RESOURCES
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 15th 2021
Achieving True Least Cost Routing in Australia
In October 2021, the Reserve Bank of Australia announced the biggest shake-up to Australian payments in years. One area its Conclusions Paper identified was the provision of Least Cost Routing and ensuring merchants can secure its benefits. But what is LCR, and how can merchants take advantage of the new rules?
News
November 2nd 2021
CMSPI Hires Payments Industry Leader as Head of Strategic Partnerships
Atlanta, GA - November 2, 2021 - CMSPI, the global leader in retail payments advisory announced Liz Garner, former Principal for Strategic Payment Acceptance Initiatives at Amazon, has joined as Head of Strategic Partnerships.
News
October 13th 2021
Former CEO of Deloitte Consulting Joins CMSPI as Chairman of the Board
ATLANTA, GA – October 13, 2021 – CMSPI, the leading global payments advisory, today announced the appointment of industry leader John Kerr as chairman of its board of directors.
Blog
September 17th 2021
Think Global, Act Local? The Challenges of International Payments for U.S. Merchants
Some of payments' seemingly perennial truths apply across the globe. For instance, U.S.-based merchants will likely observe rising fees, increasingly complex reconciliation, and growth in alternative payment methods throughout their international estate.
Blog
August 10th 2021
Breaking News: Sainsbury’s Settle with Mastercard in Battle Over Historical Interchange Fees
Sainsbury’s has reached a settlement with Mastercard over the payment of its historic interchange fees. This settlement follows a Supreme Court decision issued in June 2020 which found that the interchange fees charged by Visa and Mastercard were anti-competitive.
Blog
June 25th 2021
EMV Liability Shift: What are the Chargeback Trends?
After multiple delays, the EMV liability shift finally came and went in April of 2021. With this shift, petroleum merchants are now liable for all fraud that occurs when transactions are not processed using EMV chip technology at the point of sale.
Blog
June 24th 2021
CMSPI’s Quick & Easy Guide to Tokenization
For merchants, tokenization is the key to improved customer experience, data protection, online transaction security, compliance, and overall business growth.
Blog
June 15th 2021
U.S. Payments Acceptance Costs Set to Double by 2025
CMSPI analysis suggests that the average cost of payments for U.S. retailers will have doubled between 2009 and 2025 (Figure 1). In this article, we discuss how fee increases, a shifting payments mix, and a pandemic have combined to create the perfect storm - and what merchants can do about it.
Blog
June 3rd 2021
Single Acquiring vs. Multi-Acquiring: 5 Key Considerations
For merchants with a presence in multiple markets, the decision to consolidate their payments supply chain can be an intuitive one.
Blog
May 27th 2021
What Does Online Debit Routing Look Like?
As a result of the Durbin amendment's "no-network exclusivity" clause, merchants can route PIN debit transactions to the least cost network. In the online market, PINless technologies allow for merchants accepting online transactions to route to the least cost network, resulting in lower costs and increased competition between card networks in the online environment.
Blog
May 7th 2021
Breaking News: Fed Says Routing Provisions Apply to Card Not Present
Today, the Federal Reserve (The Fed) has made an announcement in regards to "Regulation II" - which enforces the Durbin Amendment - and states that; "debit card issuers should enable, and allow merchants to choose from, at least two unaffiliated networks for card-not-present debit card transactions, such as online purchases."
Publications
May 6th 2021
Card Acceptance Fees: How Are They Changing for German Retailers?
Local card schemes, evolving customer preferences, and regulatory differences all serve to make the European payments landscape a fractured one.