#credit card processing declined

[edmontondebitmachine]

No fraudulent purchases

Fraud; Deceit; Trickery, An Imposter, a Cheat. To put it lightly, not a nice person.  If you’ve ever been a victim of fraud, you’re not alone. I had my bank account emptied right before Christmas one year when my daughter was little- I eventually got it back, but if it wasn’t for my mom still being around to lend me the money while I waited, I would have had to explain to my 5-year-old daughter…

[meme-loving-stuck]

I've been doing SO MUCH HARD STUFF lately and ZERO DOPAMINE REWARD has been issued!!!!!!!!!!!!!!!! I am owed at least a fucking WEEK of happiness or at the very least CONTENTMENT and i am gonna be PISSED OFF until i GET IT!!!!!!!!!!!!!!!!!!!!!!! GRRR

[mostlysignssomeportents]

How I got scammed

If you'd like an essay-formatted version of this post to read or share, here's a link to it on pluralistic.net, my surveillance-free, ad-free, tracker-free blog:

https://pluralistic.net/2024/02/05/cyber-dunning-kruger/#swiss-cheese-security

I wuz robbed.

More specifically, I was tricked by a phone-phisher pretending to be from my bank, and he convinced me to hand over my credit-card number, then did $8,000+ worth of fraud with it before I figured out what happened. And then he tried to do it again, a week later!

Here's what happened. Over the Christmas holiday, I traveled to New Orleans. The day we landed, I hit a Chase ATM in the French Quarter for some cash, but the machine declined the transaction. Later in the day, we passed a little credit-union's ATM and I used that one instead (I bank with a one-branch credit union and generally there's no fee to use another CU's ATM).

A couple days later, I got a call from my credit union. It was a weekend, during the holiday, and the guy who called was obviously working for my little CU's after-hours fraud contractor. I'd dealt with these folks before – they service a ton of little credit unions, and generally the call quality isn't great and the staff will often make mistakes like mispronouncing my credit union's name.

That's what happened here – the guy was on a terrible VOIP line and I had to ask him to readjust his mic before I could even understand him. He mispronounced my bank's name and then asked if I'd attempted to spend $1,000 at an Apple Store in NYC that day. No, I said, and groaned inwardly. What a pain in the ass. Obviously, I'd had my ATM card skimmed – either at the Chase ATM (maybe that was why the transaction failed), or at the other credit union's ATM (it had been a very cheap looking system).

I told the guy to block my card and we started going through the tedious business of running through recent transactions, verifying my identity, and so on. It dragged on and on. These were my last hours in New Orleans, and I'd left my family at home and gone out to see some of the pre-Mardi Gras krewe celebrations and get a muffalata, and I could tell that I was going to run out of time before I finished talking to this guy.

"Look," I said, "you've got all my details, you've frozen the card. I gotta go home and meet my family and head to the airport. I'll call you back on the after-hours number once I'm through security, all right?"

He was frustrated, but that was his problem. I hung up, got my sandwich, went to the airport, and we checked in. It was total chaos: an Alaska Air 737 Max had just lost its door-plug in mid-air and every Max in every airline's fleet had been grounded, so the check in was crammed with people trying to rebook. We got through to the gate and I sat down to call the CU's after-hours line. The person on the other end told me that she could only handle lost and stolen cards, not fraud, and given that I'd already frozen the card, I should just drop by the branch on Monday to get a new card.

We flew home, and later the next day, I logged into my account and made a list of all the fraudulent transactions and printed them out, and on Monday morning, I drove to the bank to deal with all the paperwork. The folks at the CU were even more pissed than I was. The fraud that run up to more than $8,000, and if Visa refused to take it out of the merchants where the card had been used, my little credit union would have to eat the loss.

I agreed and commiserated. I also pointed out that their outsource, after-hours fraud center bore some blame here: I'd canceled the card on Saturday but most of the fraud had taken place on Sunday. Something had gone wrong.

One cool thing about banking at a tiny credit-union is that you end up talking to people who have actual authority, responsibility and agency. It turned out the the woman who was processing my fraud paperwork was a VP, and she decided to look into it. A few minutes later she came back and told me that the fraud center had no record of having called me on Saturday.

"That was the fraudster," she said.

Oh, shit. I frantically rewound my conversation, trying to figure out if this could possibly be true. I hadn't given him anything apart from some very anodyne info, like what city I live in (which is in my Wikipedia entry), my date of birth (ditto), and the last four digits of my card.

Wait a sec.

He hadn't asked for the last four digits. He'd asked for the last seven digits. At the time, I'd found that very frustrating, but now – "The first nine digits are the same for every card you issue, right?" I asked the VP.

I'd given him my entire card number.

Goddammit.

The thing is, I know a lot about fraud. I'm writing an entire series of novels about this kind of scam:

https://us.macmillan.com/books/9781250865878/thebezzle

And most summers, I go to Defcon, and I always go to the "social engineering" competitions where an audience listens as a hacker in a soundproof booth cold-calls merchants (with the owner's permission) and tries to con whoever answers the phone into giving up important information.

But I'd been conned.

Now look, I knew I could be conned. I'd been conned before, 13 years ago, by a Twitter worm that successfully phished out of my password via DM:

https://locusmag.com/2010/05/cory-doctorow-persistence-pays-parasites/

That scam had required a miracle of timing. It started the day before, when I'd reset my phone to factory defaults and reinstalled all my apps. That same day, I'd published two big online features that a lot of people were talking about. The next morning, we were late getting out of the house, so by the time my wife and I dropped the kid at daycare and went to the coffee shop, it had a long line. Rather than wait in line with me, my wife sat down to read a newspaper, and so I pulled out my phone and found a Twitter DM from a friend asking "is this you?" with a URL.

Assuming this was something to do with those articles I'd published the day before, I clicked the link and got prompted for my Twitter login again. This had been happening all day because I'd done that mobile reinstall the day before and all my stored passwords had been wiped. I entered it but the page timed out. By that time, the coffees were ready. We sat and chatted for a bit, then went our own ways.

I was on my way to the office when I checked my phone again. I had a whole string of DMs from other friends. Each one read "is this you?" and had a URL.

Oh, shit, I'd been phished.

If I hadn't reinstalled my mobile OS the day before. If I hadn't published a pair of big articles the day before. If we hadn't been late getting out the door. If we had been a little more late getting out the door (so that I'd have seen the multiple DMs, which would have tipped me off).

There's a name for this in security circles: "Swiss-cheese security." Imagine multiple slices of Swiss cheese all stacked up, the holes in one slice blocked by the slice below it. All the slices move around and every now and again, a hole opens up that goes all the way through the stack. Zap!

The fraudster who tricked me out of my credit card number had Swiss cheese security on his side. Yes, he spoofed my bank's caller ID, but that wouldn't have been enough to fool me if I hadn't been on vacation, having just used a pair of dodgy ATMs, in a hurry and distracted. If the 737 Max disaster hadn't happened that day and I'd had more time at the gate, I'd have called my bank back. If my bank didn't use a slightly crappy outsource/out-of-hours fraud center that I'd already had sub-par experiences with. If, if, if.

The next Friday night, at 5:30PM, the fraudster called me back, pretending to be the bank's after-hours center. He told me my card had been compromised again. But: I hadn't removed my card from my wallet since I'd had it replaced. Also, it was half an hour after the bank closed for the long weekend, a very fraud-friendly time. And when I told him I'd call him back and asked for the after-hours fraud number, he got very threatening and warned me that because I'd now been notified about the fraud that any losses the bank suffered after I hung up the phone without completing the fraud protocol would be billed to me. I hung up on him. He called me back immediately. I hung up on him again and put my phone into do-not-disturb.

The following Tuesday, I called my bank and spoke to their head of risk-management. I went through everything I'd figured out about the fraudsters, and she told me that credit unions across America were being hit by this scam, by fraudsters who somehow knew CU customers' phone numbers and names, and which CU they banked at. This was key: my phone number is a reasonably well-kept secret. You can get it by spending money with Equifax or another nonconsensual doxing giant, but you can't just google it or get it at any of the free services. The fact that the fraudsters knew where I banked, knew my name, and had my phone number had really caused me to let down my guard.

The risk management person and I talked about how the credit union could mitigate this attack: for example, by better-training the after-hours card-loss staff to be on the alert for calls from people who had been contacted about supposed card fraud. We also went through the confusing phone-menu that had funneled me to the wrong department when I called in, and worked through alternate wording for the menu system that would be clearer (this is the best part about banking with a small CU – you can talk directly to the responsible person and have a productive discussion!). I even convinced her to buy a ticket to next summer's Defcon to attend the social engineering competitions.

There's a leak somewhere in the CU systems' supply chain. Maybe it's Zelle, or the small number of corresponding banks that CUs rely on for SWIFT transaction forwarding. Maybe it's even those after-hours fraud/card-loss centers. But all across the USA, CU customers are getting calls with spoofed caller IDs from fraudsters who know their registered phone numbers and where they bank.

I've been mulling this over for most of a month now, and one thing has really been eating at me: the way that AI is going to make this kind of problem much worse.

Not because AI is going to commit fraud, though.

One of the truest things I know about AI is: "we're nowhere near a place where bots can steal your job, we're certainly at the point where your boss can be suckered into firing you and replacing you with a bot that fails at doing your job":

https://pluralistic.net/2024/01/15/passive-income-brainworms/#four-hour-work-week

I trusted this fraudster specifically because I knew that the outsource, out-of-hours contractors my bank uses have crummy headsets, don't know how to pronounce my bank's name, and have long-ass, tedious, and pointless standardized questionnaires they run through when taking fraud reports. All of this created cover for the fraudster, whose plausibility was enhanced by the rough edges in his pitch - they didn't raise red flags.

As this kind of fraud reporting and fraud contacting is increasingly outsourced to AI, bank customers will be conditioned to dealing with semi-automated systems that make stupid mistakes, force you to repeat yourself, ask you questions they should already know the answers to, and so on. In other words, AI will groom bank customers to be phishing victims.

This is a mistake the finance sector keeps making. 15 years ago, Ben Laurie excoriated the UK banks for their "Verified By Visa" system, which validated credit card transactions by taking users to a third party site and requiring them to re-enter parts of their password there:

https://web.archive.org/web/20090331094020/http://www.links.org/?p=591

This is exactly how a phishing attack works. As Laurie pointed out, this was the banks training their customers to be phished.

I came close to getting phished again today, as it happens. I got back from Berlin on Friday and my suitcase was damaged in transit. I've been dealing with the airline, which means I've really been dealing with their third-party, outsource luggage-damage service. They have a terrible website, their emails are incoherent, and they officiously demand the same information over and over again.

This morning, I got a scam email asking me for more information to complete my damaged luggage claim. It was a terrible email, from a noreply@ email address, and it was vague, officious, and dishearteningly bureaucratic. For just a moment, my finger hovered over the phishing link, and then I looked a little closer.

On any other day, it wouldn't have had a chance. Today – right after I had my luggage wrecked, while I'm still jetlagged, and after days of dealing with my airline's terrible outsource partner – it almost worked.

So much fraud is a Swiss-cheese attack, and while companies can't close all the holes, they can stop creating new ones.

Meanwhile, I'll continue to post about it whenever I get scammed. I find the inner workings of scams to be fascinating, and it's also important to remind people that everyone is vulnerable sometimes, and scammers are willing to try endless variations until an attack lands at just the right place, at just the right time, in just the right way. If you think you can't get scammed, that makes you especially vulnerable:

https://pluralistic.net/2023/02/24/passive-income/#swiss-cheese-security

Image: Cryteria (modified) https://commons.wikimedia.org/wiki/File:HAL9000.svg

CC BY 3.0 https://creativecommons.org/licenses/by/3.0/deed.en

[london-ont-debit-machine]

No fraudulent purchases

Fraud; Deceit; Trickery, An Imposter, a Cheat. To put it lightly, not a nice person. Nochargebacks.ca provides an online gateway or payment gateway, giving you and your customers peace of mind. With a nochargebacks.ca payment gateway, your clientele can spend money on their credit cards all around the world, and you receive payment within hours instead of having to wait 6 to 8 weeks to see…

[myafterlifeisbetterthenyours]

what about Valentino, Vox and maybe Stolas when their card declines on a date,yk those couple of gut wrenching awkward seconds before their s/o nervously offers to pay. Thank you in advance if you take this up <3

Wait, what?!

Valentino

"I'm sorry sir, your card declined."

Val sat there for several moments, mind taking a minute as he'd never actually heard those words in that order directed at him.

Turning away from you, he'd stare at the server, the feline demon patiently standing there.

Val sat there for another minute, comprehending the utter fucking audacity of a bitch.

"Your fucking with me right?"

He asked, genuinely giving her a chance to back peddle.

When she just kept standing there, Val jumped to his feet, scowl flaring crossing his features.

"Bitch, I dont need a fucking card, I own the fucking building!" He screamed at her, the girl stumbling back.

He'd go off, snarling at the girl for disrupting your date night, and for something so fucking stupid.

By the end of his rant the restaurant owner had come out, trying to mediate the situation.

He'd chewing him out, asking what kind of incompetent shitheads he hired.

As he did, you'd approach, placing a hand on him. He'd spin around, prepared to snarl at someone, but quickly backed down, shoulders slumping.

You'd take his hand in your own, leading him back to your table, sitting down.

You'd sit in silence for a little while, the restaurant popping up with some 'Complementary Desserts', the two of you eating in silence before he sighed, taking your hand into his.

"I'm sorry for blowing up like that in front of you." He spoke softly.

He was always sure to keep a certain image for you. He did a lot of bad things, far more then even you knew about, as such he did his best to keep a certain image in your eyes.

And loosing his cool and screaming at some girl wasn't helping said Image.

You sighed, smiling as you squeezed his hand.

"It's alright, I'd probably lose my cool too if my employees asked me something like that."

Val chuckled at that, leaning in to kiss your hand.

"I could apologise to her if you'd like?" He asked softly.

To which you'd laugh, scoffing as you waved him off. "Please, as if. That dumb bitch asked you for a credit card in your own club."

At that Val broke into laughter, getting up and stantching you up, kissing you deeply as he carried you out of the restaurant, the two of you only kissing deeper as you left the restaurant, your kissing only getting more heated as you made it to your Limo.

Vox

The night had been set up so perfectly.

He'd gotten a reservation at an extremely classy joint, but not too classy. He wanted it to be like 'yeah, I've got a shit tone of money, but we can still talk without people glaring at us'. That kinda fancy.

So there you were, at the end of an incredible meal, the two of you dining on some very tasty deserts when Vox had given his card, a Luxury very few in Hell had, to pay for your meal.

And as the server came back, the man expecting to be given his card back, instead the server leaned in, speaking those simple words.

"I'm sorry sir, your card was declined."

The Television headed Demon froze, screen glitching as he processed what the actual Hell they'd just said.

Vox turned to the server, staring at them for several moments before he got up, grabbing the server before getting up, and spinning them around, growling at him what the fuck he meant.

He fucking dragged the server away, getting the fucking manager, the two having an exceptionally unsubtle screaming match in the kitchen at the insult to him, Vox, fucking King Teck of Hell, having his fucking card brought back.

After some apologetic words from the manager and getting your meal comped, he'd return.

He'd act as though nothing happened, the man acting all cool and composed, while you just went along with it, finishing your deserts.

And despite the incident, you'd go on to have a lovely night, the man taking you back to his place where you ended the night on a spectacular note.

You had tea, and suggled on a couch and just shared some wholesome intimacy.

Stolas

The night was going incredibly.

You'd been enjoying your meal, talking and laughing, telling stories and jokes, it felt like the science block of a highschool, cause you had chemistry.

The night was going so well, that he was barely aware when he paid the bill, the man in the middle of a hilarious story when the server came back.

"Your card was declined."

He spoke bluntly, with no tact whatsoever.

Stolas froze, head snapping up at him, a frown quickly crossing his face as he stared at the server, the man simply staring back, hand extended, clearly expecting payment.

And so, without missing a beat, Stolas raised his hand, still with a frown, he'd wave his hand, a portal about the size of a dinner plate appearing besides him, before he simply reached in, before pulling out a sack, dropping it before him, the sack opening to reveal a small stack of golden coins.

Pulling out a few he dropped them into there servers hand, telling him bluntly.

"For the bill. No tip."

The server, grumbling to himself, turned and left, the man growling all the way.

Clearing his throat, he'd adjust his attire before turning back to you, finishing his story.

You'd go on to have another desert, Stolas paying with gold, expecting full change.

Which he'd get, with a saide of stink eye from the man.

After the desert and another glass of wine, you'd head back to his, and after another bottle of wine, you'd end up sleeping together.

No, not sex. You'd curl up on one of Stolas' more comfortable couches, the big owl man holding you close, the events of the night long gone from your mind as you slept the night away, comfy and happy in his embrace.

[mintmatcha]

-cw: reader has health issues

Overdue. Overdue. Overdue. They all bore into you with their bright, red letters. Each letter urges payment, warns of dire consequence, all topped with the same name: Kita Shinsuke.

It takes three reads through for the information to feel real. Credit cards, doctor's bills, the fucking house- all of it spread across the tiny, oak desk in Kita's office, tucked away where he didn't want you to see.

The door creaks open and you whip around, no longer afraid of being caught.

"Shinsuke."

Kita takes a breath, so deep and sudden that his shoulders bounce up, but he lets it go slowly. His expression returns to its usual placid self, if not a bit more crinkled at the eyes. In two steps, he's to you, swiping away the evidence of his wrongdoing.

"I told you not to look through that, darlin'." His voice is soft, uplifted, like your lives aren't on the brink of collapse. "You don't gotta worry about that."

"Worry? Worry? This is--" Your own breath is much, much shakier. "Shinsuke, this is-- this is bad."

He tucks the envelopes back to where you found them and you can't help but notice a quiver in his hands. Shinsuke, your Shinsuke, unflappable, stable Shinsuke, is shaking.

"It just wasn't a good season." His smile never falters. "Things will be better after the next harvest."

"We're going to lose the house-"

"Darlin'." He holds his hands up, palms to you. "It's okay."

It's not. Your mind is already racing; it's your fault, of course. When your physical and mental health declined, Shinsuke had offered to be the sole provider. When you accepted, you hadn't thought it would be putting such a strain on him, but, looking back... the medical bills, the medications: none of it is cheap.

"My surgery alone was-"

He cuts you off. "Don't."

But you're already halfway out the door.

"I'm canceling my doctor's appointments-" Your cellphone is on the kitchen table and you're at the top of the stairs. "We can't afford this-"

Kita stops you with a hand around your wrist. He doesn't tug, but he holds, stopping you from descending. A wave of nausea hit you as your brain finally begins to process the numbers.

"No."

You take a breath. Then, another. Neither center you.

"This isn't a discussion, Shinsuke."

"You're right. There's no discussion." His face is set, deeply serious. His eyes are wide, terracotta against his ever graying hair, so young and so old all at once. "You are going to your appointments and getting what you need. We'll pay for it."

Every emotion inside of you feels carbonated- stimulated, rising, and no where to go. "We can't fucking afford it."

Kita blinks at the curse, flinching at the shock. After a pause, he opens his mouth to speak, only for a warbled sound to come out. The tremble of his lower lip shocks you, as does the wet threatening to spill over his waterline. Instinctively, you reach for him, and he does the same, holding you at arms distance.

"I don't care." His voice is barely whole. "I'd rather lose the house."

"You don't mean that." You grip on to his shirt and it wrinkles in your hands. It's tattered at the edge, hand sewn as a temporary fix. "Your grandfather's house."

Kita sniffles. He tries to smile, but it falls flat immediately after.

"I'm so sorry that I failed you as a husband." He says, more stern than you ever thought possible, while being so brittle. "But I'd sell the clothes off my back before I did anything to sacrifice your health."

The anger inside you hasn't died, but you're able to tuck it away and hold on to the love you feel.

"Don't say that," you say. "If I was healthy-"

"I failed because you feel like that."

[kikyoupdates]

Love Bite ⭑˚🩸⭑ 𝑓𝑖𝑟𝑠𝑡 𝑏𝑖𝑡𝑒

yandere!vampires x f!reader

yandere, reverse harem, original characters, vampire!ocs x fem!reader

Desperate for money to pay off your debts, you sign up for a program that allows you to sell your blood to vampires. At first, everything is fine, and you’re finally able to make ends meet. But they soon begin craving more than just your blood.

story masterlist | next

Certain people are dealt a shittier hand in life than others, and unfortunately, you are one of those people.

Life has never been easy for you. As far back as you can remember, it's been one shitstorm after the other. Your parents are as good as dead to you, because all they ever did was make reckless choices and run away, leaving you to clean up their mess. That's how, at the young age of twenty, you've already got more debt than the average person could ever fathom.

Still, you make do. You hustle as best you can to get through one day and move on to the next. It's exhausting, and sometimes it feels like you're ready to give up, but against all odds, you persevere.

"That'll be 50 credits," the cashier says.

You let out a sigh and give her your card. Everything is so goddamn expensive these days. Even a simple grocery trip feels like a big slap in the face.

"Oh. Sorry," she blinks. "It's been declined. Do you have any other form of payment on hand?"

Shit. This one too?

You mumble an apology and dig through your wallet again. Thankfully, you happen to have enough cash to cover the cost. Just barely.

"Thank you for shopping with us," the cashier recites monotonously. She packs your groceries in a bag and hands it to you, then gestures for the next customer to step forward.

You leave the store the same as always, feeling worn-down and discouraged. You'll have to apply for a new card, but who knows when they'll send it to you. Goddammit. You're already scraping the bottom of the barrel as is. You hardly have enough emergency savings to last until then.

It's a shitty day, and unfortunately for you, it's about to get even worse.

"[Name]," a distinct, familiar voice mutters. You flinch at the sound, nearly dropping your grocery bag in the process. There's a man standing outside your apartment complex. A man that always makes your stomach crease in discomfort.

You instinctively step back. "I don't want any trouble, Johnny. Please, can I just get through?"

He ignores you and walks over, and while you stand there, stiff from fright, he peeks into your grocery bag and hums, visibly amused.

"Not exactly a lavish dinner," he chuckles. "But I guess you've got no choice but to be frugal, huh?"

"I just want to go home," you plead. "Please. Don't do this."

Alas, Johnny has never been one to give a shit about your circumstances, and today is no exception.

"I haven't been getting the money you promised me," he glares. "You've been late on your payments, and I'm really starting to lose my patience here."

You try to protest, but he wraps his hand around your throat and forcibly pins you against a wall. He isn't applying too much pressure, not yet, but the threat is there all the same.

"You owe me money, [Name]." His pupils constrict, a telltale sign that he's furious. "I'm done with your shitty excuses. If you can't make good on your promises, then you pay the price. This is the way the world works."

He holds you there, just so he can watch you whimper and cower in fear, then he eventually releases his hold on you and steps away.

"I'm giving you one more week," he says. "If you don't come up with the amount we agreed on in one week, I might seriously have to kill you. And don't even think of running away like your parents did. I'm sure as hell not gonna make the same mistake twice."

Johnny walks off with a steady, relaxed gait and his hands buried in his pockets. It's that easy for him. He can threaten an innocent woman and not think anything of it, the sick bastard.

You sniffle and resist the urge to cry. Fuck your parents. All they ever did was ruin your life. You have no idea where they're hiding right now, but for their own sake, they had better not show their faces around you ever again.

Still. There's no point in lamenting what can't be changed. Your parents are gone. It's up to you to remedy this situation and pay that disgusting loan shark back.

The question is, how?

How in the world will you pull that off? You barely make enough to eat two meals a day and cover your rent, let alone the steep cost of your debts.

It just seems like a lost cause. You've been working yourself to the bone, but you still can't even make a dent in what your parents owe. It's all too much to bear. It makes you want to forfeit your life entirely. At least then, you might finally be able to rest in peace.

Weighed down by the hopelessness of your situation, you trudge into your crappy studio apartment, chuck the groceries in the fridge, and plop down on the couch, defeated.

I guess it's time to look for another job. Something I can squeeze into my schedule. I can probably survive without sleeping a few days in a row, right?

You chuckle brokenly and scroll through your phone, looking for anything you might have a shot at. Finding a good job in this city is yet another hopeless dream for someone like you, who didn't go to college and doesn't have any other notable qualifications. All of your current jobs may as well be paying you dirt, which is why you can never meet Johnny's ridiculous demands.

You're just about to give up and go make yourself a rather pathetic dinner, when suddenly, something catches your eye.

[𝗡𝗘𝗪 𝗣𝗥𝗢𝗚𝗥𝗔𝗠 𝗟𝗔𝗨𝗡𝗖𝗛]: 𝗕𝗹𝗼𝗼𝗱 𝗱𝗼𝗻𝗼𝗿𝘀 𝘄𝗮𝗻𝘁𝗲𝗱. 𝗦𝘂𝗰𝗰𝗲𝘀𝘀𝗳𝘂𝗹 𝗮𝗽𝗽𝗹𝗶𝗰𝗮𝗻𝘁𝘀 𝘄𝗶𝗹𝗹 𝗰𝗼𝗼𝗽𝗲𝗿𝗮𝘁𝗲 𝘄𝗶𝘁𝗵 𝘃𝗮𝗺𝗽𝗶𝗿𝗲 𝗰𝗶𝘁𝗶𝘇𝗲𝗻𝘀 𝗼𝗻 𝗮𝗻 𝗮𝘀-𝗻𝗲𝗲𝗱𝗲𝗱 𝗯𝗮𝘀𝗶𝘀.

Vampires. Not long ago, a law was passed, granting vampires access to the city. More and more of them seem to be moving here, the central hub of the country. Of course, most people felt uncomfortable with this change, but it seems to be a necessary step in fighting back against years of discrimination. Humans naturally fear vampires, and the government is doing everything it can to integrate them into society.

Since drinking blood by force is considered a crime, this program is most likely a way for vampires to obtain their blood safely and without any consequence, just so long as people are willing to sign up for it.

You take a moment to assess your situation. You have almost no money to your name, and there's a greedy loan shark that's just itching to torture you if you fail to pay him back in time. If you don't get some money, and fast, you're probably headed for the afterlife.

That being said, you've never encountered a vampire before. You've heard all sorts of horror stories about them. That they're physically stronger than humans, have more acute senses, and could easily bludgeon you to death if they wanted to.

But even if that's actually true, how is it any different than what Johnny will do to you if you don't pay him back?

You press your lips together. Perhaps there's no harm in trying at least once and seeing how it'll go. It's not like you're guaranteed to get accepted for the program anyways. And besides, this is being implemented by the government, so surely, they won't allow any humans to come to harm in the process.

Above all else, you are incredibly desperate, with very little to lose.

So, you decide to take a gamble.

𝗔𝗣𝗣𝗟𝗬 [𝗫]?

...

Your luck might finally be changing for the better, or maybe they're just desperate for applicants, but either way, you got the job.

It was a bit tedious. The screening process was rather lengthy, and they made you do quite a few medical tests to ensure you didn't have any infectious diseases or anything like that. You suppose having a clean bill of health is the one thing required for this position, considering you'll be giving your blood to someone else. Thankfully, even though your life is shit, you've always been rather sturdy, which is the only reason you've lasted this long.

You're currently walking through a glossy white corridor. The building you're in is polished and sleek, some kind of medical company that's been researching vampires for quite a long time. They call themselves Plasma Inc., which is a bit tacky, but you're certainly in no position to judge.

The doctor escorting you holds a clipboard against his chest, and glances over at you every so often.

"We're almost there," he says. After a brief pause, he adds, "There's no need to be nervous."

Honestly, you're a little nervous, but only because you've never done this before. Giving your blood to a vampire... it all sounds so farfetched. You really didn't think this was something you'd ever be doing.

But beggars can't afford to be choosers.

"For the client's privacy and peace of mind, there aren't any cameras inside the room. We will not be able to see or hear anything that happens in there. You signed the confidentiality clause, so please keep in mind that you will be liable for any private information that you happen to disclose."

You knew as much going into this. There's no point in psyching yourself out. Everything's going to be fine. This is all perfectly safe.

...it should be, at least.

"Whenever you're ready," the doctor says. He's stopped in front of a door, and you instinctively gulp as you imagine what—or rather, who—is on the other side.

Okay, then. No reason to back out now. You chose this. It's a desperate measure, and sure, you'll lose a bit of blood in the process, but if it helps you pay off your debt and get back on your feet, then it's easily worth it.

"I'm ready," you say.

The doctor nods briefly, offers you an encouraging smile, then opens the door.

It closes behind you right away, and your eyes instinctively search the room until they land on a motionless, seated figure.

It's a man. Well, a vampire, but still a man. Deep down, you'd been hoping that it might be a woman. A man seems somewhat more intimidating, although you suppose all vampires are stronger than humans, so it wouldn't have made a difference either way.

He's beautiful, though. Vampires are scarce in numbers, and they don't usually go out during the day, so it's unlikely that you would have ever passed by one. But you've only ever heard people speak of them in frightening terms. Never in a million years did you imagine they'd be so utterly gorgeous. Or perhaps this particular vampire is simply an exception.

You don't quite realize how much time you've spent fawning over his appearance until he suddenly stands up.

Instinctively, you flinch, and it's clear that it doesn't go unnoticed.

He narrows his eyes. "If you're not comfortable doing this, you're welcome to leave. I was told that the humans who signed up for this program were all completely willing. I have no intention of taking your blood without your full cooperation."

"Oh. S-Sorry," you stammer. "I'm not uncomfortable. I guess I'm just a little bit starstruck. It's my first time meeting a vampire."

"There's no need to gawk at me. I'm not some animal trapped inside a cage."

He has a rather harsh tongue, but again, you're in no position to judge. Perhaps your reaction offended him, unintentional as it may have been.

"Sorry," you say again, then you offer him a weak smile. "Um... I'm [Name]. I'm not really sure what the etiquette for this sort of thing is, but it's nice to meet you."

It takes him a while to respond. He studies you quietly with those mesmerizing eyes of his, and the silence is awkward, to say the least.

"I'm Xavier," he finally replies. He frowns a bit. "But I didn't come here to chat. If you're ready, I'll like to move on with this as soon as possible."

Right. He's here for the same reason you are. It's not an opportunity for the two of you to exchange pleasantries.

You're here to sell your blood, and he's here to drink it.

"Okay," you swallow. Now that it's come down to it, you can feel your heart beating faster by the second. But this is fine. This is nothing. Compared to all the shit you've already been through, this may as well be a walk in the park.

You walk over to him, taking slow, careful steps, then you sit down in one of the chairs. He does the same, staring at you without blinking the whole time. You watch as he shuffles a bit closer, and he uses his fingers to pull down the collar of your shirt slightly. You shiver at the sensation of his skin brushing against yours. God, his hands are cold.

Xavier stares right into your eyes. "This is your last chance to back out. If you tell me to stop now, I will, but otherwise, I'll take it that you've agreed to move on."

"I'm fine," you reassure. Despite the fact that your stomach is a bundle of nerves right now, you're determined to press on. You need this. There's simply no other option.

You'll do whatever it takes to live on, even if it means selling the very essence that grants you life in the first place.

"Okay," Xavier says, and he wraps an arm around your waist, pulling you closer. His jaw unhinges, and the last thing you see before you squeeze your eyes shut is the pearly-white color of his bright, glistening fangs.

He bites into your neck.  

story masterlist | next

More Chapters are available on Quotev or Wattpad!!

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🩸 main masterlist ♡ character appearances

[sagesskies]

Milan DAMN girl you have every mental illness in the book, but youre hot and rich tho so wanna be my sugar daddy?

Milan pauses, the cool surface of the teacup brushing against his lips. Grey eyes blank as he processes the words just spoken.

He's heard of the concept, sugar daddies and their... babies. He knows many of his father's friends, the ones who are single and the ones who are still married, are sugar daddies themselves, but has never seen the appeal in it.

Love earned not through warm, affectionate words and actions, but instead, through cold, hard cash and expensive gifts was not something he found himself ever wanting for, no matter how desperate he became for a boyfriend.

It wouldn't be real. Each honeyed word spoken would be a lie that he'd be wasting his money listening to, and each gentle caress would be frigid and forced. Milan was tired of the cold masks that his business partners put on to appease him. To receive the same treatment from a romantic partner? Somebody he was meant to love? To hold? To trust wholeheartedly? No, thank you.

But... he glances at [Name], working within the bakery, singing along to whatever cheesy love song is playing from the speakers, and as radiant as ever.

Milan remembers the file being handed over to him, the papers detailing [Name]'s financial records, anything from his income to what credit cards he had, all in three pages. What caught his eye was the college debt, which he still struggled to pay.

He recalls the time that he saw [Name] behind the till, hair disheveled, clothes a bit wrinkled, eyes surrounded by dark circles. He was zoning out the entire day but at the same time easily spooked and, as agitated as a deer aware that it was being hunted. He could infer what was bothering him, [Name] were struggling to pay rent, his job at the bakery wasn't paying enough but it was the only job he could get, and there was still the debt from college.

Milan tried to get him to say it so he could readily make himself available to [Name] as an option, a savior of sorts. He wants to repay him for all the good he's done him, and it won't cost him more than a couple thousand to pay off his debt. But [Name] was stubborn and kept changing the subject, so he took the hint and played along.

He wouldn't mind being [Name]'s sugar daddy, Milan is sure that the younger man would be too nice to actually fake it. Besides, he likes Milan enough, doesn't he? Anything that [Name] would show will be real, to the point that it'll feel like just two friends hanging out with money as the bonus. Regardless of how much he wishes that the two of them could be more.

Maybe, just maybe, if Milan pays him enough, [Name] would be willing to do just a bit more for him. A bit of skin, a sultry gaze, a mischievous smirk. A warm hand running along Milan's throat, teasingly caressing his adam's apple before wrapping tightly around it and-

Milan clears his throat, hoping that you don't see how the tip of his ears turn red. He takes a sip of his tea, "I... appreciate the sentiment, but I must decline," He glances back at [Name], a dark storm brewing in his grey eyes. There was somebody else he wanted.

Maybe money can't buy him your love, but desperation may just force you right into his grasp.

[amonsteronmaplestreet]

Let me tell you a story.

A month ago, I'm at Target, and my card gets declined. This is odd, because I've just been paid. Try to run it multiple times and it's declined each time. Finally, I check my bank and see their system is down for maintenance, so I leave without buying anything.

The next day, I see that ALL OF THE ATTEMPTS TO CHARGE MY CARD WENT THROUGH.

What follows is a four day process of me going back and forth between Target (which has zero record of the transactions) and my bank trying to get both the charges and the resulting overdraft fees refunded. Finally, I get some dispute credits and the fees reversed.

Yesterday, two of the credits were reversed and I was overdrafted. Bank claims the credits were reversed because Target says it issued a refund. Target says they still have no record of any of this.

Currently trying to sort this out, but I am now in the process of switching. I essentially need to start over from scratch now, so I would greatly appreciate it if any of you would be willing to help out via my Patreon or Ko-Fi. You can get subscription, buy ebooks from the connected shops, or simply make a one-time donation.

Anything helps. Thank you very much.

Patreon.com/SeannWritesStuff

Ko-Fi.com/SeannB

[noonartist]

COMMISSIONS ARE OPEN!

hey there! i'm opening emergency commissions, as i really need money for my rent, education and basic needs, and i don't have an income right now. if you're not interested in ordering, kindly reblog this, it helps a lot. you can also send me a tip via hipolink or boosty. thank you!

✦ SLOTS ARE LIMITED 8 out of 8 open at the moment

to order, please contact me via private messages here!

✦ my nsfw blog ✦ my bsky ✦ my hipolink ✦ my boosty

↓ more info under the cut ↓

so, what can you get?

prices listed below are for a single character without a background ✦ SKETCH (color can be added for extra $5) portrait - $10 halfbody - $15 fullbody - $20

✦ LINE ART portrait - $20 halfbody - $25 fullbody - $30

✦ FLAT COLOR portrait - $35 halfbody - $45 fullbody - $60

✦ FULL RENDER portrait - $50 halfbody - $65 fullbody - $85

✦ NSFW $25 extra

✦ EXTRA CHARACTER + 90% of the price

✦ VERY COMPLEX CHARACTERS i might charge extra

✦ BACKGROUND the background in the twilight sparkle pic you can see above will cost about $10 extra. more complex backgrounds can be discussed a simple background (example: a simple color, a gradient, a circle behind the character, etc.) is free

✦ ADJUSTMENTS more than 3 corrections (throughout the whole process): will be charged extra $5 per correction

---

✦ WHAT I NEED FROM YOU a detailed description of what you want. got any kind of visual references or a sketch of an idea that you have in mind? that's even better!

---

✦ WILL DO fanarts, ocs. humans, furries, robots, children, animals. can do real people (only sfw), can also illustrate something. comics/sequences are to be discussed

✦ WON'T DO heavy gore, eroguro, pedo stuff, hardcore kinks, mecha, cars, hateful imagery, politics (i might decline an idea not included in this list)

---

✦ PAYMENT (in USD, payed upfront) via hipolink (accepts paypal) via boosty (accepts credit cards) please note that i can't do refunds

✦ DEADLINE about 2-3 weeks, depending on how complex the order is and how busy i am

---

if you have any questions, feel free to message me :) let me know what you have in mind and we'll try to make it work!

if you're not interested in ordering a commission, kindly share the post!

thank you so much! 💖

[nachfo]

COMMISSIONS ARE OPEN!

Ko-fi

Will Draw: Anthro/Human Slugcats/Creatures Semi-anthro Might draw: Horror/Gore Feral Animals Won't draw: NSFW Hate speech/Discrimination Super complex backgrounds/Full landscapes Armor Anything i'm uncomfortable with drawing

TOS:

I'm in all my right to decline a request for any reason.

Credit me when reposting the artwork or sharing it with

others. This also applies to profile pictures and banners.

You can use my art for any personal purposes but it is

completely prohibited to use my art for any bussines

purposes or to resell it.

You are NOT allowed to use my art for NFT's or AI.

By commissioning me, you give me full permission to

use the artwork made aswell.

Communication is priority as I will constatly be showing the WIPs so that I can have your approval to continue. If i don't get an answer after 3 days i will continue working on the artwork without your input.

PAYMENT/PROCESS:

Payment will be done through Paypal or through Ko-fi.

Steam gift cards and discord nitro as payment can be discussed.

I will receive 50% of the total amount to pay before starting and the remaining 50% after the commission is fully done.

Once the artwork is fully done i won't do any further changes.

Prices might vary in certain cases. This will all be discussed.

Commissions will take around 1 or 2 weeks. If the commission will take longer than that I will notify you.

Emotes will take shorter time to make.

CONTACT:

Contact me throught Discord: nachfo

This is how we'll maintain contant through the whole process.

After the commision is done, I'll close the DM and unfriend you.

You can dm me about the process of the comm but please don't harass me with it or in any way. If this happens, I will block contact and the commission will be stopped.

Please, you are NOT my friend (unless you actually are) so I'll keep it as formal as possible. Please don't try to bond with me or be friends. I will tell you you're making me uncomfortable and deny the comm.

[the-garbanzo-annex-jr]

"I’m pleased to announce that today PayPal committed to me that it no longer services this entity," he said. "For American companies, national security should be more important than the bottom line. Doing business with fiscal sponsors of Palestinian terrorists is not acceptable."

The revelation is the latest blow to Alliance for Global Justice's ability to rake in cash for itself and the 140 organizations it fiscally sponsors, including Samidoun, which has shared staffers with the Popular Front, according to Zachor Legal Institute, a think tank that contacted the Treasury Department and IRS about companies working with the Arizona group. Alliance for Global Justice also sponsors the Palestinian Campaign for the Academic and Cultural Boycott of Israel, a coalition accused of having terror ties that the Democratic fundraising giant ActBlue recently booted off its platform.

AFGJ had to move its fundraising operation to PayPal after Stripe, the Irish-American payment processor that handled $817 billion transactions in 2022, parted ways with it in early September. Salsa Labs stopped working with AFGJ in February, prompting the Arizona charity to put out a 1,000-word statement urging donors to send paper checks. Watchdogs, including Israel's NGO Monitor, have also zoned in on how AFGJ has sponsored Collectif Palestine Vaincra, which it says has coordinated with the Popular Front for a child "indoctrination" camp in the Gaza Strip.

AFGJ's online fundraising portal now produces an error that reads, "Your payment has been declined," when the donation button is pressed. The organization, which did not return a Washington Examiner request for comment, published a press release on its website noting that its projects have "found themselves to be targets of right-wing media attacks.

"The accusations caused financial institutions to cancel AFGJ’s contracts for accepting credit card donations for itself and its projects, distributing funds to projects, and carrying on other vital forms of business, without any investigation or due process by the banks," Alliance for Global Justice said this week. "AFGJ and its 140 fiscally-sponsored projects were suddenly de-platformed, blocked, from using these services. Projects that depend upon these tools have seen their payrolls, rent payments, and other critical financial transactions blocked."

[acceptccnow]

Advancements in E-Commerce Credit Card Processing Techniques

Article by Jonathan Bomser | CEO | Accept-Credit-Cards-Now.com

The digital realm of e-commerce is a constantly shifting landscape, adapting to meet the ever-evolving needs of contemporary consumers. In today's age, the seamless acceptance of credit card payments remains a critical element for businesses. This article explores the most recent strides in e-commerce credit card processing techniques and their transformative impact on the operations of online businesses.

DOWNLOAD THE ADVANCEMENTS IN E-COMMERCE INFOGRAPHIC HERE

The Evolution of E-Commerce Credit Card Processing E-commerce has undergone a remarkable journey from basic payment gateways to the sophisticated systems of today. These innovations not only enhance transaction convenience but also significantly elevate security standards.

The High-Risk Challenge In sectors such as CBD or credit repair, navigating credit card processing can be intricate. Recent developments offer tailored solutions with high-risk merchant accounts and accompanying high-risk payment gateways. These tools provide the flexibility and security required to manage transactions effectively in high-risk industries.

Tailored Solutions for E-Commerce Generic payment processing systems fall short for e-commerce businesses. Specialized e-commerce merchant accounts cater specifically to online retailers, offering more than just payment processing. They provide insights into customer behavior and trends, empowering businesses to make data-driven decisions that enhance sales.

Streamlined Integration A significant advancement in e-commerce credit card processing is the seamless integration of payment gateways into websites. This integration eliminates the need for customers to leave the site to complete a transaction, thereby reducing cart abandonment rates. Online credit card processing becomes a natural part of the shopping journey.

The Role of Technology Cutting-edge technology, including machine learning and AI, plays a pivotal role in advancing credit card processing systems. Real-time detection and prevention of fraudulent transactions ensure the security of both businesses and customers. These technologies analyze extensive data, making instant decisions to approve or decline transactions.

The Future of E-Commerce Credit Card Processing With e-commerce's continued surge in popularity, the demand for enhanced payment processing solutions will only escalate. Looking forward, exciting developments such as biometric authentication for payments are anticipated, promising improved security and convenience. Additionally, the further integration of cryptocurrencies into e-commerce payment gateways is expected, expanding payment options for consumers.

Advancements in e-commerce credit card processing have reshaped the digital business landscape. From handling high-risk transactions to offering specialized e-commerce solutions, these developments streamline processes and bolster security. With technology's continual evolution, the future holds promising prospects for e-commerce payment processing.

[lizzie-may-agitate]

I’ve been rewatching handmaid’s tale

When it first began airing, in 2016, it quickly became something I watched alone in off hours while my spouse was busy because they couldn’t stand it. It felt, to them, like excessive and needless pain - like political torture porn. It’s an understandable perspective, I think, and I couldn’t put into words at the time what exactly I saw in it beyond that.

But lately, I’ve had the scene from the “before times” where the main character finds out women have been stripped of their financial rights when her credit card is suddenly declined. There’s a believable mundanity to that moment, a relatability that stuck with me. The dread of realizing your bank account is empty, money gone faster than you anticipated and you’re not sure why, not knowing in that moment if you’ve overdrawn or been scammed somehow or if your paycheck didn’t go through or… or, I guess, if the government has seized your assets and reduced you to sub-citizen status without warning. It just felt like a very imaginable extension of an already familiar feeling.

I needed to watch it again, like listening to a song stuck in your head in the hopes of it unsticking. And the scene was later in the show than I remembered, and so many other little things were hitting in a way I know they didn’t back, and now I guess I’m rewatching the whole thing.

It only took me an episode or two in to realize what it was I got from this show, though. The thing that felt worthwhile, despite the brutality and the anguish that fills it. If nothing else it’s a reminder that it is possible to survive things that may be unimaginable to you now - that people have survived these things, and will again, and that survival is worth honoring. And it’s a reminder, simultaneously, of the importance of fighting back and refusing to give up or give in. That survival and staying alive are not always synonymous. It must be a reminder I need now more than I did then, because it seems so obvious to me now… which is in and of itself unnerving in a way.

The smallest, silliest thing that immediately stood out to me was the eyebrows. 2016 feels like it just happened, I don’t think of this show as “old,” I didn’t expect it to really look noticeably different than something made a year or two ago… but it does. Everyone’s eyebrows look so thin and trim and tidy, even in the “after” times. That’s how long it’s been, how long this dread has been living in the pit of my stomach, this quiet anxiety I’ve been rationalizing and coping with just fine but can never really shake.

The thing about the credit card scene, a thing I had forgotten and maybe the very thing I felt I needed to see again, is that it comes along much later than I thought. Not just in the sense that it was a later episode, but later in the process of the insurgent fascist government’s seizure of power. It happens suddenly, yes, but in the context of a drawn out unraveling that the characters have been steadily acclimating to. It’s an abrupt change, but it’s not shocking to them - at least, not quite shocking enough. The main character doesn’t immediately pack her bags and plan an escape. There’s objection and protest along the way, sure, but not they’re not flooding the streets and rioting. It’s less than I would have imagined in 2016, far less than the uprisings of 2020, but it feels proportionate now. It’s what I would expect now. And when the main character attends a protest, and senses that it’s about to turn, and begins retreating just in time as an armed force in riot gear opens fire - that feels believable now, too. Not that it didn’t before, but in a way that feels closer now. In a way that dulls the impact of the scene itself. And when the queer university instructor finds out she’s being shelved because a student glimpsed a photo of her with her wife and their child on her phone, that feels believable too. Believable like you could tell me it was already happening, and I just hadn’t heard, and I’d believe you. And all the scenes of men in positions of power discussing the birth crisis and coolly discussing enslaving women as a solution, that too feels believable. Tangible.

I kind of rolled my eyes when I first heard there was another season coming, had no real interest in sitting through another season of agony. It already felt kind of drawn out to me, I was already kind of over it by the end of season four (if not sooner). Rewatching it hasn’t changed my feelings on virtually any of the criticism I had or heard of the show while it was previously airing, but… I’m glad I decided to revisit it. I’m not sure how enthusiastic I’ll be for another season by the time I finish this rewatch, but it makes more sense to me now.

“Women are so adaptable, my mother would say. It’s truly amazing what we can get used to. I’ve been here for two months. What have I gotten used to?”

[askoverlordvox]

Rue poofs in front of you in a cloud of green smoke. “Screen man! I humbly request thy assistance in setting up a ‘credit card.’ This realm doth make the process most perplexing!” She hands you her phone, which is opened to a scammy website offering free gift cards. The phone is hot to the touch, no doubt infected with several viruses.

@ruethefae

... Okay. I'll admit. This is on me.

Vox puts a yellow quarantine label on the phone and sets it aside, producing a new one from his coat pocket and tapping the screen.

Luckily, the Sinfire comes with automatic back-up, so I can easily restore the device without all the malicious software that... got introduced.

Now, Rue, I suppose I should've given you some of the previous editions of our guidebook to Hell and beyond; most mortal souls entering Hell nowadays at least know how a lot of this stuff works. Again, I should've seen this coming, so I apologize.

But it's nothing we can't fix! So, here's some tips: first, you know how deals work, right? Something of value in exchange for something else? Hell works on that principle, too; if something's asking you for personal information, it's because they're trying to get something from you. Unless they clearly state why they need it and what it will be used for, don't give them anything. Second, credit cards are a good way to get into debt. They're basically you promising to pay someone else back, but not saying how much you'll be paying back. You'll for sure have to pay back at least what you owed initially; sometimes, you may pay back twice what you owed! They can be very tricky. Third, ask someone on my payroll if you have questions. We have help desk personnel and, as long as you don't threaten them, they're rather pleasant people.

Vox reaches into his vest pocket and pulled out a shiny, metallic blue card.

So, to help you understand how the currency of Hell works, I'm going to help you out a bit. This card is like a credit card but it's called a debit card. A credit card spends money you don't actually have; a debit card spends money you do have. Click this little button here on your phone and you can see your balance. Don't spend more than you have in the account and it replenishes every six days. Now, going back to earlier, I'm giving you something of value, so what am I getting in return? Frankly, we thought the latest security update on the Sinfire was foolproof and you somehow broke the damn thing in under 24 hours. I'm impressed! If you ever feel like taking a swing at working a job, I'd love to see what else you could do for the Q&A department. Secondly, this is a debit card, not credit, so you won't be able to go into debt; it will decline- and, therefore, stop your purchase- if you try to spend more money than you have. Third, if you need more money or are confused about how it all works, just ask.

[theinnovatorsinsights]

With Innrly | Streamline Your Hospitality Operations

Manage all your hotels from anywhere | Transformation without transition

Managing a hotel or a multi-brand portfolio can be overwhelming, especially when juggling multiple systems, reports, and data sources. INNRLY, a cutting-edge hotel management software, revolutionizes the way hospitality businesses operate by delivering intelligent insights and simplifying workflows—all without the need for system changes or upgrades. Designed for seamless integration and powerful automation, INNRLY empowers hotel owners and managers to make data-driven decisions and enhance operational efficiency.

Revolutionizing Hotel Management

In the fast-paced world of hospitality, efficiency is the cornerstone of success. INNRLY’s cloud-based platform offers a brand-neutral, user-friendly interface that consolidates critical business data across all your properties. Whether you manage a single boutique hotel or a portfolio of properties spanning different regions, INNRLY provides an all-in-one solution for optimizing performance and boosting productivity.

One Dashboard for All Your Properties:

Say goodbye to fragmented data and manual processes. INNRLY enables you to monitor your entire portfolio from a single dashboard, providing instant access to key metrics like revenue, occupancy, labor costs, and guest satisfaction. With this unified view, hotel managers can make informed decisions in real time.

Customizable and Scalable Solutions:

No two hospitality businesses are alike, and INNRLY understands that. Its customizable features adapt to your unique needs, whether you're running a small chain or managing an extensive enterprise. INNRLY grows with your business, ensuring that your operations remain efficient and effective.

Seamless Integration for Effortless Operations:

One of INNRLY’s standout features is its ability to integrate seamlessly with your existing systems. Whether it's your property management system (PMS), accounting software, payroll/labor management tools, or even guest feedback platforms, INNRLY pulls data together effortlessly, eliminating the need for system overhauls.

Automated Night Audits:

Tired of labor-intensive night audits? INNRLY’s Night Audit+ automates this crucial process, providing detailed reports that are automatically synced with your accounting software. It identifies issues such as declined credit cards or high balances, ensuring no problem goes unnoticed.

A/R and A/P Optimization:

Streamline your accounts receivable (A/R) and accounts payable (A/P) processes to improve cash flow and avoid costly mistakes. INNRLY’s automation reduces manual entry, speeding up credit cycles and ensuring accurate payments.

Labor and Cost Management:

With INNRLY, you can pinpoint inefficiencies, monitor labor hours, and reduce costs. Detailed insights into overtime risks, housekeeping minutes per room (MPR), and other labor metrics help you manage staff productivity effectively.

Empowering Data-Driven Decisions:

INNRLY simplifies decision-making by surfacing actionable insights through its robust reporting and analytics tools.

Comprehensive Reporting:

Access reports on your schedule, from detailed night audit summaries to trial balances and franchise billing reconciliations. Consolidated data across multiple properties allows for easy performance comparisons and trend analysis.

Benchmarking for Success:

Compare your properties' performance against industry standards or other hotels in your portfolio. Metrics such as ADR (Average Daily Rate), RevPAR (Revenue Per Available Room), and occupancy rates are presented in an easy-to-understand format, empowering you to identify strengths and areas for improvement.

Guest Satisfaction Insights:

INNRLY compiles guest feedback and satisfaction scores, enabling you to take prompt action to enhance the guest experience. Happy guests lead to better reviews and increased bookings, driving long-term success.

Key Benefits of INNRLY

Single Login, Full Control: Manage all properties with one login, saving time and reducing complexity.

Error-Free Automation: Eliminate manual data entry, reducing errors and increasing productivity.

Cost Savings: Pinpoint problem areas to reduce labor costs and optimize spending.

Enhanced Accountability: Hold each property accountable for issues flagged by INNRLY’s tools, supported by an optional Cash Flow Protection Team at the enterprise level.

Data Security: Protect your credentials and data while maintaining your existing systems.

Transforming Hospitality Without Transition

INNRLY’s philosophy is simple: transformation without transition. You don’t need to replace or upgrade your existing systems to benefit from INNRLY. The software integrates effortlessly into your current setup, allowing you to focus on what matters most—delivering exceptional guest experiences and achieving your business goals.

Who Can Benefit from INNRLY?

Hotel Owners:

For owners managing multiple properties, INNRLY offers a centralized platform to monitor performance, identify inefficiencies, and maximize profitability.

General Managers:

Simplify day-to-day operations with automated processes and real-time insights, freeing up time to focus on strategic initiatives.

Accounting Teams:

INNRLY ensures accurate financial reporting by syncing data across systems, reducing errors, and streamlining reconciliation processes.

Multi-Brand Portfolios:

For operators managing properties across different brands, INNRLY’s brand-neutral platform consolidates data, making it easy to compare and optimize performance.

Contact INNRLY Today

Ready to revolutionize your hotel management? Join the growing number of hospitality businesses transforming their operations with INNRLY.

Website: www.innrly.com

Email: contact@innrly.com

Phone: 833-311-0777