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MasterCard Issuers Reject Proposed Settlement for Target Data-Breach Losses
May 22, 2015 - By Jim Daly A proposed $19 million settlement forged by MasterCard Inc. and retailer Target Corp. to compensate MasterCard issuers for fraud and other expe...
Bitcoin-Accepting Sellers Point to Multiple Benefits From Early Experience
May 22, 2015 - By Kevin Woodward In a time when consumers are using multiple ways—smart phones, tablets, stores, and Web sites—to shop, they are also usi...
How Statement Scrutiny and Consumer Choices Could Yield Payment Savings
May 21, 2015 - By Kevin Woodward Merchants, whether they sell online or in stores, consistently have one bugaboo about their payment-processing service: They want it to be cheaper. ...
Virtual-Currency Observers Assess the Legacy of New York’s Departing Financial Boss
May 21, 2015 - By Jim Daly Payments executives today are trying to assess the legacy of Benjamin Lawsky, New York State’s controversial top financial regulator who proposed the first reg...
PayPal Opens One Touch Checkout to Any User, With Or Without the PayPal App
May 21, 2015 - By John Stewart With the rapid spread of commerce on mobile devices, a key problem for merchants is getting customers to follow thro...
A Cut in a Controversial ACH Fee Pleases Big-Box Retailer Group, But a Bank Shrugs
May 20, 2015 - By John Stewart The reduced interbank fee of 5.2 cents contained in the ...
With MasterCard Send, MasterCard Promises P2P Payments ‘Within Seconds’
May 19, 2015 - By John Stewart MasterCard Inc. on Tuesday launched a person-to-person payment service in the United States that will allow debit card holders to sen...
With a Lower Interbank Fee, NACHA’s Same-Day Settlement Plan Wins Approval
May 19, 2015 - By John Stewart The voting members of automated clearing house network regulator NACHA have approved a plan to allow for same-day settlement of ACH t...
EMV Could Spell T-R-O-U-B-L-E for Card-Not-Present Merchants
May 19, 2015 - By Kevin Woodward Lost and stolen credit and debit cards equipped with EMV chips may become the bane of e-commerce merchants. As the U.S. payment-card industry begins its ga...
New Devices, New Terminals, New Programs Will Drive In-Store M-Payments, Report Says
May 18, 2015 - By John Stewart Left for dead as recently as two years ago, the concept of mobile payments in physical stores is staging a remarkable r...
Restaurants Most Likely To Adopt Mobile Payments, Consumers Say in a Survey
May 18, 2015 - By Kevin Woodward Consumers expect restaurants to be the top merchant type to adopt mobile payments, especially as they envision it simp...
E-Commerce Sales Hit 7% of Retail Volume for the First Time
May 18, 2015 - By Jim Daly Electronic commerce hit a milestone in the first quarter by accounting for 7% of total retail sales for the first time, the U.S. Commerce Department’s Census B...
Global Payments Seeks Dismissal of the CFPB’s ‘Unprecedented’ Accusations
May 15, 2015 - By Jim Daly Global Payments Inc., the biggest processor swept up in the Consumer Financial Protection Bureau’s April ...
EMV for Small Merchants Is a Hard Sell, But It’s Easier With The Right Approach
May 15, 2015 - By Kevin Woodward Selling payments services to small merchants is never easy. Now, throw in EMV and its attendant complications, add in ...
COMMENTARY: For Some Banks, Prepaid Cards Aren’t Worth New Regulatory Compliance Costs
May 14, 2015 - By Paul Schaus Considering new regulations on general-purpose prepaid cards, is it worth it for banks to still...
When It Comes to Acquirer Revenue, It Pays To Be Big—Just Not Too Big
May 13, 2015 - By John Stewart Experts in merchant acquiring have long pointed out that, when it comes to revenue, size matters. Now there are numbers ...
Apriva Issues Software Development Kit To Ease Mobile-Payment Integration in Apps
May 13, 2015 - By Kevin Woodward It’s no secret that one cool use of smart phones and tablet computers is the ability to use apps. Research firm eMarketer Inc. predicts...
Security, Costs Weigh on Issuers as They Ponder Their EMV-Issuing Strategies: Report
May 12, 2015 - By Kevin Woodward Payment card issuers considering the conversion of their credit and debit cards from magnetic stripes to EMV chip cards need to consider ...
Processors Contest CFPB Charges That They Improperly Aided Debt Collectors
May 12, 2015 - By Jim Daly Processors accused by the Consumer Financial Protection Bureau last month of aiding allegedly fraudulent debt collectors by ...
Chase Begins Issuing EMV Debit Cards, Expects To Reach 70% of Cardholders by Year’s End
May 12, 2015 - By Kevin Woodward Banking giant JP Morgan Chase & Co. has begun issuing EMV debit cards, with plans to convert its entire debit card portfolio of 34 mi...

Digital Transactions May 2015

So, Where’s the User?
FIS’s ‘Garage’ Steers Towa...
Now for Commerce: PayPal Embrace...
The CFPB’s Own Choke Point Gam...
Bitcoin Struggles, But Investors...
Next Stop: Algorithmic Shopping
When Short-Circuiting Is Fatal
An American Fortress
7th Annual Field Guide to Alte...
Mobile Wallet Wars: Part One Bi...
How To Drink From the Fire Hose ...
Digital Transactions April 2015

Good News for Innovation
The Slippery State of PCI Compli...
ID Fraud Heads in the Right Dire...
Merchants Frown on a Fee for Fas...
No Wallet App? Maybe You Better ...
A Slow-Acting Poison
What’s Holding up Big Data?
Finding the Payoff in Nonprofits
Special Report: Six Months And C...
Special Report: Pass the Ketchup...
Special Report: The Shift Gets S...
Special Report: The Far Horizon
The Centurion’s Dented Helmet
Enter the Payment Facilitator
Digital Transactions March 2015

Less Static for NFC
Diverging Views of Big Merchants...
Boomtown Banks on a Boom in Call...
Bill Pay: Paper in, Digital Paym...
The ACH Adds Some Octane to a Re...
Prepaid: A New Currency in Disgu...
Why Payments Are Crucial
Getting Merchants to Click
The Other Chip Card Conversion
Flush With Cash
Prepaid’s Legal Headache
Agent Compensation In an Age of ...
Minimizing Your Data Footprint
In Confronting Cyberattacks, Pre...
Digital Transactions February 2015

At Last, Finality on Durbin
Data Breaches Show Worrisome Gro...
Can EMVCo Rescue 3D Secure?
With Same-Day Clearing in Pros...
Restaurateurs Order up Omnichannel
Resignation And Retreat
Five Tests for Innovation
Elevated Acquiring Risk in the E...
A Contact Sport
Silicon Valley’s Payments Fever
Changes to PCI 3.0: Are You Re...
Bitcoin’s Achilles’ Heel: Ma...
Digital Transactions January 2015

Too Soon To Say Bitcoin And Appl...
How To Cash in on Mobile P2P?
NACHA Moves on Same-Day ACH...
...But Will Those Pesky Checks S...
A Reset for Bitcoin
What 2015 Will Bring
The Complicated World of Integra...
Bitcoin Leaves the Station
A Quickening Pulse
The CFPB’s New Prepaid Rule: T...
Digital Transactions December 2014

The Apple Pay of Its Day
Will Merchants Get the Poynt?
Online Fraud Will Rise, But Don'...
Where the Chargebacks Are
Visa’s New Year’s Resolution
Consumers Warm up to Wallets
It’s Time to Declare War
How Apple Pay Gets It Right
Apple Pay: What’s in It for Ac...
A New Age for Growth Capital
The Tug of War Over Tokenization
Say Hello to the 21st-Century Re...
Getting From Here to EMV
Digital Transactions November 2014

Don’t Write off POS Terminals ...
Do Small Businesses Plus Mobile ...
BofA Takes the EMV Lead With D...
ATM And Overdraft Fees Set Rec...
A Post-PayPal eBay Can Stock up ...
How About Apple eCash Pay?
Doing mPOS Strategically
POS Terminals Have a Future, And...
Behind the Acquirers’ M&A Spree
The 10 Most Pressing Issues in E...
Should They Stay Or Should They ...
Here Come the Bitcoin ATMs
Why It’s Different With Apple ...
Digital Transactions October 2014

The Gimlet Eye: NFC’s Day in t...
Chip Cards Mean Cash for VeriFone
Braintree Likes Bitcoin Now, W...
Apple Swamps Twitter’s Buy But...
Prepaid for the Masses—of Bank...
The Cure for Merchant Breaches
Acquiring: How To Fight Margin C...
Cover Story: Can Apple Save Mobi...
Strategies: What We Can Learn fr...
Endpoint: Don’t Leave These Am...
Digital Transactions September 2014

The Gimlet Eye
Trends & Tactics
Security Notes: No Sweat, My Rob...
Payments 3.0: Where is the ACH G...
Acquiring: How Acquirers Are Tot...
Cover Story: Is it Still Hip to ...
Security: Unintended But Predict...
Endpoint: The Networks’ Sign...
Digital Transactions August 2014
Digital Transactions July 2014

The Gimlet Eye: Five Truths Abou...
Trends & Tactics
Security Notes: Time To Bone up ...
Acquiring: Transit’s New Payme...
M-Commerce: For Billers, Mobile ...
Cover Story: I Want You For EMV
Security: Locking Down the Smart...
Endpoint: Not All Mobile-Payment...
Digital Transactions June 2014

The Gimlet Eye: The Missing Link...
Trends & Tactics
Security Notes: Lessons from Hea...
Acquiring: Congress Sees a Need ...
Cover Story: NFC’s Cloudburst
Endpoint: Leading the Industry t...
Digital Transactions May 2014

The Gimlet Eye: The Next Chapter...
Trends & Tactics
Security Notes: Taming Bitcoin...
Acquiring: Doubling Down on Gamb...
Cover Story: Annual Field Guide ...
Endpoint: The Real Reason Consum...
Digital Transactions April 2014

The Gimlet Eye: Data Security...
Trends & Tactics
Security Notes: Digital Cash, R...
Acquiring: How Merchant Aggregat...
Acquiring: A Smoky Incongruity
Cover Story: The Googleization ...
Opinion & Analysis: The Furious ...
Components: A Dongle Do-over
Endpoint: Why PCI Is Winning
Digital Transactions March 2014

The Gimlet Eye: Questions, Quest...
Trends & Tactics
Security Notes: Security Newton,...
Acquiring: The Tech Touch—And ...
Components: April Fools?
Cover Story: Prepaid’s Big Mak...
Security: Buyer Beware
Endpoint: The Sorrows of Young B...
Digital Transactions February 2014

The Gimlet Eye: How To Make Rea...
Trends & Tactics
Security Notes: Lessons from Ta...
Acquiring: Hailing Payments
Networks: Transaction Transporte...
Cover Story: Bitcoin’s Bid For...
Components: EMV: Has Its Day Come?
E-Commerce: Better Transaction R...
Endpoint: To NFC Or Not To NFC? ...
Digital Transactions January 2014

The Gimlet Eye: The Next 10 Years
Trends & Tactics
Security Notes: Digital Cash And...
Acquiring: In Your Face
Opinion & Analysis: The Time Is ...
Cover Story: Digital Transaction...
Endpoint: Better Get Moving on I...
Digital Transactions December 2013

The Gimlet Eye: The Nasty Sound ...
Trends & Tactics: Feeling Insecu...
Security Notes: Health Care: The...
Acquiring: The Baby And the Bath...
E-Commerce: Amazon Muscles up in...
Cover Story: Targeting the Tradi...
Security: Changing the ‘Checkb...
Endpoint: Getting Over Visa Envy
Digital Transactions November 2013

The Gimlet Eye: Glimmers of Hop...
Trends & Tactics
Edward Snowden’s Valuable Lesson
Acquiring: The Zero Option
Security: Peace of Mind: Is It W...
Card Makers Look To Fill Their E...
Cover Story: The 10 Most Pressin...
Endpoint: Transformational, Not ...
Digital Transactions October 2013

The Gimlet Eye: Acquirers’ App...
Trends & Tactics
Security Notes: Get Ready for Al...
Acquiring: Europe’s Card-Fee C...
Strategies: It’s Time for Mobi...
Cover Story: States’ Rights
Opinion & Analysis: Why Have Bi...
Security: Dealing with Dupes
Endpoint: What Acquirers Need To...

MasterCard Issuers Reject Proposed Settlement for Target Data-Breach Losses
May 22, 2015 - By Jim Daly A proposed $19 million settlement forged by MasterCard Inc. and retailer Target Corp. to compensate MasterCard issuers for fraud and other expe...
Bitcoin-Accepting Sellers Point to Multiple Benefits From Early Experience
May 22, 2015 - By Kevin Woodward In a time when consumers are using multiple ways—smart phones, tablets, stores, and Web sites—to shop, they are also usi...
How Statement Scrutiny and Consumer Choices Could Yield Payment Savings
May 21, 2015 - By Kevin Woodward Merchants, whether they sell online or in stores, consistently have one bugaboo about their payment-processing service: They want it to be cheaper. ...
Virtual-Currency Observers Assess the Legacy of New York’s Departing Financial Boss
May 21, 2015 - By Jim Daly Payments executives today are trying to assess the legacy of Benjamin Lawsky, New York State’s controversial top financial regulator who proposed the first reg...
PayPal Opens One Touch Checkout to Any User, With Or Without the PayPal App
May 21, 2015 - By John Stewart With the rapid spread of commerce on mobile devices, a key problem for merchants is getting customers to follow thro...
A Cut in a Controversial ACH Fee Pleases Big-Box Retailer Group, But a Bank Shrugs
May 20, 2015 - By John Stewart The reduced interbank fee of 5.2 cents contained in the ...
With MasterCard Send, MasterCard Promises P2P Payments ‘Within Seconds’
May 19, 2015 - By John Stewart MasterCard Inc. on Tuesday launched a person-to-person payment service in the United States that will allow debit card holders to sen...
With a Lower Interbank Fee, NACHA’s Same-Day Settlement Plan Wins Approval
May 19, 2015 - By John Stewart The voting members of automated clearing house network regulator NACHA have approved a plan to allow for same-day settlement of ACH t...
EMV Could Spell T-R-O-U-B-L-E for Card-Not-Present Merchants
May 19, 2015 - By Kevin Woodward Lost and stolen credit and debit cards equipped with EMV chips may become the bane of e-commerce merchants. As the U.S. payment-card industry begins its ga...
New Devices, New Terminals, New Programs Will Drive In-Store M-Payments, Report Says
May 18, 2015 - By John Stewart Left for dead as recently as two years ago, the concept of mobile payments in physical stores is staging a remarkable r...
Restaurants Most Likely To Adopt Mobile Payments, Consumers Say in a Survey
May 18, 2015 - By Kevin Woodward Consumers expect restaurants to be the top merchant type to adopt mobile payments, especially as they envision it simp...
E-Commerce Sales Hit 7% of Retail Volume for the First Time
May 18, 2015 - By Jim Daly Electronic commerce hit a milestone in the first quarter by accounting for 7% of total retail sales for the first time, the U.S. Commerce Department’s Census B...
Global Payments Seeks Dismissal of the CFPB’s ‘Unprecedented’ Accusations
May 15, 2015 - By Jim Daly Global Payments Inc., the biggest processor swept up in the Consumer Financial Protection Bureau’s April ...
EMV for Small Merchants Is a Hard Sell, But It’s Easier With The Right Approach
May 15, 2015 - By Kevin Woodward Selling payments services to small merchants is never easy. Now, throw in EMV and its attendant complications, add in ...
COMMENTARY: For Some Banks, Prepaid Cards Aren’t Worth New Regulatory Compliance Costs
May 14, 2015 - By Paul Schaus Considering new regulations on general-purpose prepaid cards, is it worth it for banks to still...
When It Comes to Acquirer Revenue, It Pays To Be Big—Just Not Too Big
May 13, 2015 - By John Stewart Experts in merchant acquiring have long pointed out that, when it comes to revenue, size matters. Now there are numbers ...
Apriva Issues Software Development Kit To Ease Mobile-Payment Integration in Apps
May 13, 2015 - By Kevin Woodward It’s no secret that one cool use of smart phones and tablet computers is the ability to use apps. Research firm eMarketer Inc. predicts...
Security, Costs Weigh on Issuers as They Ponder Their EMV-Issuing Strategies: Report
May 12, 2015 - By Kevin Woodward Payment card issuers considering the conversion of their credit and debit cards from magnetic stripes to EMV chip cards need to consider ...
Processors Contest CFPB Charges That They Improperly Aided Debt Collectors
May 12, 2015 - By Jim Daly Processors accused by the Consumer Financial Protection Bureau last month of aiding allegedly fraudulent debt collectors by ...
Chase Begins Issuing EMV Debit Cards, Expects To Reach 70% of Cardholders by Year’s End
May 12, 2015 - By Kevin Woodward Banking giant JP Morgan Chase & Co. has begun issuing EMV debit cards, with plans to convert its entire debit card portfolio of 34 mi...

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