by David True | Dec 2, 2025 | 2025 Q4, Cost Optimization, Legal, Operations
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...
by David True | Oct 28, 2025 | 2025 Q4, Operations
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...
by David True | Oct 2, 2025 | 2025 Q3, Cost Optimization, Operations
As the costs of processing credit card payments continue to rise, more merchants are seeking cost-effective alternatives to protect their bottom line. One solution gaining significant traction is the use of Automated Clearing House (ACH) payments, the tried-and-true...
