Luke Deviney

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About Luke Deviney

Bridging continents and currencies, Luke Deviney has spent years mastering the intricacies of international payment processing. His expertise allows businesses to expand their reach, seamlessly navigating cross-border transactions, currency conversions, and diverse regulatory landscapes. Luka empowers global growth with secure, efficient, and cost-effective payment solutions.

Articles by Luke Deviney

A firearm and a laptop sitting on a desk.
How to Sell Firearms Legally

Selling firearms legally depends on your jurisdiction, making it crucial to know both your state and federal laws. There may also be different requirements for selling on a website or selling in-person.

A gun store owner managing his online business.
How to Start an Online Gun Store

This complete guide provides a payments-ready and policy-compliant launch checklist to help you enter the firearms industry and open a successful online store.

A man in a firearm shop filling out an FFL application
How to Get an FFL License

Getting an FFL license requires an application, compliance inspection, and interview on your premises. There are different FFL licenses, depending on your business model, making it crucial to select the right one for your needs. To keep your license, you must maintain Bureau of Alcohol, Tobacco, and Firearms (ATF) compliance and follow any local laws relevant to your operations.

A customer making a CBD purchase at a CBD shop
How to Choose a CBD Payment Processor

This article will outline the high-risk merchant services you'll need for seamless card payments.

CBD products on a desk beside laptop with online checkout open.
How to Start Selling CBD Online

Starting with online CBD sales requires a solid business plan, familiarity with local laws, and a reputable high-risk payment processor.

An assortment of CBD products on a wooden table
How to Get a License to Sell CBD Products

To sell CBD you must ensure compliance with all local guidelines to avoid expensive legal fines, business closures, and reputational issues. Additionally, a license is necessary if you want to begin processing payments and develop your revenue.

An Online Shopper looking at Visa Card, considering a Chargeback Dispute
A Guide to Visa Chargeback Rules for High Risk Merchants

Visa compliance is getting more stringent over time. The recent VAMP rollout aims to enhance security and reduce risk. Part of that is by keeping chargebacks to a minimum.

A nutraceutical customer placing pills in their hand from a capsule bottle.
How to Get Approved for a Nutraceutical Merchant Account

In this guide, we discuss what we provide, explain why it's difficult for nutraceutical merchants to get an account, and detail what they can do to get approved.

Two coworkers sitting at a desk smiling and working on a laptop
A Complete Guide to the Merchant Account Approval Process for Collection Agencies

In this Adaptiv guide, we break down what to expect from the merchant account approval process for collection agencies, from how to prepare upfront to what happens after you’re approved.

Herbal supplements, capsules, and chewables designed to promote health and wellness
The 7 Best Nutraceutical Merchant Account Providers in 2025

Our experts share the seven best nutraceutical merchant account providers for 2025, highlighting key features such as approval rates, chargeback mitigation, fee structure, compliance, integration capabilities, customer reviews, and more.

Shopper smiling after finding a smooth platform to host her merchant account.
Best eCommerce Merchant Account Providers in 2025

Merchant service providers like Adaptiv Payments can help bypass those pesky transaction fees, perplexing mobile payments, and promote transparent pricing from one accessible place. While it might not be possible to completely avoid a lengthy underwriting process, our built-in tools can help put you in the right direction.

Image showing a Mastercard, Visa, and American Express credit card.
Visa Chargeback Monitoring Program Threshold Guide for 2026

As a leading processor for high-risk merchants, our Adaptiv Payments 2026 Visa Chargeback Monitoring Threshold Guide breaks down the intricacies of Visa's new program.

A person showing their cards while playing poker, with gambling chips are in the background.
Common Reasons Gambling Merchant Accounts Get Rejected

Learn the most common reasons gambling merchant accounts get rejected. Get approval for a secure merchant account by working with Adaptiv Payments.

Customer using an online gambling site to play and win.
Best Gambling Merchant Account Providers in 2026

Whether your audience enjoys mobile gaming, digital casino platforms, or online gaming in general, the right processor can implement better fraud prevention, customer retention, and other desirable improvements your business might need.

Customer completing a digital purchase.
How To Get Approved For a Pharmacy Merchant Account

If you’ve been back and forth through the underwriting process with no light in sight, consider partnering with an experienced merchant account provider like Adaptiv Payments. We offer seamless merchant accounts that benefit both you and your customers.

A stack of tobacco cigars
Best Tobacco Merchant Account Providers in 2025

Tobacco merchants experience more difficulties than many other industries when it comes to payment processing. Card networks view tobacco businesses similarly to cannabis shops, with age restrictions, higher-than-average chargeback rates, and regulatory scrutiny that comes with selling a restricted product.

A mini shopping cart full of pharmaceuticals.
The Best Pharmacy Merchant Account Providers in 2025

If you're looking to establish a secure payment processing platform for your eCommerce pharmacy business, read on!

A firearm on resting on a desk on top of a stack of US bills.
The Best Firearms Merchant Account Providers in 2025

In this article we cover some major details about merchant accounts in the firearms business. Plus, we list the best firearms merchant account providers so far in 2025.

Digital work checklist overlay while human hands hold a smart phone that's positioned over a laptop
Getting Approved: Your Travel Merchant Account Compliance Checklist

Understand what acquiring banks and processors look for in terms of eligibility, how to protect your account (especially during peak season), and how Adaptiv Payments helps travel merchants navigate high-risk rules with confidence and consistency.

A firearm business owner who is frustrated with a merchant account application denial.
The Most Common Reasons Firearms Merchant Accounts Get Declined

We share the most common reasons firearms merchant accounts get declined and how your company can avoid them.

Businessman holding virtual shopping cart that travels across the globe
How to Get Approved for an International Merchant Account

Between complex compliance rules, fraud risks, and picky acquirers, even established merchants can struggle to get approved for an international merchant account.

A bottle of CBD oil next to a stack of coins with a cannabis leaf in the background representing money made from CBD business.
How to Get Approved for a CBD Merchant Account

Your CBD business is booming and ready to grow. The problem? Every bank and payment processor is labeling you a "high-risk merchant." So, even with a comprehensive business plan, a line of quality CBD products, and the best intentions for your customers, you can't get a merchant account to process payments.

Nuvei & Adaptiv Payments Logos
Best Nutraceutical Merchant Account Solutions for Secure Payment Processing: Adaptiv & Nuvei

Nuvei and Adaptiv Payments partner to provide industry-leading, reliable nutraceutical payment processing solutions.

Nuvei & Adaptiv Payments Logos
Selecting The Best High-Risk Merchant Account: Adaptiv & Nuvei

Nuvei and Adaptiv Payments partner to provide industry-leading, reliable high risk merchant accounts and payment processing solutions.

A woman making a moto payment with a smart phone
MOTO Payments: Secure Phone & Mail Transactions

MOTO payments allow customers to pay over the phone or by mail without being physically present. Great for remote purchases, these transactions help businesses manage phone and catalog sales. This article explains how MOTO payments work, their benefits and the security measures.

phone with venmo app open
Troubleshooting Venmo Payment Declined Problems

Explore common causes and solutions for Venmo payment declines, including transaction limits, security measures, and troubleshooting steps to ensure smooth transactions.

a person is holding a pile of tobacco leaves in their hands .
Understanding Florida's Tobacco Licensing Requirements and Cost

Tobacco License in Florida requires businesses to obtain a Retail Tobacco Products Dealer permit for $50 annually to sell, ensuring compliance with the state.

a cell phone with the paypal logo on the screen is sitting on a wooden table .
Understanding PayPal's Stance on CBD Transactions

Understanding PayPal’s stance on CBD transactions helps merchants navigate compliance, fees, and best practices for seamless hemp payment processing.

A map of the world covered in money and pins.
Benefits of Multicurrency Payment Solutions Explained

Multicurrency payments let businesses accept and manage transactions in multiple currencies, streamlining global sales and improving customer convenience.

A person is typing on a laptop that says Shopify on the screen.
Merchant Accounts For Shopify

Discover how to secure a high risk Shopify merchant account with ease. Our guide helps you navigate challenges and find the best solutions for your business needs.

A green cash app icon with a dollar sign and credit cards.
How to Delete a Cash App Account: A Comprehensive Guide

This guide provides a detailed walkthrough on deleting a Cash App account, covering reasons for deletion, pre-deletion steps, and alternative payment platforms.