Agentic AI will change the way you do business – there, I said it. No take-backs. Picture this: you fire up your...
2025 Q3
Beyond the Card: How ACH is Transforming Retail Transactions
As the costs of processing credit card payments continue to rise, more merchants are seeking cost-effective...
Calculating Your Cost of Payment Card Acceptance – and Lowering It!
In today’s cash-light economy, accepting credit and debit cards is essential for most merchants. But with every card...
A Summary of the Varying Benefits of Debit Interchange Regulation
The caps on debit interchange implemented in 2011 benefited merchants to different degrees, largely dependent on...
Payments Steering – What it is, Why You Want to, and Key Considerations
In this article we will explore Payments Steering – a set of levers any merchant can pull to help reduce (and even...
The Coming AI Storm in Payments
My most rewarding work experiences have centered on collaboration among banks and among merchants. These experiences...
Visa Acquirer Monitoring Program (VAMP)
Starting April 1, 2025, Visa consolidated its dispute and fraud monitoring programs (VDMP and VFMP) into the enhanced...
Are you overpaying for card payments? The Wild West of Merchant Acquiring
Fifteen years ago, the Durbin Amendment to the Dodd-Frank financial reform bill established reduced rates for...
Your Credit Card Processor: who are you working with and how do they make money?
From the moment a customer makes a purchase until the transaction reaches a payment network (Visa, Mastercard, Amex or...