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Insights

Our insights team produce industry leading research, data analysis,
and strategies that help positively shape the payments industry.
Explore blogs, thought-leadership content , infographics,
and videos on best practices, trends, challenges,
and the future of payments.

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Blog

July 8th 2024

Boosting Transaction Approval Rates: A Guide to The Tools on The Market

In their 2024 report, the Merchant Risk Council found that ‘revenue’ was the most highly ranked payments KPI among merchants. Here, we break down five industry innovations intended to maximize the success of good transactions.

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Blog

June 11th 2024

The Complexity of Payments: A Driver of Costs or An Opportunity for Savings?

As complexity mounts, many merchants find themselves grappling to control their expenses, leading to unnoticed elevated fees. However, some merchants are ushering in a new era of payments optimization where embracing complexity drives savings, rather than cost increases.

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Blog

June 6th 2024

A Guide to Competition in the U.S. Payments Market

Does network routing competition create market efficiencies? In this article, we discuss competitive interventions within the U.S. payments landscape. We compare norms pre- and postintervention and highlight key hurdles faced by merchants in extracting the value of regulation. Finally, we map out the road ahead in terms of new challenges and potential avenues for improving the payments landscape.

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Blog

May 30th 2024

“Fee Changes, Right Ahead!” Diving Into Spring Card Brand Releases Around the World

In April 2024, merchants around the world faced yet another set of changes to their card acceptance fees, estimated to cost them over $250 million in the U.S. alone.

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Blog

May 21st 2024

Stakeholders Respond to Proposed Revision of U.S. Debit Interchange Fee Cap

For the first time since 2011, the U.S. Federal Reserve has proposed a revision to the maximum interchange fees charged on debit card transactions in the U.S.. With the comment period on the proposal now closed, CMSPI’s Insights team has analyzed the four main arguments against the rate revisions in light of public payments data.

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Blog

May 13th 2024

There’s No Such Thing as European Payments: Six Steps for Merchants Going Local

At the Merchant Risk Council’s April conference in Barcelona, CMSPI’s Timo Pauget and Martha Southall were joined by Jérémie Fave, Payment and Fraud Expert at LVMH, to ask how multinational merchants are approaching one of the most complex payments markets around.

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Blog

April 29th 2024

Reserve Bank of Australia Confirms Least Cost Routing Could Reduce Merchant Debit Costs by 20%

In April 2024, the Reserve Bank of Australia (RBA) released a study entitled “The Effect of Least-cost Routing on Merchant Payment Costs”, which confirmed that least cost routing could reduce merchant debit acceptance costs by 20%. Here are three major findings that Australian merchants need to know from the RBA’s analysis.

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Blog

April 29th 2024

Claims Filing Deadline May 31st Fast Approaching in Payment Card Interchange Settlement: Monetary Award of $5.54 to $6.24 Billion Available to Merchants

In December 2019, the Courts approved a monetary award in U.S. antitrust litigation between merchant Plaintiffs and Visa, Mastercard, and large U.S. bank Defendants. Merchants interested in claiming settlement payments must file claims no later than May 31, 2024. This settlement opportunity is distinct from the March 2024 proposed injunctive relief settlement.

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Blog

April 29th 2024

Credit Card Competition Act Could Result in Annual Savings Upward of $16.4 Billion

CMSPI estimates pro-competitive policies on U.S. debit have saved merchants and consumers billions.

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Blog

April 23rd 2024

Assessing the Proposed Visa and Mastercard Settlement in the Context of Recent Fee Increases

In March, a proposed settlement for U.S. merchants accepting Visa and Mastercard card transactions was released, representing a major milestone in a nearly two-decade class action lawsuit. The proposed settlement would require the networks to introduce 4 and 7 basis point decreases to published and average domestic credit interchange fees, respectively, but how do these decreases compare to recent fee increases for U.S. retailers?

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News

April 3rd 2024

Breaking News: $259 Million in Card Fee Increases Reported Despite Interchange Settlement

Following decades of litigation, Visa and Mastercard announced in March a settlement that would cap card interchange fees until 2030. But the guarantees may not apply to the network fees that merchants pay to accept payments – and those are on the rise.

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Blog

March 5th 2024

Ecommerce Battlegrounds: Fortifying Your Online Revenue Against Fraudulent Refunds and Chargebacks

In an era where digital transactions form the backbone of global commerce, protecting online revenues against online fraud is more important than ever. The latest data from the Nilson report reveals a concerning trend: the U.S., despite making up only a quarter of global card volume, accounted for nearly half of the world’s total card fraud losses in 2022, amounting to a staggering $13.61 billion in lost revenue. 1

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