Insights

Problems at the Pump: 5 Complexities of Debit Routing for Convenience & Fuel Retailers

Truly optimized debit routing arrangements can save merchants millions of dollars a year: however, routing is extremely intricate, with numerous pitfalls preventing merchants from minimizing costs.

101: An Introduction to Online Routing + PINless Transactions

As the world continues to digitize, retailers are increasingly focusing on their ecommerce offer as the growth in online transactions accelerates.

From In-store to Online: Five Questions with Callum Godwin

The rising cost of processing transactions is nothing new for merchants, with new fees continuously being introduced and existing fees increased. However, with consumers increasingly choosing to shop online – accelerated by the COVID-19 pandemic – merchants could see costs rise even further.

The Dark Side of Ecommerce: Fraud and Lost Customers

In recent weeks, retailers have seen a phenomenal shift from in-store to online spending, with the COVID-19 pandemic accelerating the growth of ecommerce at an unprecedented rate.

The Cost of Ecommerce: How Rising Online Spend Increases Costs

Throughout the pandemic, widespread store closures have inevitably resulted in online volumes soaring for most retail industries

Rising Average Transaction Values: the Good, the Bad

Throughout the pandemic, merchants have seen a significant shift in consumer habits: and despite many countries recovering and beginning to reopen stores and public places, people are still erring on

Subway Chooses Omnichannel Solution Following RFP led by CMSPI

Subway and its franchise owners are set to benefit from a new omnichannel partnership after finalising a Request for Proposal (RFP), managed by CMSPI’s payments experts.

Fiserv Increases PINless Transaction Limit

Fiserv has announced that the value limit on PINless debit transactions for its STAR and Accel networks will increase from $50 to $100, as a result of the COVID-19 pandemic.

Visa Announces Delay to Interchange Fee Changes

Visa has announced that its upcoming U.S. credit card interchange fee changes will be delayed until April 2021 for every industry except grocery.

How Do the Latest Set of U.S. Interchange Changes Affect Merchants?

The global networks have announced all credit card interchange fee changes for merchants will be pushed back from April to mid-July, citing the COVID-19 pandemic.

IFR in Review: The Success and Limitations of Europe’s Most Important Payments Regulation

Lower prices for everyone: this was the stated intention of Interchange Fee Regulation (IFR) when it was introduced back in 2015. For the merchant community, the regulation was a huge step forward in fostering competition in the payments industry – and many have benefited from significantly reduced interchange fees.

Scheme Fees: Why German Merchants Are Seeing the Cost of Cards Soar

European merchants are continuously being impacted by rocketing scheme fees, which have been significantly increasing costs since 2016. For many, it has become an inevitability of processing card payments. With numerous methods of accepting payments available in the German market, and with Visa and Mastercard being just one small component of the region’s complex payments landscape, it is perhaps surprising merchants in Germany are – in many ways – bearing the brunt of these soaring costs.