by Mark Horwedel | Jan 29, 2026 | 2026 Q1, Legal, Operations, Opinion
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...
by Mark Horwedel | Oct 2, 2025 | 2025 Q3, Cost Optimization, Opinion
Fifteen years ago, the Durbin Amendment to the Dodd-Frank financial reform bill established reduced rates for regulated debit cards. Although the Fed significantly increased those rates in diverging from what the Durbin Amendment required, big merchants still...
by Mark Horwedel | Jun 19, 2025 | 2025 Q2, Opinion
This is the first edition of Payments Roundup, the first and only newsletter focused on payments and designed expressly for merchants. Payments Roundup is brought to you by MDDT Innovations, LLC. MDDT Innovations is responsible for the creation and content of the...
by Mark Horwedel | Jun 19, 2025 | 2025 Q2, Opinion
This series of articles will focus on the history and evolution of US payment cards from my personal perspective. I will cover this evolution from the earliest days to the present and focus on a broad range of topics from the economics to the social impacts of the...
