RESOURCES
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.
Blog
November 21st 2023
Unwrapping Card Fees This Holiday Season
Card fees are reaching near-record highs this holiday season. Read here to see how much retailers will pay this holiday season.
Blog
November 2nd 2023
Managing Payments in 2023: Three of the Biggest Trends Affecting Grocery Merchants
With recent network fee increases and volume growth in costlier payment channels, it is more important than ever for grocers to find ways to optimize their costs of payments acceptance. Here, we review which three payments trends are impacting cost performance at America’s grocers most – and how they can adapt.
Blog
August 22nd 2023
Breaking News: Estimates Show Upcoming Card Fee Hikes Could Cost U.S. Retailers Over $500 Million
Merchants were barely done quantifying the impact of the April card fee changes when news of a fresh set of increases hit their desks.
Blog
June 30th 2023
Debit Is More Important Than Ever: Evidence from the Federal Reserve Payments Study
With more U.S. debit volume becoming routable on July 1, 2023 - when the Federal Reserve’s clarification on the applicability of debit routing rights comes into effect – and the launch of FedNow in July, now is a critical time for merchants to reassess their payment acceptance strategies.
Blog
May 4th 2023
CMSPI’s Monthly PINless Enablement Tracker
In the lead up the July 1, 2023 enforcement date of the Regulation II clarification, CMSPI will be monitoring the market’s movement toward compliance, offering unrivaled visibility into market-leading metrics on one of the biggest opportunities for merchants in 2023.
Blog
March 30th 2023
Attack on Debit – Interview with Liz Garner
We sat down with Liz Garner, Head of Strategic Partnerships at CMSPI, to find out what the attack on debit means for merchants and the payments industry.
Blog
March 7th 2023
Beware The ‘Big Check’: Is Debit Routing Exclusivity the Answer?
With the Fed’s recent clarification¹, payments-savvy merchants are getting back in the ring for a fresh round of negotiations – one that will decide how much of the $3bn² Card Not Present debit opportunity their business will claim.
Blog
February 27th 2023
CMSPI Data Shows PINless Enablement On The Rise
In a win estimated to be worth $3bn for merchants¹, the Federal Reserve’s October 2022 clarification mandates that issuers make at least two competing debit networks available for all payment channels by July 1, 2023.
Publications
February 13th 2023
The Attack on Merchant Debit Savings Report
The Federal Reserve ultimately clarified in October 2022 that existing law requires network competition for online transactions. This represents a big opportunity for merchants, consumers, and domestic debit networks, but there’s work to be done.
Blog
November 15th 2022
Card-On-File Merchants, Meet Debit Routing: How PINless and Network Tokens Can Impact Cards-On-File
In recent years, card-on-file transactions have become one of the most interesting segments of card not present (CNP) spending.
Blog
November 11th 2022
Global Debit Optimization: Why Merchants Are Taking Their Routing Strategy Cross-Border
With the Fed’s most recent announcement, PINless has fast become the hottest topic in U.S. payments. The ability to route online transactions to the lowest-cost network – an opportunity largely restricted to the in-store space until now - is estimated to place up to $3bn in annual savings on the table for merchants.
Publications
October 20th 2022
The $3 Billion PINless Routing Opportunity Explained
The Federal Reserve Clarification has created a flurry of activity in the payments industry - and certainly a lot of confusion around the 57-page document. CMSPI has analyzed the document to understand what it means for merchants and what the data says today.