Stax

MARCH 13, 2025

They use complex calculations to come up with the rates, which may vary depending on the card network. Swipe fees also depend on a variety of factors that well explore later in the article. The interchange fee usually includes a percentage of the card transaction value and an additional fixed charge. per transaction.

Debit Card

Cardfellow

MARCH 9, 2025

If youre wondering if you have to do anything different to accept a virtual credit card, the short answer is no. However, its good to be aware of the factors involved in virtual cards and thats what Ill go over in this article. What are virtual credit cards? Which companies issue virtual credit cards?

Credit Cards

EBizCharge

MARCH 11, 2025

Thankfully, this article will explore the various payment processing costs associated with Acumatica as well as actionable strategies for businesses to reduce these expenses. Some Acumatica payment gateways charge separate monthly fees for their services, which vary based on transaction volume, security features, and additional tools.

Processing Costs

Stax

JUNE 24, 2025

In this article, we’ll help you figure out which of them may be the best credit card processing companies for your business needs. TL;DR Processors act as the middleman between your customer’s card and your bank, but not all are created equal—some offer better service, pricing, and tools than others. Let’s get started.

Credit Cards

Clearly Payments

NOVEMBER 18, 2024

This article outlines how to structure your chargeback management team, define roles, implement processes, select the right software, and adhere to best practices. Analyze the reason code provided by the card issuer to determine the cause of the chargeback. Assign each case a unique ID for tracking and resolution.

PCI DSS

The Payments Association

JULY 19, 2025

Evolving money laundering risks for EMIs: Insights from the upcoming NRA 18 July 2025 by Payments Intelligence LinkedIn Email X WhatsApp What is this article about? EMI Is Not a Monolith The EMI sector spans everything from simple gift card issuers to sophisticated platforms delivering government disbursements.

Money Laundering

Stax

OCTOBER 21, 2024

Credit card processing fees can add up quickly and affect your business’s bottom line. In this article, we’ll discuss tiered pricing strategy, including the different types of cards and transactions so you can make smarter and more profitable business decisions. The interchange fee is another component, set by card issuers.

Credit Cards

The Paypers

JUNE 16, 2025

Bank’s Elan Financial Services credit card program into Fiservs Credit Choice solution. Fiserv provides a range of solutions for its clients, including account processing, digital banking, card issuer processing, payments, ecommerce, merchant services, and Clover, which is an advanced point-of-sale system.

Credit Cards

EBizCharge

JUNE 26, 2025

Adding a surcharge to credit card transactions can be a great way for businesses to offset processing costs but doing it right matters. This article will walk you through everything you need to know about creating one that’s not only compliant but also clear and fair to your customers. Visa and Mastercard have surcharge rules.

Credit Cards

Payments Dive

JUNE 11, 2025

BNPL companies also have abundant space to grow relative to credit card issuers, Goetsch noted, with global transaction volume less than $100 billion compared to trillions of dollars spent on credit cards. You can unsubscribe at anytime. Riley Securities analyst Hal Goetsch wrote in a May 5 client note.

BNPL

EBizCharge

JANUARY 16, 2025

This article will explore the world of merchant category codes, covering their purpose, benefits, and the specifics of using them in the credit card processing landscape. Card issuer restrictions: Card issuers sometimes place restrictions on where cards can be used.

Credit Cards

Cardfellow

JUNE 14, 2025

With a staged wallet, the card issuer or card network doesn’t necessarily know what type of card was used or other useful information. Related Article: Qualifying for Visa CPS Rates. Related Article: Interchange Downgrades. The wallet essentially acts as a middleman.

Credit Cards

The Payments Association

APRIL 8, 2025

SNEAK PEEK: Fraud unveiled: Key takeaways from merchant roundtable discussion January 3 2025 by Payments Intelligence LinkedIn Email X WhatsApp Whats the article about? The card issuers often side with the customer without consulting us, which is unfair and costly. Why is it important?

Fraud Detection

Payments Dive

JULY 22, 2025

Deep Dive Opinion Library Events Press Releases Topics Sign up Search Sign up Search Retail Banking Restaurants Regulations & Policy Risk Technology B2B An article from Flexbase adds perks on Visa card Entrepreneurs are affluent and want a business card that offers them the same perks as high-end consumer cards, Flex’s CEO says.

FedNow

Payments Dive

AUGUST 4, 2025

Deep Dive Opinion Library Events Press Releases Topics Sign up Search Sign up Search Retail Banking Restaurants Regulations & Policy Risk Technology B2B An article from Mastercard backs open banking The card network’s CEO favors the worldwide open banking trend, and predicts it will be a “winning proposition over time.”

Visa

Fintech Labs Insights

JANUARY 24, 2025

This constantly updated article tracks the biggest and most important new products released worldwide by financial technology companies, along with banks, credit unions, investment advisors, insurance companies, credit card issuers and payment providers. Well also link to important demos, podcasts and YouTube videos.

Product

Payments Dive

JULY 21, 2025

Roger Marshall and Dick Durbin aimed to use the legislation to advance their Credit Card Competition bill. With a proposed amendment to the Genius Act, the two sought to change the Electronic Fund Transfer Act to force credit card issuers make more networks available to merchants for processing credit card transactions.

Consumer

Fintech Labs Insights

FEBRUARY 13, 2025

million/month | Employees: 728 | Article citations: 20 | Linkedin: 37,000 followers | Trustpilot: 3.9 (822 Startups of all sizes rely on Mercury. Apply in just 10 minutes! HQ: SF | Founded: 2017 | Raised $136M (including $120M in 2021) | Valuation: $1.7 billion | Website visits: 2.2 822 reviews) | iOS app: 4.9 156 13 Fifth Third Bank 8.7 $214

Small Business

Payment Savvy

JANUARY 11, 2023

If you are one of the ten million-plus American businesses with a merchant processing credit card account, the chances are you are aware of an industry term known as interchange. Each new credit card transaction is assigned to what is known as a target interchange category. Both involve credit card companies on two sides of the fence.

Credit Cards

Clearly Payments

JANUARY 12, 2024

Merchants are often the first line of defense against different types of fraudulent activities , and their ability to promptly identify and respond to suspected credit card fraud is crucial. This article outlines key steps that a merchant should take if they suspect credit card fraud at their business.

Credit Cards

FICO

NOVEMBER 10, 2020

I am always glad to see headlines like this one, which ran last summer in The New York Times: “ How to Reduce Credit Card Fraud.” In addition to these core technologies, banks and card issuers have large fraud teams dedicated to investigating individual customer claims, as well as monitoring trending fraud patterns.

Credit Cards

Stax

DECEMBER 20, 2023

Interchange is the fee that credit card companies like Visa and Mastercard charge businesses to accept their cards. In this article, we will break down credit card interchange fees so you will know exactly how much you’re spending when running your business. The rest of the fees go to the credit card brand.

Credit Cards

Stax

AUGUST 20, 2024

This article will discuss what 3D Secure Authentication is and how the 3DS authentication process works. The merchant’s website will initiate a 3DS request with the customer’s card issuer on the payment page. The payment processor will send a request for authentication to the customer’s card issuer.

Authentication

The Payments Association

NOVEMBER 19, 2024

Many businesses dive into card production without recognising that creating a card means coordinating with an issuer, payment network, acquirer, and, often, multiple service providers. Reducing complexity: Streamline partnerships Launching a card product requires collaboration with multiple parties.

Product

Stax

JUNE 13, 2024

A cash discount program can help your business reduce expenses on processing fees for card transactions, and there are guidelines you must follow to ensure you are implementing the program the right way. One of the most important requirements is cash discount signage, which will be the focus of this article. Let’s dive in.

Credit Cards

Fi911

MAY 22, 2024

When merchants accept credit card or debit card payments, the hope is that the funds from that sale will remain in their account as revenue. In this article, we will delve into the topic of credit card payment reversals. Require Card Verification Value (CVV) numbers for online purchases.

Payer

Stax

DECEMBER 20, 2023

In the complicated world of payment processing, understanding the nuances of debit card and credit card payments, along with associated processing fees, is essential for businesses. Let’s start with the elephant in the room: are debit card surcharges legal? How much do debit card transactions cost?

Debit Card

Clearly Payments

DECEMBER 2, 2024

With over 79% of consumers using credit or debit cards for transactions, businesses that do not accept cards risk losing significant sales. This article will explore the various ways businesses can accept credit cards, including their advantages, costs, and considerations.

Credit Cards

Clearly Payments

OCTOBER 10, 2024

In this article, we’ll cover how loyalty programs work in payment processing, explore different models, and examine how businesses and consumers benefit. These are particularly effective for credit card companies. Loyalty programs can boost overall revenue for merchants by 5 to 10%.

Processors

Fi911

AUGUST 7, 2024

Because chargebacks can impose significant costs on both merchants and card issuers, employing a uniform set of reason codes facilitates the efficient management and resolution of these issues. These codes act as a valuable reference for comprehending the fundamental reasons for each chargeback.

Visa

Fi911

AUGUST 16, 2024

Given that chargebacks can result in substantial expenses for both merchants and card issuers, utilizing a cohesive set of reason codes streamlines the management and resolution of these challenges. These codes serve as an important guide for understanding the key drivers behind each chargeback.

Disputes

Fi911

JULY 19, 2024

Chargebacks can be costly for both merchants and card issuers, so having a standardized set of reason codes helps in efficient handling and resolution of these disputes. They also serve as a reference point for understanding the underlying reason behind each chargeback.

Disputes

Clearly Payments

JANUARY 16, 2024

What are Interchange Fees in Canada Interchange fees are charges levied by credit card issuers (such as Visa, Mastercard, and others) to merchants for accepting and processing electronic payments. Refer to our article here for a full price list of the interchange fees in Canada. This can range from 0.05% to 1% or even more.

PCI DSS

EBizCharge

AUGUST 12, 2024

As digital transactions dominate the market, understanding the mechanics of credit card processing becomes essential for businesses and consumers. This article will outline a merchant acquirer’s specific functions and obligations and what businesses should consider when selecting one. What is a merchant acquirer?

Credit Cards

FICO

NOVEMBER 17, 2021

And I got a few HAL vibes when reading a Harvard Business Review article on cobots that says: “Firms achieve the most significant performance improvements when humans and machines work together. It is a new buzzword for me: cobot, or collaborative robot, “a robot intended for direct human-robot interaction within a shared space.”

Financial Crimes

Stax

AUGUST 1, 2024

However, card brand rules and state and federal laws have been established to prevent merchants from abusing this privilege. In this article, we’ll explore Visa’s rules around credit card surcharging and what merchants need to know about them. TL;DR Card companies like Visa, Mastercard, Discover, etc.

Rules

Fi911

NOVEMBER 24, 2023

This article will walk you through the possibility of pursuing the matter in small claims court against the cardholder. Small Claims Court: The Last Stop in the Chargeback Process As mentioned in previous articles, merchants have legal rights when dealing with chargebacks. If all else fails, though, there is another path available.

Legal