Clearly Payments

NOVEMBER 6, 2024

.) : Card networks , such as Visa, Mastercard, American Express, and Discover, play a critical role by routing transaction data between acquirers and issuers (cardholders’ banks). Issuing Bank (Cardholder’s Bank) : The issuer is the financial institution that provides the consumer with a payment card (credit, debit, or prepaid).

Process 105

Process ISOs Credit Cards Online and Mobile Banking 105

Fintech Finance

MARCH 12, 2025

According to internal data from EBANX , a global Payment Service Provider (PSP) that has already processed transactions for nearly 70% of Brazil’s credit cardholders, fintech companies and digital players now account for 41% of the total value transacted through credit cards for online purchases in Brazil.

Issuers 59

Issuers Transactions Payment Service Provider (PSP) Debit Card 59

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. Do You Need a Credit Card Surcharge Notice? Customers who feel blindsided will contest the charge with their card issuer. 3% surcharge on all credit card payments.” “2.5%

Credit Cards 52

Credit Cards Card Network Rules Legal Laws 52

The Fintech Times

FEBRUARY 6, 2025

Section 75 is a law that applies exclusively to credit cards, ensuring providers share responsibility with merchants for purchases ranging from 100 to 30,000. Debit card users have historically not had this level of protection, leaving them vulnerable in cases of faulty goods.

Debit Card 64

Debit Card Credit Cards Payments Laws 64

The Fintech Times

JUNE 28, 2025

Starting 27 June, UK bank Barclays is blocking all attempts to buy crypto via its Barclaycard credit cards, citing “certain risks with purchasing cryptocurrencies” Barclays quietly announced the move to block crypto transactions on its Barclaycard website, on an FAQ page, shortly before it began enforcing the ban.

Credit Cards 66

Credit Cards Consumer Push-to-Card Consumer Protection 66

Stax

JULY 21, 2025

Visa and Mastercard are two of the most popular card networks, together making up over 80% of credit cards in circulation in the U.S. But which offers the best credit card option? Both cards are accepted globally and offer very similar capabilities.

Visa 88

Visa Credit Cards Online and Mobile Banking Issuers 88

Fintech Finance

JULY 16, 2025

A principal member for both credit and debit card programs, ICBA Payments has partnered closely together with Visa since its founding to provide community banks with access to secure, scalable payments solutions that strengthen their ability to compete in an increasingly complex marketplace.

Community Banks 75

Community Banks Card Issuer Debit Card Payments 75

Stax

JUNE 8, 2025

Whether it’s using a credit or debit card, a mobile wallet, or a contactless payment solution, flexibility is critical to guaranteeing a great payment experience for your customers. Card network – These are the credit card brands you’re familiar with, such as Visa, American Express, or Mastercard.

Payment Gateways 88

Payment Gateways Processors Gateways Online and Mobile Banking 88

Clearly Payments

NOVEMBER 13, 2024

In payment processing, one component of the payment processing tech stack involving credit or debit cards is the Bank Identification Number or BIN. Card Verification and Authentication : BINs support the verification process by providing immediate access to the issuing institution’s information.

Process 104

Process Processors Payments Compliance 104

Cardfellow

JUNE 17, 2025

A digital wallet refers to electronic devices and programs used for making payments for purchases digitally, without presenting a physical credit card, debit card, or cash. Internet-based digital wallets let customers add credit or debit card information to a personal account or profile.

PayPal 86

PayPal Zelle Credit Cards Online and Mobile Banking 86

The Payments Association

JUNE 24, 2025

We highlight some practical strategies for card issuers seeking to innovate in the sustainability space and reach consumers who care about the impact of their choices. Why sustainability in payments matters We know that simply using a payment card has an environmental cost.

Innovation 88

Innovation Card Issuer Payments Issuers 88

Clearly Payments

APRIL 24, 2025

How Payment Processing Fees Work When a customer pays with a credit or debit card, a few parties get a cut of the transaction. Heres a simple breakdown: Interchange fees: Interchange fees go to the customers bank (the card issuer). Assessment fees: These go to the card networks like Visa and Mastercard.

Large Merchants 99

Large Merchants Process Processors Volume 99

EBizCharge

MARCH 11, 2025

Acumatica allows businesses to accept and process credit cards, debit cards, Automated Clearing House (ACH) payments/eChecks, and other transactions seamlessly by integrating with payment gateways. The total cost varies based on factors like the type of card used, the transaction method, and the merchants industry.

Processing Costs 52

Processing Costs Process Credit Cards Payment Gateways 52

Payments Dive

JUNE 30, 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 Dive Brief Visa, FIS boost value-added card services The companies say they aim to strengthen tech tools available for smaller financial institutions in issuing cards.

Card Services 97

Card Services Value Added Service Privacy Push-to-Card 97

Neopay

DECEMBER 17, 2024

Between 2021 and 2022, Visa and Mastercard raised interchange fees for cross-border transactions by up to five times their previous levels, increasing debit card fees from 0.2% to 1.15% and credit card fees from 0.3% Cards are a popular way we make payments in the UK, explains David Geale, Managing Director of the PSR.

Cross-Border 52

Cross-Border Caps Consulting Visa 52

Fintech Finance

FEBRUARY 5, 2025

Section 75 is a long-standing consumer protection law in the UK that ensures credit card providers share responsibility with merchants for purchases ranging from 100 to 30,000. Moreover, debit cards are the most common payment method in the UK, accounting for nearly two-thirds of all payments, with 1.9

Debit Card 59

Debit Card Consumer Protection Credit Cards Consumer 59

Stax

APRIL 10, 2025

Contact us 10 Top Payment Methods for Small Businesses Credit and debit card payments Card payments (credit cards and debit cards) account for 50% of the total number of small business transactions and remain the primary way customers make purchases on-site and online.

Small Business 88

Small Business Wire Transfer BNPL ACH 88

Clearly Payments

MAY 22, 2025

General Terms Merchant A business that accepts credit or debit card payments. Transaction A payment made using a card or digital wallet. Issuer (Issuing Bank) The issuing bank is the bank that gave the customer their credit or debit card. EMV Chip technology on credit cards.

Online and Mobile Banking 52

Online and Mobile Banking Debit Card Processors ACH 52

Cardfellow

JUNE 14, 2025

Digital Wallet Definition For a quick reminder, a digital wallet refers to an electronic system that allows customers to pay for purchases without presenting a physical credit or debit card. Customers load their card details into the digital wallet app of their choice. Where the two fees differ is in who directly pays.

Credit Cards 52

Credit Cards PayPal Visa Issuers 52

Finextra

JUNE 26, 2025

These threats include: Online payment fraud The use of stolen cards by fraudsters: A fraudster takes control of a credit or debit card account to make unauthorized transactions. Card-not-present fraud: An unauthorized person uses stolen card details to make online purchases.

Stablecoins 52

Stablecoins Payment APIs and Integration Fraud Prevention Cross-Border 52

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. Riley Securities analyst Hal Goetsch wrote in a May 5 client note. By Lynne Marek • Aug.

BNPL 78

BNPL Privacy Stablecoins On-Demand 78

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 36

Credit Cards CBDC Financial Crimes Digital Currency 36

Finextra

JUNE 26, 2025

These threats include: Online payment fraud The use of stolen cards by fraudsters: A fraudster takes control of a credit or debit card account to make unauthorized transactions. Card-not-present fraud: An unauthorized person uses stolen card details to make online purchases.

Stablecoins 52

Stablecoins Payment APIs and Integration Cross-Border Account Takeovers 52

Stax

OCTOBER 14, 2024

Additionally, look for a processor that offers flexibility in accepting various payment methods, such as credit and debit cards, mobile wallets like Apple Pay and Google Pay, and ACH transfers, to accommodate customer preferences and provide a convenient payment experience. Average credit card processing fees range from 1.7%

Processors 88

Processors Small Business Payment APIs and Integration Payments 88

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 12

Product FinTech Online and Mobile Banking Credit Union 12

Clearly Payments

OCTOBER 22, 2024

As a merchant, understanding how a PIN (Personal Identification Number) works with credit and debit card transactions is essential for running a secure and efficient payment process. This guide explains how a PIN functions in credit and debit card payments and its importance for merchants. What is a PIN?

Debit Card 105

Debit Card Credit Cards Point-of-Sale (POS) Encryption 105

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. Request Quote What Are Interchange Fees?

Credit Cards 167

Credit Cards Debit Card Processors Non-Bank 167

PYMNTS

JANUARY 28, 2021

One of the more notable differences is their tendency to favor credit cards online and other options such as digital wallets over debit cards. PYMNTS research reveals that security is at the heart of distinctions between consumers’ attitudes toward using debit, credit or other options to pay online.

Debit Card 84

Debit Card Credit Cards Security Card Issuer 84

Basis Theory

NOVEMBER 13, 2023

How Credit and Debit Cards Compare The fundamental difference between a credit and debit card is whose money is being used in the transaction: with a credit card, the consumer is borrowing from the card issuer , while with a debit card they are using their own money, stored with the issuing bank.

Credit Cards 88

Credit Cards Processing Costs Debit Card Card Issuer 88

Synapse Payment Systems

AUGUST 25, 2022

Almost every business accepts credit card payments these days. The good news is that it is possible to learn how to lower credit card processing fees. Here’s what you should know about negotiating lower credit card processing fees. Most credit card processing fees are between 2.5

Credit Cards 130

Credit Cards Transactions Processors Assessments 130

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. TL;DR Card brands such as Visa and MasterCard along with state and federal laws prohibit debit card surcharging.

Debit Card 88

Debit Card Legal Credit Cards Processing Costs 88

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. Transaction fees range from 1.5%

Credit Cards 105

Credit Cards Payment Gateways Gateways Point-of-Sale (POS) 105

Stax

APRIL 18, 2024

Accepting credit card transactions is no longer a decision of whether to but rather how to. With cashless now BEING king, credit and debit cards are the primary method for your customers to make payments. of consumer payments came through card payments. Card Network (e.g., Pre-pandemic, 62.3%

Credit Cards 88

Credit Cards Process Online and Mobile Banking Processors 88

Stax

MAY 7, 2024

With credit card transaction volume hitting over $9.5 trillion in the US in 2022, accepting card payments is no longer a question of whether to, but how to. To complete payment processing, credit card companies have to charge processing fees. Cashless transactions have dethroned the age-old cash payments.

Credit Cards 88

Credit Cards Process Processors Online and Mobile Banking 88

Stax

SEPTEMBER 26, 2024

Credit card surcharges are increasingly becoming a fact of life. Industry data shows that 9 out of 10 credit card users say they don’t want to pay surcharges but do it anyway. That said, you can’t just decide and impose credit card surcharges overnight. Learn More What is a Credit Card Surcharge?

Credit Cards 88

Credit Cards Caps Best Practices Laws 88

Stax

JANUARY 10, 2024

Credit card transactions have quickly become the lifeblood of eCommerce businesses and storefronts alike. According to Capital One, global credit card transactions in 2022 reached an estimated 678 billion —an average of 1.86 However, accepting credit cards does come with a flipside; the ongoing sting of credit card fees.

Credit Cards 88

Credit Cards Processors Debit Card Processing Costs 88

PYMNTS

JULY 11, 2019

To offer customers greater choice and convenience in time for the summer holiday season, Hertz , Dollar and Thrifty are welcoming debit cards at selected European locations. The majority of people renting cars today pay with a credit card, according to the announcement, but many people across Europe do not have access to one.

Debit Card 73

Debit Card Visa Credit Cards Issuers 73