Our Head of Approvals and Fraud provides insight into ecommerce trends; what the ‘new normal’ will look like; and how can merchants overcome new challenges.

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The Retail Payments Review’s ‘Week at a Glance’ feature takes all the week’s biggest updates and trends and condenses them into one easy to view page.

The Retail Payments Review’s ‘Week at a Glance’ feature takes all the week’s biggest updates and trends and condenses them into one easy to view page.

The Retail Payments Review’s ‘Week at a Glance’ feature takes all the week’s biggest updates and trends and condenses them into one easy to view page.

Subway and its franchise owners benefit from a new omnichannel partnership after finalising a Request for Proposal, managed by CMSPI’s experts.

The Retail Payments Review’s ‘Week at a Glance’ feature takes all the week’s biggest updates and trends and condenses them into one easy to view page.

The Retail Payments Review’s ‘Week at a Glance’ feature takes all the week’s biggest updates and trends and condenses them into one easy to view page.

The world of retail payments has never changed so quickly – join our webinar to stay ahead of the curve.

In this webinar, our experts explore the roles and priorities of different internal stakeholders within a merchant’s payments system.

Retail Payments: A Webinar Series consists of 3 educational sessions designed to give merchants an understanding of how the payments market works.

The Retail Payments Review’s ‘Week at a Glance’ feature takes all the week’s biggest updates and trends and condenses them into one easy to view page.

The team here at CMSPI will continue to do what we can to support and champion you throughout this difficult time.

The Retail Payments Review’s ‘Week at a Glance’ feature takes all the week’s biggest updates and trends and condenses them into one easy to view page.

CMSPI’s Picture of Payments cartoon series – why declined transactions are costing merchants billions.

We take a deep dive into approvals and declines, and explain why false declines are costing the merchant community billions every year.

Following the publication of the European Commission’s review of the regulation, CMSPI takes a look at both the study and the regulation itself.

The limit for using contactless as a payment method is set to increase from £30 to £45 from 1st April in the UK, in response to the coronavirus epidemic.

Since inception over 29 years ago, CMSPI has empowered merchants by providing education and transparency.

Merchants operating in Germany must seek to identify efficiencies in order to mitigate the impacts of rising scheme fee costs.

CMSPI is proud to have been awarded Foodbuy’s Services, Equipment & Supplies Partner of the Year at the Foodbuy Supplier Conference 2020.

Due to the decline in cash usage and the significant fixed costs associated with processing cash, the CIT industry has seen a great deal of consolidation in recent years.

Continuing its spending spree, cash giant Loomis has agreed to acquire Nokas Värdehantering, a Swedish subsidiary of Loomis’ Nordic competitor Nokas.

In this article, we explore how holdbacks, SCA and rising scheme fees have been disproportionately damaging for travel and hospitality.

We answer the key questions merchants are asking regarding the latest SCA standards.

Scheme fees have become a frustrating yet inevitable part of processing payments in the 21st century. But does it really have to be that way?

Understanding your overall cost of acceptance is crucial – so we’ve created a downloadable infographic highlighting the key areas you need to consider.

In this article, we will look to answer some of the most popular questions asked through our audience interaction app on the day.

In our ongoing series, A Picture of Payments, we highlight industry trends and topics that are affecting the merchant community.

We investigate the upcoming Interchange Fee Regulation review, scheme fee increases, and how the hospitality industry has been among the hardest hit.

In our ongoing series, A Picture of Payments, we highlight industry trends and topics that are affecting the merchant community.

We’ve compiled a list of updates from countries across Europe to keep you updated with the latest SCA news and developments.

In this latest edition of Payments Intelligence, we discuss the cashless movement around the world and how merchants should prepare.

BRC VIDEO: the BRC estimates the cost to merchants of card acceptance was around £1 billion in 2017.

We highlight issues with the IFR, what lessons can be learned from other jurisdictions, and actions merchants should be taking.

Just one month before the number of transactions requiring 3D-Secure is expected to triple, Visa has introduced a new fixed fee for this authentication method.

ATMs play a pivotal role in the payments ecosystem. Read our response to the PSRs call for views on LINK interchange fees.

The EBA has published its final opinion on SCA, opening the door for potential extensions to the September 14th deadline.

The European Banking Authority (EBA) have announced its support for an extension to the deadline for Strong Customer Authentication.

Many merchants are overpaying by substantial six and seven-figure sums every year, we detail the importance of auditing your invoices.

The four key questions about holdbacks airlines need to ask now.

Germany sees card payments overtake cash for the first time as the decline of cash continues.

Hear from CMSPI’s Senior Economist on all things SCA and what merchants need to be doing about it.

The PSD2 revolution is on our doorstep. We argue why merchants shouldn’t be waiting for change, but should be driving it instead.

PSD2 undeniably has the potential to revolutionise the payments industry, but are merchants and other supply chain stakeholders prepared?

Loomis has agreed to acquire Prosegur’s cash operations in France, reducing the number of global suppliers in the French market to just 2.

A Brexit reclassification of card scheme regions has important implications for potential cost increases for merchants.

Apple has announced that in Summer 2019 it will be releasing a new way for consumers to pay: the Apple Card.

Continued expansion by Visa and Mastercard further increasing the schemes’ dominance in Europe.

We take a look at the lessons European merchants can learn from the U.S. cash back experience.

US issuer processor Fidelity National Information Services (FIS) has announced a €38.1 billion acquisition of global merchant acquiring giant Worldpay Inc.

In our ongoing series, A Picture of Payments, we highlight industry trends and topics that are affecting the merchant community.

In this latest edition of Payments Intelligence, we discuss the potential ramifications of Brexit on merchants in the UK and Europe.

CMSPI supports calls for regulation as cash continues to be an important part of the payments puzzle.

eCommerce payments command a number of unique considerations – we’ve compiled the top 8 challenges facing eCom merchants in 2019.

Join our upcoming workshop to better understand the challenges, opportunities, and potential pitfalls of open banking. Sign up now.

We sat down with CMSPI’s new Managing Director for Europe, Wayne Ashall, to chat about the things to come in 2019 and sinking his teeth into his new role!

Sign up now to be the first to know when early bird tickets are available!

Push payments, becoming increasingly relevant due to PSD2, may offer an opportunity for merchants to bypass schemes and acquirers altogether.

Payments in the airline industry is a risky business, and merchants need to act now to avoid hidden dangers in card acquiring contracts.

Loomis continues European expansion with acquisition of German-based cash handler, Zeimann, for €160 million.

Will TrueLayer’s open-banking payments API give businesses and consumers an alternative to card payments and bank transfers?

Merchant champions, CMSPI, have launched a campaign to end excessive card fees and has called upon retailers to take a stand. 

The Nets-Concardis merger is finalised resulting in a group entity with €1.3 billion in net revenue, an EBITDA of €500 million, and over 3,500 staff.

In CMSPI’s consultation response, we highlight the importance of a review and the material cost saving of €551 million per annum it could have for merchants across Europe.

Report finds that cash is still an economic necessity for around 25 million people.

In our Picture of Payments series we look at current industry trends and topics! Winter 2018 cartoon now available.

In this latest edition of Payments Intelligence, we discuss disruption in the European payments landscape and the cost of changing acquirers.

Watch highlights and video interviews from RPC 2018 attendees including Walmart, Carrefour Group and TrueLayer.

Visa and Mastercard are close to agreeing a deal with the European Commission to lower interchange fees charged to EU merchants accepting cards from outside the EU.

Arnaud Crouzet (nexo standards) features in this quarter’s edition of ‘Payments Talk’. He discusses all things nexo including benefits for merchants looking to standardise.

The UK government’s plans for interchange fees following Brexit have significant implications for merchants operating in the UK as well as other European markets.

We caught up with our card acquiring and invoice audit specialist on why conducting regular invoice reviews is so important.

View some of the highlights of The Retail Payments Conference 2018 in our photo gallery.

We answer some of the questions merchants wanted the answers to.

Read our 5 key takeaways from the event including open banking and regulation.

Download the presentation slides from the recent Retail Payments Conference.

For the first time, contactless has overtaken Chip & PIN to become the UK’s most popular form of card payment.

The Bank of England recently announced that the £50 note will join the £5, £10 and £20 notes in the switch from paper to polymer.

In our picture of payments series we look at current industry trends and topics! Fall 2018 cartoon now available.

Fixed costs to increase the relative cost of cash for merchants, mitigation tips for merchants

In this latest edition of Payments Intelligence, we discuss the future of payments and how merchants can navigate the €2bn problem.

Singapore has announced the unification of QR codes in the region, creating a single Singapore Quick Response Code (SGQR) supported by 27 local payment schemes.

CMSPI has been featured in the FT Future 100 list 2018.

CMSPI and the BRC have joined forces to advocate in favour of the retail industry.

We look at the scope of the upcoming PSR card acquiring market review and what merchants can expect to get out of it.

In the wake of complaints, the UK’s PSR has announced it will be reviewing the card acquiring market

CMSPI CEO, Brendan Doyle, answers the most frequently asked questions about interchange reclaims.

The Supreme Court recently ruled in favor of American Express in a long-running anti-trust case.

Rupay, India’s alternative domestic card scheme, has experienced a quiet rise in popularity and offers usable insights for Western merchants.

Our exclusive ‘Vizion by CMSPI’ dashboard product offers merchants complete visibility of their payments arrangements.

CMSPI responds to the government’s call for evidence on the role of cash and digital payments in the new economy.

This latest outage from Visa sparks a debate: could (and should) Europe expand domestic networks?

Nets-Concardis merger brings more consolidation to European card market

iZettle, the Swedish payments company founded in 2010, has sold to PayPal for $2.2bn, placing any plans to IPO on hold.

We explore Santander’s recent issuing announcement and what that means for merchants and the UK’s debit card market.

We highlight the 20 biggest deals in the payment industry over the last 20 years, and key issues merchants need to consider.

In our Spring 2018 edition, we introduce the International Payments Regulation Forum and explain why global interchange regulation needs an overhaul.

UK Payments community wants fintechs to easily access open banking

Underlying scheme fees are charged to acquirers in complex ways. We highlight 10 reasons merchants are unlikely to receive a direct pass-through cost.

PayPal will acquire leading European fintech iZettle for $2.2 billion

CMSPI is proud to announce that Matthew Shaw, Head of Sales & Marketing, has joined the CMSPI Board of Directors.

In our latest interview series, our industry experts explain the latest scheme fee updates in Europe and how to mitigate.

CMSPI is proud to be among the 50 fastest-growing companies

We explain why scheme fees should be brought under consideration at the IFR review.

Avoid misapplied fees and discrepancies in your invoices by conducting regular invoice audits.

What do scheme fees increases mean for your business, and how to mitigate them?

Help us gather support to oppose the latest scheme fee increases and bring these issues to the attention of policymakers and regulators across Europe.

In our latest educational series, Payments 101, we breakdown the MSC and examine charging structures.

In order to mitigate the impact of these fee increases, merchants need to be aware of the impact they will have on their business as the changes are complex.

The surcharging ban is here, what are the consequences and how can merchants mitigate?

We invited Michael to talk about his experience working across borders, and what merchants operating in multiple countries must be thinking about.

In this Winter 2018 edition of Payments Intelligence, CMSPI experts analyse expose the details and consequences of the upcoming Visa scheme fees increase

We take a look at what the future holds and highlight the top ten things to watch out for in 2018.

Accepting payments in the hotel industry is expensive and complex – we take a look at how hotels can mitigate these high fees.

We’ve compiled the top 5 most viewed/downloaded resources from our website over the last 12 months.

In our latest educational series, Payments 101, we review the basics of the 4-party transaction model.

The CMSPI team wishes you a happy holidays season

Latest report shows EMV technology is now used on 59% of global transactions – up from 42% last year.

Since the IFR was introduced in the EU, CMSPI has witnessed an interesting trend taking place in the split of merchant’s MSC fees.

Key considerations for merchants operating in the hotel industry and what makes the industry so complex.

Visa wins against Sainsbury’s in the battle over interchange fees.

Visa aims to accelerate contactless transition with a dedicated transport programme

Wayne Ashall, Senior Consultant, talks us through his latest FX project with a large international e-retailer.

The second version of the Payments Services Directive will soon enter into force. In this blog, we expose the details and potential consequences of it.

View our latest “Picture of Payments” – a warning to merchants to prepare for upcoming PSD2 regulation.

In this Autumn 2017 edition of Payments Intelligence, CMSPI examines the upcoming PSD2 regulation.

In the latest edition of Payments Intelligence magazine, CMSPI experts analyse the consequences of Vantiv’s merger with Worldpay.

Pinpoint:Analytics is a dynamic, interactive dashboard which gives merchants on-going analysis of their payments related costs and trends.

PayPal, one of the most popular alternative payment solutions continues to grow with strong third quarter results

Contactless transactions now account for almost a third of card transactions made in the UK.

Nordic payments processor Nets has received a $5.3 billion takeover offer from US private equity firm Hellman & Friedman.

The UK’s new payment system operator has appointed former Nationwide Building Society exec Paul Horlock as chief executive

Eurofinance and CMSPI joined forces to host a webinar on Multinational payments. You can rewatch it here.

We look at the many ways merchants can boost acceptance rates, including fraud prevention, scheme fee rules, MCCs and local payment preferences.

In this checklist, CMSPI highlight the key considerations for merchants when reviewing their acceptance rates.

CMSPI is now able to provide greater insight into the significant impact merchants are likely to encounter in the coming year.

In our latest white paper, CMSpi experts provide solutions for merchants looking into optimizing their multinational payments.

CMSPI has compiled the recent quarterly results for Visa and Mastercard, view our infographic for insights.

M&A activitiy can often mean uncertainty for all players in the supply chain, but what do these activities mean for merchants specifically?

Walter Merricks, the man spearheading a £14 billion class action lawsuit against Mastercard, has lodged an appeal against the tribunal’s decision.

The EC has announced that it will launch a public consultation on means to combat the costs of cross-border payments within the EU.

The European Commission is planning a crackdown on the high costs associated with cross-border currency transfers in and out of the euro.

A Tribunal Court judge has blocked a £14 billion class action lawsuit against Mastercard for overcharging customers.

Over the last 24 months’, CMSPI has engaged with several MAG members and is on course to save them a combined $36,000,000.

UK government surcharging ban puts further strain on merchants

After the outcome of the Arcadia & Ors claim against Mastercard interchange claim, CMSPI Head of Research Callum Godwin analyses the reasons of such a blow.

Worldpay is spurning overtures from JP Morgan to carve out a £9.1 billion deal with US card technology group Vantiv.

In this issue, we look at Mastercard interchange litigation case.

In this article, we look at new & misapplied fees, why they keep cropping up and what merchants can do about them.

New forecasts predict that paying by plastic debit will overtake cash in 2018, three years earlier than expected.

French retailer Carrefour is to begin the roll out of LyfPay, a new mobile app resulting from the merger of BNP Paribas-backed Wa! and Credit Mutuel’s Fivory.

Earlier this month, sixty organisations representing a broad cross-section of fintech businesses across Europe joined forces to protest against new rules by the European Banking Authority.

In this article , we take a look at the benefits of optimizing your arrangements and why it’s important you review them now.

The UK’s CMA has cleared Mastercard’s £700 million acquisition of Vocalink after the card giant promised to take steps to address the watchdog’s concerns.

Revenue summaries, payment types, mergers and acquisitions and earnings call summaries. We take a look at what the cash in transit providers got up to in 2016.

Revenue summaries, discount rates and earnings call reviews, we take a look at what the card schemes got up to in 2016.

Supporters of digital payment schemes like to push the idea that a cash-free future is just around the corner, yet fully three-quarters of all Euro zone payments at the point-of-sale are still made in cash.

The BofE is mulling over whether to replace the use of animal fat in polymer bank notes with environmentally controversial palm oil.

As the new 12-sided £1 coin enters circulation, a survey shows that a third of Brits think that cash will be obsolete within just three years.

The UK is to roll out an image-based cheque clearing system in October that will slash processing times from six ‘weekdays’ to one day.

From interchange fees to average transaction values, we take a look at payments in the Cinema industry.

To date, we have seen 1 win, 1 loss and 3 settlements, leaving many merchants uncertain where their claim stands and whether they should even proceed.

The ECSG published version 8.0 of the SEPA Cards Standardisation Volume (‘the Volume’).

Our latest Payments Intelligence Magazine, bringing you opinions and insights from across Europe

From interchange fees to average transaction amounts, we take a look at payments in the Jewellery industry.

From cash in transit providers to average weekly collection amount. We take a look at typical cash collections.

From interchange fees to typical payment method. We take a look at payments in the Insurance industry.

The UK’s Link ATM network is rethinking its business model as banks seek to reduce the costs incurred by providing free ATM withdrawals across the national network of 70,000 cash machines.

From interchange fees to average transaction value, we take a brief look at the Telecoms industry.

From interchange fees to method of payment, we took a quick look at transactions in the Utilities industry.

22,245,400 people took a cruise in 2014, but how did they spend their money?

Barclaycard is reporting positive feedback from a trial of contactless donation boxes with eleven leading charities.

Bitter rivals Visa and Mastercard have struck a deal that lets each firm’s digital wallet service request the other’s tokenized payment credentials.

The rise of mobile and contactless payments means that by 2026 cash will account for less than a quarter of all transactions in the US.

Visa (NYSE:V) today modified and clarified existing debit network routing rules to help merchants and acquirers better understand implementation options.