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Payments Roundup Articles
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Biometric Authentication in Payments
Biometric Authentication in Payments: What SMB Merchants Need to Know For years, securing card payments has meant a tradeoff: stronger security often meant more friction at checkout. PINs slow lines. Passwords get forgotten. One-time codes frustrate customers....
The Credit Card Competition Act (CCCA) – A Point / Counter – Point Dive into Key Topics
Credit Card Competition Act Benefits for Merchants and Consumers Point: The Credit Card Competition Act (CCCA) has been introduced as a legislative effort to reshape the way credit card transactions are processed in the United States. Supporters of the bill argue that...
What Impacts Would a 10 Percent Credit Card Interest Rate Cap Engender – A Point Counter-Point Examination
A Point Counter-Point Examination By: Dean Sheaffer, Mark Horwedel, and John MacAllisterThe President recently announced via Truth Social that he would be calling for a credit card interest rate cap of 10%. While we believe it very unlikely that this cap will...
Why Pay-by-Bank Is Finally Having Its Moment — And Why SMBs Should Pay Attention
A Conversation with Matt Brennan, CEO of Pay with Spire When you talk to Matt Brennan, the conversation tends to span continents, industries, and several eras of the digital economy. Before he took the helm at Pay with Spire, Brennan spent 16 years at Apple: spanning...
What the Proposed Visa–Mastercard Settlement Could Mean for Merchants: A Closer Look at “Honor All Cards” Changes
A proposed settlement announced in late 2025 could change this dynamic. While still subject to court approval, the settlement’s provisions may reshape how merchants approach card acceptance, pricing, and checkout strategy. For decades, merchants accepting Visa or...
The 1.25% Interchange Cap: What SMBs Need to Know About the Proposed Visa/Mastercard Settlement
If you’re a small or mid-sized business owner, you’ve probably heard buzz about the proposed Visa/Mastercard settlement and its potential to lower credit card processing costs. One of the headline items is a 1.25% interchange rate cap on “standard” credit cards. At...
What Interchange-Related Benefits Does the Proposed Settlement Provide?
1. A multi-year reduction in credit-card interchange Visa and Mastercard have agreed to reduce average credit interchange rates by approximately 10 basis points (0.10%) for five years. For SMBs operating on thin margins, this could be meaningful—but only if your the...
💰 The Vanishing Penny: What Small Merchants Need to Know Before It’s Gone
You’ve probably noticed that fewer customers are paying with cash these days — and even fewer are fishing around for pennies. That little copper coin, once the bedrock of everyday transactions, is quietly slipping out of circulation in more places around the world.And...
💸 The Hidden Cost of “Simplicity” in Payment Solutions: What Small Merchants Should Know
For small business owners, “simple” and “free” are powerful words. Free setup. Free POS hardware / software. Free mobile card reader. Simple integration to your website. It feels like a low-risk way to start taking payments. But when it comes to payment apps like...
Biometric Authentication in Payments
Biometric Authentication in Payments: What SMB Merchants Need to Know For years, securing card payments has meant a tradeoff: stronger security often meant more friction at checkout. PINs slow lines. Passwords get forgotten. One-time codes frustrate customers....
The Credit Card Competition Act (CCCA) – A Point / Counter – Point Dive into Key Topics
Credit Card Competition Act Benefits for Merchants and Consumers Point: The Credit Card Competition Act (CCCA) has been introduced as a legislative effort to reshape the way credit card transactions are processed in the United States. Supporters of the bill argue that...
What Impacts Would a 10 Percent Credit Card Interest Rate Cap Engender – A Point Counter-Point Examination
A Point Counter-Point Examination By: Dean Sheaffer, Mark Horwedel, and John MacAllisterThe President recently announced via Truth Social that he would be calling for a credit card interest rate cap of 10%. While we believe it very unlikely that this cap will...
Why Pay-by-Bank Is Finally Having Its Moment — And Why SMBs Should Pay Attention
A Conversation with Matt Brennan, CEO of Pay with Spire When you talk to Matt Brennan, the conversation tends to span continents, industries, and several eras of the digital economy. Before he took the helm at Pay with Spire, Brennan spent 16 years at Apple: spanning...
What the Proposed Visa–Mastercard Settlement Could Mean for Merchants: A Closer Look at “Honor All Cards” Changes
A proposed settlement announced in late 2025 could change this dynamic. While still subject to court approval, the settlement’s provisions may reshape how merchants approach card acceptance, pricing, and checkout strategy. For decades, merchants accepting Visa or...
The 1.25% Interchange Cap: What SMBs Need to Know About the Proposed Visa/Mastercard Settlement
If you’re a small or mid-sized business owner, you’ve probably heard buzz about the proposed Visa/Mastercard settlement and its potential to lower credit card processing costs. One of the headline items is a 1.25% interchange rate cap on “standard” credit cards. At...
What Interchange-Related Benefits Does the Proposed Settlement Provide?
1. A multi-year reduction in credit-card interchange Visa and Mastercard have agreed to reduce average credit interchange rates by approximately 10 basis points (0.10%) for five years. For SMBs operating on thin margins, this could be meaningful—but only if your the...
💰 The Vanishing Penny: What Small Merchants Need to Know Before It’s Gone
You’ve probably noticed that fewer customers are paying with cash these days — and even fewer are fishing around for pennies. That little copper coin, once the bedrock of everyday transactions, is quietly slipping out of circulation in more places around the world.And...
💸 The Hidden Cost of “Simplicity” in Payment Solutions: What Small Merchants Should Know
For small business owners, “simple” and “free” are powerful words. Free setup. Free POS hardware / software. Free mobile card reader. Simple integration to your website. It feels like a low-risk way to start taking payments. But when it comes to payment apps like...
Payment Credential Tokenization: A Complete Guide for Merchants
What is Payment Credential Tokenization? Payment credential tokenization is a security process that replaces sensitive payment information—such as credit card numbers (Primary Account Numbers or PANs)—with unique, randomly generated identifiers called tokens. These...
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1550 NE Ocean Blvd, #C102
Stuart, FL 34996