April, 2024

• 1 April

  A Signature Habit

  

  Long unneeded in a credit card transaction, the signature at the point of sale still exists. Why? More than six years ago, the requirement that credit card transactions made at the point of sale be completed with a signature was lifted by the four U.S. card brands. But today, many …

March, 2024

• 1 March

  Taking the Measure of Click to Cancel

  

  Faced with a proposal to make it easier to stop a subscription, payments companies and subscription specialists have much to ponder. Everyone dreads the inevitable sales pitch that comes when trying to cancel some subscriptions. There’s multiple pages to read online and the search to find the diminutive cancel button. …

February, 2024

• 1 February

  Don’t Lose the Key to Your Data Vault

  

  For payments software platforms, control of transaction data is the key to a smooth M&A process. Analysts and business leaders have spent the past year scrutinizing the impact of increasingly volatile revenue streams on critical organizational functions. Across industries, this includes variables like employee headcount and retention, physical office requirements, …

January, 2024

• 1 January

  Imposter Scams: P2P’s Growing Problem

  

  Peer to peer payments networks are wrestling with the fallout triggered when users send money to a scammer. Solutions won’t be easy. In the world of digital payments, there’s a scam born every minute. The latest scam is conning consumers to send money via a peer-to-peer payment network to a …

December, 2023

• 1 December

  A Reckoning on Wall Street

  

  The payments market is enjoying more vitality and growth than most can remember. So what’s behind the recent market rout? The payments market is enormous and growing. Capgemini forecasts a 15% compound annual growth rate for global noncash digital payments through 2027. The Boston Consulting Group estimates global acquiring revenue …
• 1 December

  Who’s Afraid of SoftPOS?

  

  The technology is building momentum as merchants of all sizes displace POS terminals with commercial off-the-shelf devices. There are some issues. It wasn’t all that long ago that the idea of turning an ordinary smart phone into a point-of-sale terminal seemed like a pipe dream. But more than a decade …

November, 2023

• 1 November

  What’s an Acquirer To Do?

  

  Agents that sell card acceptance aren’t powerless when merchants gripe about the cost. Merchant discontent over card-acceptance fees is nothing new, but every few years the din rises several octaves, just as it has in 2023. While merchants, card issuers, the card networks, and politicians argue over whether acceptance costs …

October, 2023

• 1 October

  The CCCA—What’s Not to Like?

  

  Credit card interchange has come under assault, and not for the first time. Now, though, the stakes are higher than ever. The cleverly crafted “Credit Card Competition Act of 2023” from Sens. Durbin, Marshall, Welch, and Vance is the latest salvo in a forever war against payments-industry fees, including how …

September, 2023

• 1 September

  Time To Be More than a Processor

  

  Embedded financial solutions boost independent businesses and can make them clients for life. The financial services industry is changing. While payment processors and traditional financial institutions will always have a place and purpose, they are no longer the only trusted options for financial services. Embedded financial solutions—the integration of value-added …

July, 2023

• 1 July

  Betting the House

  

  Payments companies should make simplicity of use a big bet when courting iGaming providers. Everyone, especially those placing bets online and hoping to win big, wants a smooth payment experience. Online gaming providers are no different. They want their customers to easily fund their betting accounts and have a simple …