Stax

MAY 6, 2025

Volume caps, poor integrations, manual reconciliation, and clunky mobile checkout are all signs your current system wont scale with you. Youre hitting volume or transaction limits Many small business owners face caps on daily credit card transactions or suffer from settlement delays. Look for red flags that signal limits.

Payment Solutions 88

Payment Solutions Payment APIs and Integration Volume Payments 88

EBizCharge

JUNE 26, 2025

Set Your Surcharge Rate Find a solution that will automatically calculate and apply the correct legal surcharge rate, such as EBizCharge Ensure the system adjusts for varying card processing costs and stays within the 4% cap 5. Failure to comply can result in fines, legal challenges or even being barred from accepting card payments.

Best Practices 52

Best Practices Credit Cards Legal Card Network Rules 52

Fintech News

SEPTEMBER 9, 2024

FlexiTravel Plus allows travelers to purchase six-hour blocks of coverage starting at S$1.80, with additional hours priced at S$0.30, capped at S$3.00 FlexiTravel Plus can be activated or extended at any time through the My Income app, offering added convenience for travelers who may need to adjust their plans mid-trip.

Caps 113

Caps Blocks Adjustments Consulting 113

Clearly Payments

MAY 22, 2025

Volume Cap A limit on how much a merchant can process per month. Refunds & Adjustments Refund Returning money to a customer. Adjustment A correction to a transaction amount after processing. Strategy & Optimization Interchange Optimization Adjusting how transactions are submitted to lower costs.

Online and Mobile Banking 52

Online and Mobile Banking Debit Card Processors ACH 52

EBizCharge

JUNE 23, 2025

Card networks typically cap it at 4%, and you can’t apply it to debit or cash payments. QuickBooks Desktop lets you create a percentage-based item, but even that doesn’t adjust based on how the customer pays. It won’t warn you if you exceed the card brand’s 4% cap either. On a $1,000 invoice, a 3% surcharge adds $30.

Credit Cards 52

Credit Cards Debit Card ACH B2B 52

EBizCharge

JUNE 27, 2025

Most card networks cap the surcharge at your actual cost of credit card processing, usually no more than 3%. Here are a few highlights you need to be aware of: Fee caps: You generally can’t charge more than 3% as a surcharge, even if your credit card processing costs are higher.

Credit Cards 52

Credit Cards Legal Process Push-to-Card 52

PYMNTS

APRIL 10, 2019

The biggest change to the bank’s Business Advantage Cash Rewards Mastercard small business credit card is a lower cap on bonus rewards. The new program initiates a cap of $50,000, making the cash-back program less lucrative for high-spending small businesses.

Small Business 46

Small Business Adjustments Caps Credit Cards 46

Stax

JUNE 24, 2025

This includes adjusting the surcharge rate to comply with caps that may exist in certain jurisdictions, and ensuring that surcharges are properly disclosed to customers prior to the completion of the transaction. Laws vary by state or country, so it’s vital to check local regulations and comply with any caps on surcharge rates.

Credit Cards 88

Credit Cards Process Processors Laws 88

PYMNTS

MAY 13, 2019

The proposed credit card interest rate cap legislation , courtesy of Democratic presidential hopeful Senator Bernie Sanders and Rep. Alexandria Ocasio-Cortez is in serious need of an almost half-century-old refresher course in the unintended consequences of price caps on the American consumer. Here’s why. A 46-Year-Old History Lesson.

Consumer 78

Consumer Caps Credit Cards Push-to-Card 78

Fintech News

APRIL 3, 2024

Rohith Murthy Rohith Murthy, CEO of MoneyHero said, “On behalf of MoneyHero, I want to congratulate Shravan on his well-deserved promotion as we cap off another year of strong performance and embark on a new journey of ambitious growth.

Caps 107

Caps Adjustments Risk Finance 107

Clearly Payments

APRIL 25, 2024

Here are its key provisions: Interchange Fee Cap: The amendment limits the fees that banks issuing debit cards can charge retailers for processing debit card transactions. The Durbin Amendment focuses on regulating debit card interchange fees and fostering competition within the payment processing industry. per transaction.

Debit Card 101

Debit Card Federal Reserve Caps Credit Union 101

Stax

JULY 7, 2025

Colorado, for example, caps surcharging rates at 2% or the actual costs the business pays for processing. Adjusting product pricing to offset credit card fees Another common approach is to adjust your product or service pricing to account for the cost of credit card processing. Each method has its place, but compliance is key.

Credit Cards 88

Credit Cards Process Processors Debit Card 88

M2P Fintech

APRIL 10, 2025

These loans typically offer 50% to 90% of their worth, with caps at 45% for equity funds and 75% for debt funds. Automated Credit Limit Management for Risk Mitigation Tracks daily NAV fluctuations and collateral value changes to dynamically adjust credit availability through real-time limit management systems.

Mitigation 52

Mitigation Regulatory Compliance Compliance Automation 52

Clearly Payments

AUGUST 14, 2024

Unlike Europe, where interchange fees are capped at 0.3% The European Union’s regulations, such as the Interchange Fee Regulation (IFR), have capped interchange fees, resulting in more competitive pricing for merchants. Due to the EU’s Interchange Fee Regulation, which caps interchange fees at 0.3%

Process 104

Process Credit Cards Alternative Payment Methods Debit Card 104

Fintech News

FEBRUARY 18, 2025

million in total compensation for 2024, benefiting from an annual incentive following Britains removal of the cap on banker bonuses. HSBC, like other major banks including Barclays, Goldman Sachs, and JPMorgan, has adjusted its approach to compensation amid broader cost-cutting measures. billion, up from US$19.62 special dividend.

Embedded Finance 70

Embedded Finance Adjustments Caps Returns 70

Fintech News

MAY 27, 2025

Unlike traditional products, these can be tailored by investors, with allocations adjusted to reflect market perspectives or to exclude stocks that do not align with personal values, all while maintaining Shariah compliance. The initial suite includes portfolios focused on six U.S.

Accreditation 70

Accreditation Caps Advisors Compliance 70

PYMNTS

NOVEMBER 14, 2016

Everi Financial Holdings shares also saw gains, outsized though they may seem on a small cap stock, and net losses were 12 cents a share, adjusted for items. percent in the wake of earnings mid-week that matched expectations on the top and bottom lines, where adjusted losses came in at $0.03 USA Technologies lost 5.7

Posting 62

Posting Adjustments Payments Caps 62

EBizCharge

JUNE 23, 2025

The card networks generally allow surcharges, but they require strict disclosures and cap the fee you can charge. Watch for changes in state legislation or card brand rules that might require adjustments to your approach. Today, surcharge rules are shaped by a mix of card brand requirements and state-level laws.

Credit Cards 52

Credit Cards Legal Card Network Rules Point-of-Sale (POS) 52

FICO

JANUARY 25, 2019

It also allows banks to change their pricing dynamically, as regulatory caps or risk controls are met. For example, the Federal Government and APRA have requested that banks cap growth in investor lending, interest-only lending and secured lending to foreign property owners. Meeting these caps is difficult in practice.

Caps 74

Caps Returns Governance Government 74

Stax

SEPTEMBER 26, 2024

It requires stringent adherence to regulatory guidelines and card network rules, from surcharge caps to disclosure requirements. Some states cap the surcharge rate to a set rate or dollar amount. The amendment caps interchange fees for debit cards to reduce costs for merchants and consumers. Request a free demo today.

Credit Cards 88

Credit Cards Caps Best Practices Laws 88

PYMNTS

FEBRUARY 11, 2020

billion and adjusted earnings per share of 10 cents. 3, “Assuming LULU can sustain an NKE-like free cash flow multiple, we see a path to a $40 billion market cap. Lululemon’s market cap was at $29 billion per a report at the time in comparison to Nike’s at $146 billion. Under Armour reported revenue of $1.44

Caps 52

Caps Adjustments Returns 52

PYMNTS

SEPTEMBER 30, 2016

Reports explained that the committee is planning to introduce capital floors that would cap the financial gains earned by banks for using their own models instead of those of regulators. “In those areas, we could probably have some adjustment.” Dombrovskis said on Thursday that the floors should be thrown out.

Rules 60

Rules Risk Caps Adjustments 60

PYMNTS

MAY 12, 2020

Perhaps the two-week cycle persists due to force of habit, or perhaps it’s the need to design a payroll system that keeps track of workers’ hours in real time while also calculating necessary adjustments for taxes, Social Security, benefits, etc. Industry observers are quick to note: Disrupt or be disrupted.

Payroll 108

Payroll On-Demand Direct Deposit Process 108

Finovate

APRIL 1, 2024

There are many factors that drive innovation in financial services: technological change, competition, regulatory adjustments … this week, recalled a fourth, less common method: the lawsuit. that will see interchange fees both lowered and capped. The settlement is the end result of a lawsuit that extends back to 2005.

Visa 59

Visa Settlement Credit Cards Caps 59

PYMNTS

MAY 28, 2020

Separately, some firms have been looking for adjustments on how they calculate expenses that may be non-recurring or non-cash (covenants typically include caps on those expenses) and related to the pandemic as they calculate EBITDA, in an effort to strengthen that metric and comply with covenants.

Adjustments 56

Adjustments Caps Research Economy 56

PYMNTS

MAY 31, 2019

The rise pushed Lyft’s stock value to upwards of $800 million, with a market cap of around $16.8 Uber’s market cap is about $67 billion. billion, while Lyft’s adjusted per-share loss was $9.02. Lyft shares went up more than 5 percent, and Uber’s stock also was positive. In the last quarter, Uber saw a net loss of around $1.01

Caps 43

Caps Adjustments Innovation Product 43

FICO

MARCH 19, 2018

Others have suggested capping the level of interest that a bankcard issuer can charge. This gives both the creditor and consumer more time to make adjustments, and allows a wider range of adjustments to occur, especially if the actions can be taken before an account goes over its credit limit or a payment is missed.

Credit Cards 49

Credit Cards Issuers Card Issuer Adjustments 49

PYMNTS

OCTOBER 22, 2019

We’re going to be profitable on an adjusted EBIDTA basis a year before analysts expect us to. The law imposes a 31 percent cap on cruising time for most vehicles before 11 p.m. Lyft has said that the mandate is based on old, inaccurate TLC data, and doesn’t hold taxis to any caps. . We’re going to hit this target in Q4 2021.”.

Caps 40

Caps Rules Adjustments Laws 40

Evolve Payment

OCTOBER 27, 2023

Compliant Surcharging is unavailable in CT, MA, ME, and OK, with a fee cap set at 3%. Implementing Compliant Surcharging: What to Consider Limitations: The surcharge is exclusively for credit card transactions and is capped at 3%. All customer notifications are in line with regulatory requirements.

Credit Cards 52

Credit Cards ACH Alternative Payment Methods Caps 52

PYMNTS

OCTOBER 20, 2017

PayPal’s adjusted profit was 32 percent during the third quarter to $560 million, or 46 cents per share, beating the average analyst estimate of 43 cents. As of the close of the market today, PayPal’s market cap is $80.86 billion — and vastly larger than Discover’s market cap of $24.45 So where was all the excitement?

PayPal 47

PayPal Venmo Caps Volume 47

Electronic Payments Coalition

MARCH 26, 2024

merchants, more than 90 percent of which are small businesses, lowering credit interchange rates and capping those rates into 2030. The agreement will cap the reduced credit interchange rates for five years, providing an unprecedented level of cost certainty long sought by merchants. merchants, comprised largely of small businesses.

Agreements 52

Agreements Payment Networks Settlement Credit Cards 52

PYMNTS

FEBRUARY 27, 2017

WFM’s market cap was just over $10 billion. Ahold Delhaize’s market cap sat at just over €25.9 and a market cap of $31 billion as of Friday’s close. by Friday’s close with a market cap of $77.7 Sprouts netted just $17 million, down nearly 40 percent from the adjusted net income the company took in for Q4 2015.

Caps 40

Caps Adjustments Continuity Automation 40

PYMNTS

JULY 5, 2019

The bank has dealt with billions in fines and its balance sheet was capped by the Federal Reserve. The central bank said Wells Fargo’s IT systems were weak and needed a lot of manual adjustments, which led to some incorrect calculations. Wells Fargo has been dealing with issues in the U.S.

Central Bank 43

Central Bank Federal Reserve Breach Caps 43

PYMNTS

JULY 26, 2016

The transaction’s total values will clock in at $650 million with customary adjustments at closing. This caps of a sometimes uneasy partnership – Donna Karan has publicly complained about LVMH’s stewardship of her brand since she retired officially last year.

Caps 43

Caps Adjustments Agreements Transactions 43

PYMNTS

APRIL 28, 2016

On an adjusted basis, WEX, which provides fuel payment processing for fleet vehicles and other services, earned $0.96 WEX management said on the conference call with analysts that the organic growth across all segments contributed to company-wide sales up 12 percent, adjusted. a share, well beyond the $0.87

Adjustments 40

Adjustments Payments On-Demand Caps 40

Stax

APRIL 23, 2024

ACH transfers don’t come with high fees and transactions and they’re easily edited if an employer wants to adjust payroll, extend bonuses, or reimburse an employee. They are also easily edited if an employer wants to adjust payroll, extend bonuses, or reimburse an employee. ACH transfers don’t come with high fees and transactions.

ACH 88

ACH Direct Deposit ACH Network Wire Transfer 88

PYMNTS

JUNE 5, 2019

billion in May, and got a market cap of around $70 billion. Analysts were expecting an adjusted net loss per share of 76 cents on the earnings of roughly $3.1 Uber’s stock price has been fairly stable in the last four weeks, hanging around the $40 to $43 range. It raised $8.1 billion. .

Caps 43

Caps Adjustments Accounts 43