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U.S. merchants will spend over $90 billion in credit card processing or swipe fees in 2019. For many organizations, these fees represent one of their top five operating costs.

There’s money —a lot of money — to be made helping people spend theirs, from signing on a check and swiping a card to tapping your phone on a point-of-sale terminal. The billion-dollar companies that make technology to make payments go are the targets of game-changing mega-mergers, as innovation in the industry advances at a rapid clip.