Blog

Card-Present Chargebacks: An Overlooked Payments Problem (Part 2)

In part two of this series on card-present chargebacks, we discuss what trade-offs to consider when balancing the optimization of payment and fraud strategies and provide an approach to aide merchants in the journey of identifying dispute pressure.

Card-Present Chargebacks: An Overlooked Payments Problem (Part 1)

In this two-part blog series, we discuss an emerging and overlooked payments problem, card-present chargebacks. First up, we highlight why card-present chargebacks deserve attention and how more descriptive reason codes could provide additional insight for merchants.

Navigating Approvals Growing Complexities Part 2 

In the final part of this two part series on approvals, we continue our deep dive into approvals and navigating their growing complexities, including emerging payment payments and asymmetric information.

Anticipating Australia’s Payment Reform 

In part one of a two-part series, we provide a quick recap of Australia’s regulatory framework while we await announcement of a significant payment reform in the coming weeks.

Navigating Approvals Growing Complexities Part 1 

In part one of a two-part series, we provide a detailed look into the difference between gross and net approval rates and the impact of fraud strategy on approvals.

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

CMSPI estimates that U.S. merchants paid nearly $11 billion in interchange on sales tax in 2024 alone. Read more to see how the impact differed by state.

Federal Reserve Data on Debit Networks, Fees, and Fraud: Part Two

Part Two of this Two Part series dives deeper into the Federal Reserve’s latest biannual publication to reveal the complexity of interchange and network fees and the significant shift in debit card fraud liability.

Federal Reserve Data on Debit Networks, Fees, and Fraud: Part One

Part One of a Two Part series begins the exploration of the Federal Reserve’s latest biannual publication reporting insights on debit card’s market shares and the continued expansion of Card-Not-Present transactions in the U.S.

Unwrapping Card Fees This Holiday Season

Retailers face their costliest holiday season yet as fees surge and ecommerce grows. With spending projected to exceed $1 Trillion, CMSPI estimates card acceptance fees will reach $19.9 Billion – equivalent to funding hundreds of thousands of seasonal workers’ annual wages.

Are The New Generation of BINs Affecting Your Transaction Success?

New-generation BINs from fintech and digital-first issuers are influencing transaction success rates. Learn how shifting BIN profiles affect approvals, routing, and merchant optimization strategies.

Maximizing Routing Optionality: Four Factors Every Debit Routing Strategy Must Address

Debit routing is a powerful tool for merchants to optimize payments performance and unlock significant savings. However, there's no universal strategy for achieving optimal routing outcomes - it requires a tailored approach and regular monitoring of market shifts that may reduce savings. This article explores four of the most impactful erosion factors limiting merchant routing options.

Client Connect 2025: Takeaways from Connecting the World’s Largest Merchants

CMSPI’s second annual Client Connect conference provided two days of high-impact insights focused on one thing: connecting the dots across the merchant payments landscape. From macroeconomic trends and data challenges to innovations like PINless routing and agentic commerce, the event emphasized the power of collaboration, unified data, and policy for merchants.