A man enters the wrong pin at checkout, gets declined, tries again, and on the third failed attempt the terminal lets him through anyway, just sign here. Ritesh Kotak explains exactly how that happens and why most people have no idea their card can be approved this way.

The real cost of that gap doesn't land on the credit card company. It lands on the small business that took the payment in good faith, and Ritesh walks through how a chargeback process built to protect shoppers has quietly turned into a weapon against the people selling to them.

Every login today demands a code, a tap, a second verification, except at the register, where none of that applies. Ritesh explains the actual business math behind why that gap exists and who's expected to absorb the cost when it fails.

Topics: chargeback fraud, credit card pin security, small business fraud liability, online purchase security, payment authentication

GUEST: Ritesh Kotak | http://riteshkotak.com

Originally aired on 2026-08-20

A man enters the wrong pin at checkout, gets declined, tries again, and on the third failed attempt the terminal lets him through anyway, just sign here. Ritesh Kotak explains exactly how that happens and why most people have no idea their card can be approved this way.
The real cost of that gap doesn't land on the credit card company. It lands on the small business that took the payment in good faith, and Ritesh walks through how a chargeback process built to protect shoppers has quietly turned into a weapon against the people selling to them.
Every login today demands a code, a tap, a second verification, except at the register, where none of that applies. Ritesh explains the actual business math behind why that gap exists and who's expected to absorb the cost when it fails.
Topics: chargeback fraud, credit card pin security, small business fraud liability, online purchase security, payment authentication
GUEST: Ritesh Kotak |<a href="http://riteshkotak.com"> http://riteshkotak.com</a>
Originally aired on&nbsp;2026-08-20

Shane Hewitt & The Nightshift is your late-night companion for real talk, bold ideas, and unfiltered conversations that matter. Hosted by Canadian radio veteran Shane Hewitt, each episode dives into the headlines, human stories, and hidden truths shaping our world—always with curiosity, compassion, and a sharp edge.

From politics and pop culture to mental health, technology, and everyday life, this podcast is where night owls, deep thinkers, and curious minds come to connect. Featuring expert guests, passionate callers, and Shane’s signature style—thoughtful, fearless, and refreshingly real.

If you crave meaningful dialogue, smart perspectives, and late-night radio energy in podcast form, subscribe now and join The Nightshift.

Shane Hewitt &amp; The Nightshift is your late-night companion for real talk, bold ideas, and unfiltered conversations that matter. Hosted by Canadian radio veteran Shane Hewitt, each episode dives into the headlines, human stories, and hidden truths shaping our world&mdash;always with curiosity, compassion, and a sharp edge.
From politics and pop culture to mental health, technology, and everyday life, this podcast is where night owls, deep thinkers, and curious minds come to connect. Featuring expert guests, passionate callers, and Shane&rsquo;s signature style&mdash;thoughtful, fearless, and refreshingly real.
If you crave meaningful dialogue, smart perspectives, and late-night radio energy in podcast form, subscribe now and join The Nightshift.

Shane Hewitt and The Nightshift

Shane Hewitt is known for his engaging and relatable on-air personality, which captivates listeners. His ability to blend insightful commentary with humour and empathy creates a genuine connection with listeners.  Shane Hewitt and the Night Shift provides relatable content, informative discussions and expert insights – along with a balance of anecdotes and entertainment.

Shane Hewitt is known for his engaging and relatable on-air personality, which captivates listeners. His ability to blend insightful commentary with humour and empathy creates a genuine connection with listeners.  Shane Hewitt and the Night Shift provides relatable content, informative discussions and expert insights – along with a balance of anecdotes and entertainment.