Your Credit Card Processor in 2026: Who Are You Really Working With — and How Do They Make Money? By Dean Sheaffer,...
Cost Optimization
Faster Payments: What SMBs Need to Know
Faster Payments: What SMBs Need to Know Faster payments are no longer a future concept—they are here, and they’re...
What’s Coming Next for In-Store vs. Online Payments — And Why SMBs Should Care
The Future of In-Store Payments: Invisible, Faster, and More Secure In-store payments are moving toward a simple goal:...
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...
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...
💸 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...
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...
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...
Pay-by-Bank – Past, Present and Future
The Payments Roundup team recently sat down with Alexandre (Alex) Gonthier,...
CMSPI State of the Industry Synopsis
The "State of the Industry Report" by CMSPI provides a comprehensive analysis of the current trends, challenges, and...
Verizon Pay-by-Bank Case Study
Verizon and Trustly Bring “Pay by Bank” to Retail Stores, Aiming to Cut Costs and Boost Customer Experience In a...
Can Merchants Effectively Deploy Credit Card Surcharging?
As increasing credit card processing fees continue to erode thin retail margins, more merchants are reluctantly...
Why Merchants Are Rethinking Payment-Based Discounts
Merchants have long used “discounting” as a tool to boost sales and build customer loyalty. In today’s evolving...
The Interchange Conundrum: A Novel Solution
Introduction For the last several decades, the notion that the U.S. payment system’s interchange structure is broken...