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  • Strategies for Managing the Cost of Processing Small Ticket Payments

    Published in AFP Payments Newsletter July 2012 The cost of processing low value debit card sales (transactions less than $15.00) has dramatically increased for merchants since the implementation of the Durbin amendment on October 1, 2011. While this new regulation caps the debit interchange fees for regulated transactions and has saved billions of dollars for

    July 1, 2012
  • Overview of EMV in the U.S.

    What is EMV & why is it important? EMV is an acronym for Europay, MasterCard, and Visa, and represents the 1994 founders of the global standard for credit and debit payments based on chip card technology.  Today, Europay is owned by MasterCard and EMV standards are set by EMVCo, a joint venture of Visa, MasterCard,

    February 22, 2012
  • Undercard Bout – American Express prepares for 12 rounds with the DOJ

    Anand Goel was quoted in an article by Andrew Deichler in the AFP Exchange December 2010 issue American Express is lacing up its gloves and preparing to do battle with a fairly formidable opponent: the U.S. Department of Justice. In an attempt to crack down on credit card companies that it feels hold too much

    December 1, 2010
  • Get a Grip – Understanding and Managing Your Payments Effective Cost

    Published in AFP Exchange October 2009 Pricing in the credit card processing industry is very complex and most merchant statements do not make it any easier to understand. There are so many technical and industry laden terms – interchange fees, qualification tiers, downgrades, batch fees, ACH fees, authorization fees, settlement fees, AVS fees, and PCI

    October 1, 2009
  • Pins Rising

    Published in AFP Exchange April 2009 The use of ATM or PIN-based debit cards in the U.S. has been rising faster than signature debit cards and credit cards over the past decade. Merchant sales volume for PIN transactions has been growing 21% annually since 2000, slightly ahead of signature debit and significantly ahead of credit

    April 1, 2009
  • Optimizing Merchant Services

    Published in AFP Exchange March 2009 The payments industry has been evolving rapidly, presenting merchants with new and alternative payment products or methods. Research shows that adding more payment options leads to higher conversion rates. According to a CyberSource survey, merchants that accept three or more alternatives can see up to a 14% lift in

    March 1, 2009

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