Insights

UK Payments Regulator Proposes Reduction in Cross-Border Card Fees

The UK Payment Systems Regulator (PSR) has proposed to reintroduce a cap on cross-border interchange fees levied on transactions between the UK and the EU, following an investigation launched in June 2022.

Making Data Deliver – A Deep Dive on BIN Data for Debit Routing Optimization

BIN-level analysis is one of the keys to developing actionable data-driven insights that can be used to reduce costs, drive competition, and optimize routing strategy. Read here how CMSPI approaches some of its optimization strategies with BIN-level analysis across a variety of use cases.

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.

CMSPI Launches Insights Advisory Council with Merchant Payments Leaders

The Insights Advisory Council will provide direction to the CMSPI team on strategic industry reports, research prioritization, and prospective partner content.

How Much Interchange was Paid on Sales Tax in the U.S.?

CMSPI estimates that U.S. merchants paid nearly $8 billion in interchange on sales tax, gasoline and diesel excise taxes, and alcohol excise taxes. Read below to see how the impact differed by state.

A Land of Innovation, but How Competitive is the Payments Industry? Part 1: Looking Beyond the Card

While it is true that there is innovation in the payments industry, and there are lots of efficiencies and economies of scale, does this mean the industry is sufficiently competitive?

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.

Five Takeaways from the Fed’s Latest Announcement on Regulation II

On Wednesday October 25th, the Federal Reserve Board of Governors affirmatively voted to release a proposal that would adjust all three portions of the debit card interchange cap.

The Complexity of Payments in Asia-Pacific: A Five-Step Guide for Payments Managers

We delve into the complexities of optimizing payments regionally, including the implementation of least cost routing strategies and navigating local regulation.

Breaking: RBA Finds Substantial Cost Savings from Gap in Merchant LCR Adoption

In the Reserve Bank of Australia’s first report on Least Cost Routing (LCR), the bank concludes there are still substantial cost savings left for merchants from routing.

Damage to Durbin Amendment Reaches Tipping Point

New charges now mean more than half of regulation benefits have been eroded.

The Path of Online Payments – Demystifying Transaction Costs

In this infographic, we take a whistle-stop tour of nearly 20 decision points that can determine a transaction’s fate online.