payments Orchestration Understand the fundamentals of payments orchestration, including the key components, benefits, and strategies that make an efficient and effective payments system. This course lays the groundwork for your journey into payments optimization. 2. Payments Orchestration: Smart Routing and Advanced Vaulting  Delve into advanced techniques for smart routing and vaulting. Learn how to intelligently route transactions to maximize success rates, and discover vaulting strategies that enhance security and compliance, ensuring a seamless payment experience for your customers. 3. Advanced Tactics for Transaction Optimization Explore cutting-edge tactics designed to optimize your transactions. This course covers the latest industry trends and strategies to reduce payment friction and increase approval rates, providing you with the tools to drive success in your payment processes. Program Details: Please view each course description for full program details. Program Level: Intermediate Program Field of Study: Specialized Knowledge Program Delivery Method: QAS Self Study CPE Credits: 5.2 Advanced Preparation and/or Pre-requisites: Payment Essentials is recommended. For more information regarding any concerns, please email us at programs@merchantriskcouncil.org.  Refunds and cancellations are determined on a case-by-case basis. Cancellations and requests for refunds must be communicated in writing to programs@merchantriskcouncil.org. Refunds will not be issued once a course has been started. Additionally, courses must be completed within one year of purchase. Merchant Risk Council is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have the final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org  Read more

The Chargeback Professional Certificate is designed to provide individuals with a comprehensive understanding of the chargeback ecosystem, from dispute prevention and representment to fraud mitigation and metric tracking. This program equips you with the skills and knowledge needed to lead chargeback operations, reduce losses, and navigate evolving card network rules and cardholder behavior.   Program Prerequisites        -   Payment Essentials       -   Fraud Essentials Program Requirements You must complete the following required courses included in the certificate:        -   Payment Essentials        -   Fraud Essentials        -   Chargeback Essentials        -   Chargeback Metrics and Management        -   Preventing and Fighting Common Chargebacks for Merchants        -   First-Party Misuse Essentials        -   Visa Compelling Evidence 3.0   Course Credits 6.8 CPEs (prerequisites) 13.7 CPEs (required)   Access The program must be completed within one year of purchase.   What You’ll Learn        1)   Define and classify chargebacks, first-party misuse, and friendly fraud        2)   Identify common causes of chargebacks and explore merchant prevention strategies        3)   Measure and analyze KPIs such as chargeback ratio, win rate, and dispute volumes        4)   Understand the requirements of Visa’s Compelling Evidence 3.0 framework        5)   Build effective representment packages using transaction and behavioral evidence        6)   Apply best practices to reduce fraud losses and operational burden across the chargeback lifecycle   Refunds and Cancellations Refunds and cancellations are determined on a case-by-case basis. Cancellations and requests for refunds must be communicated in writing to programs@merchantriskcouncil.org. Refunds will not be issued once a course has been started. Read more

The Fraud Prevention Professional Certificate is designed to provide you with knowledge and skills in metric tracking, signal evaluation, fraud modeling, and abuse mitigation, while also learning how to integrate data sources into modern fraud programs. You'll also gain an comprehensive understanding of fraud and the rapidly evolving threats from synthetic identities, refund abuse, AI driven attacks and bot-based fraud.    Program Prerequisites        -   Payment Essentials       -   Fraud Essentials   Program Requirements You must complete the following required courses included in the certificate:        -   Fraud in the Customer Journey        -   Fraud Key Performance Indicators (KPIs)        -   Preventing and Fighting Common Chargebacks for Merchants        -   Refund Fraud and Abuse        -   AI Fraud Attacks        -   Machine Learning for Fraud Prevention         -   Mobile Data Uses for Fraud Prevention        -   Geolocation Technology in the Fight Against Fraud        -   Bot Mitigation Strategies   Course Credits 6.8     CPEs (prerequisites) 16.1   CPEs (required)   Access The program must be completed within one year of purchase.   What You’ll Learn        1)   Identify fraud risks at key touchpoints across the customer journey        2)   Understand key fraud KPIs and how they inform strategy and performance        3)   Detect and respond to refund abuse, bot attacks, and common chargeback fraud        4)   Use mobile, device, and geolocation signals to verify users and spot anomalies        5)   Explore how machine learning and AI are used for both fraud attacks and defenses        6)   Mitigate risk while preserving conversion and customer experience        7)   Apply modern fraud mitigation frameworks that scale with business needs   Refunds and Cancellations Refunds and cancellations are determined on a case-by-case basis. Cancellations and requests for refunds must be communicated in writing to programs@merchantriskcouncil.org. Refunds will not be issued once a course has been started. Read more

The Payments Professional Certificate is designed to provide individuals with a comprehensive understanding of the modern payments ecosystem from foundational infrastructure and routing strategies to advanced fraud defenses and regulatory compliance. This program equips you with the technical and strategic insights needed to thrive in today’s complex payments landscape.   Program Prerequisites        -   Payment Essentials       -   Fraud Essentials   Program Requirements You must complete the following required courses included in the certificate:        -   Introduction to Payments Orchestration        -   Payments Orchestration and Optimization        -   Advanced Tactics for Transaction Optimization         -   Enhanced BIN for Payment Professionals        -   Payment Key Performance Indicators        -   Tokenization Essentials        -   Pay by Bank        -   EMV 3-D Secure Authentication         -   Payment Security and Compliance   Course Credits 14.2 CPEs   Access The program must be completed within one year of purchase.   What You’ll Learn        1)   Understand how payments orchestration streamlines processing and improves performance        2)   Identify smart routing and vaulting techniques to reduce costs and increase approval rates        3)   Track and improve payment KPIs such as conversion, fraud rate, and interchange impact        4)   Use enhanced BIN data to drive strategic decisions in routing, compliance, and optimization        5)   Implement tokenization and 3-D Secure authentication to balance fraud prevention and user experience        6)   Evaluate Pay by Bank and other open banking methods for lower-cost, low-risk payments        7)   Navigate the key requirements of PCI-DSS, SCA, and evolving global data regulations   Refunds and Cancellations Refunds and cancellations are determined on a case-by-case basis. Cancellations and requests for refunds must be communicated in writing to programs@merchantriskcouncil.org. Refunds will not be issued once a course has been started. Read more

The Account Takeover course is designed as your key to comprehending ATO's inner workings and its extensive repercussions. Course author and renowned cybersecurity master Mateusz Chrobok provides a thorough breakdown of the account takeover process, explores real-world use cases, and unveils emerging threats, all designed to equip you with the required skills to detect, prevent, and combat account takeover fraud. The Nethone ATO project was implemented thanks to funds obtained from European Funds under the Operational Programme Smart Growth 2014-2020. Who Should Enroll? Fraud prevention specialists working in fraud detection and prevention. Cybersecurity professionals who want to deepen their understanding of account takeover (ATO) tactics, detection, and prevention. Risk management professionals tasked with assessing and mitigating risks in digital environments. eCommerce managers who need to protect customer accounts from unauthorized access. Law enforcement personnel dealing with cybercrimes. Others who may find this course beneficial include banking and financial services employees, IT specialists and network administrators, and legal professionals specializing in cyber law. Program Details Program Level: Intermediate Program Field of Study: Specialized Knowledge Program Delivery Method: QAS Self Study CPE Credits: 1.5 Advanced Preparation and/or Pre-requisites: Fraud Essentials is recommended.  For more information regarding any concerns, please email us at programs@merchantriskcouncil.org.  Refunds and cancellations are determined on a case-by-case basis. Cancellations and requests for refunds must be communicated in writing to programs@merchantriskcouncil.org. Refunds will not be issued once a course has been started. Additionally, courses must be completed within one year of purchase. Merchant Risk Council is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have the final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org  Course Created: 09/19/2023 Updated: 04/22/2025 Read more

MRC Members receive exclusive pricing when accessed through the member portal.  The Advanced Tactics for Transaction Optimization course is a self-paced, intermediate program designed for payment professionals seeking to deepen their expertise in optimizing transaction processes within the eCommerce sphere. The Advanced Tactics for Transaction Optimization in eCommerce course is designed to provide eCommerce merchants with practical insights and strategies to enhance transaction efficiency, security, and success. This specialized course will focus on specific transaction optimization tactics, such as real-time account updater, dynamic retry, tokenization, account updater, MID/MCC switching, alternate routing, and removing optional data from the authorization message. Participants will gain an in-depth understanding of these tactics and learn how to implement them effectively to optimize their eCommerce transactions. Who Should Enroll? Payment managers seeking to enhance transaction success rates and security. eCommerce managers looking to understand and implement cutting-edge payment optimization strategies to drive business growth and customer satisfaction. Payment system developers aiming to integrate advanced optimization tactics for improved efficiency and security in eCommerce payment solutions. Fraud and risk management specialists seeking to enhance their strategies through advanced transaction optimization methods. Payment consultants looking to expand their toolkit with advanced optimization techniques for client success. Program Details Program Level: Intermediate Program Field of Study: Specialized Knowledge Program Delivery Method: QAS Self Study CPE Credits: 2.0 Advanced Preparation and/or Pre-requisites: Payment Essentials is recommended. For more information regarding any concerns, please email us at programs@merchantriskcouncil.org.  Refunds and cancellations are determined on a case-by-case basis. Cancellations and requests for refunds must be communicated in writing to programs@merchantriskcouncil.org. Refunds will not be issued once a course has been started. Additionally, courses must be completed within one year of purchase. Merchant Risk Council is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have the final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org  Course Created: 6/12/2024 Read more

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