
Author · Account Executive at Adaptiv Payments
Timmy Boyko
Timmy Boyko is an Account Executive at Adaptiv Payments, where he partners with business owners to secure stable, compliant payment processing solutions. With a focus on high-risk and hard-to-place merchants, Timmy helps clients navigate approvals, avoid shutdowns, and build reliable processing setups that support long-term growth. He’s known for his hands-on approach and commitment to making complex payment challenges simple and manageable.
Recent writing(6)

How to Reduce Chargebacks in Travel Payments
While there are fraudulent transactions in every industry, chargeback claims in the travel industry often come down to operational challenges and misunderstandings. Delayed fulfillment, especially if paired with weak booking validation and unclear policies, can cause confused customers who file disputes. Poor communication and slow refund handling can also cause chargeback disputes.
Read article
How Do Travel Agents Process Payments?
Travel agents do not simply accept a card and finish the transaction. Rather, they manage multiple customer payment methods, time deposits, and disperse funds to suppliers. Their role also involves balancing dispute risk with the needs of a delayed fulfillment service model.
Read article
Stripe Account Shutdown
While a Stripe shutdown, suspension, or payout hold may appear similar to merchants on their Stripe dashboard, these statuses mean different things. Account decisions are determined by the account's risk profile and Stripe's terms of service, meaning that getting your account reinstated may be difficult or impossible.
Read article
ACH vs Wire Transfers
While ACH transfers and wire transfers are both electronic fund transfers, there are key differences between them.
Read article
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.
Read article
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.
Read article