Insights

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.

Putting Profitability First: Is PINless the Answer Tech Companies Have Been Looking For?

Since the 2011 Durbin Amendment, the biggest lever U.S. merchants have had in controlling their payments costs came in the form of PIN debit optimization.

The Billion Dollar Fee Increase: New Debit Changes are Flipping Payments on Their Head

Are your debit transactions still optimally routed and priced? Let’s explore the new fees together.

Inflation is Building Pressure – Are Your Debit Deals About to Pop?

On June 10th, the Bureau of Labor Statistics announced that U.S. Inflation had reached 8.6%, the highest annual rate since 1981. The last time inflation was this high, consumers were still signing checks to make payments, and carrying around wads of cash with them everywhere they went.

Debit Optimization: Three Things You Might be Missing in your Strategy Today

While the merchant community might be breathing a sigh of relief having navigated the last two years of immense change, 2022 presents new challenges and opportunities in a familiar space: debit routing optimization.

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.

Debit Routing Explained

Did you know that just because you have a debit routing tool in place with your processor, you’re likely still missing out on millions of dollars a year?

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.

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.

Unregulated Debit: The Trend Silently Costing Merchants $1.3 Billion

Despite stores reopening and many states coming out of lockdown restrictions, merchants are continuing to feel the impact of the COVID-19 pandemic on the retail industry – and will do for a long time

5 Reasons Why Your ‘Dynamic’ Debit Routing Isn’t Optimal

So, your processor tells you that you’re getting the maximum financial benefits from debit routing. But how do you know they’re telling the truth?