Credit Card Competition Act Benefits for Merchants and Consumers Point: The Credit Card Competition Act (CCCA) has...
Legal
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...
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...
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...
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...
Visa Acquirer Monitoring Program (VAMP)
Starting April 1, 2025, Visa consolidated its dispute and fraud monitoring programs (VDMP and VFMP) into the enhanced...
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...
Unsafe at any Swipe
Credit cards are ubiquitous. Together with debit cards, they represent most of the payments made to merchants in the...