Insights

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.

Merchant Payment Fraud Solutions Leader Justin Staskiewicz Joins CMSPI

CMSPI is pleased to announce Justin Staskiewicz as the new Head of Fraud Solutions.

Estimates Show Upcoming Card Fee Hikes Could Cost U.S. Retailers Over $500 Million

Here, we break down the key changes that merchants need to prepare for in October 2023.

What the Discover Misclassification Issue Tells Us About Merchant Payments Costs

On July 19, Discover announced that it had been incorrectly classifying certain credit card accounts for years, leading to higher costs for some merchants and acquirers.¹ The news saw Discover’s stock fall by 16%² and its CEO subsequently resign.

Rewards Margins are High Enough to Withstand Competition

With the recent introduction of the Credit Card Competition Act, there’s hope that the credit card market may experience a well-deserved injection of competition. With this new competition, CMSPI estimates that credit card rewards are unlikely to disappear based on current issuer margins on rewards and experience from other markets.

Understanding the Recent Changes to Merchant Fees in Australia

In this blog, we delve into the details of these changes, asking how merchants could be affected and what they need to do next.

A Review of Instant Payment Systems Across Asia Pacific

In today's fast-paced digital environment, instant payments have the ability to improve the customer experience, reduce payment processing costs, drive sales, and generate a competitive edge for merchants. However, the fate of these systems depends on the work of stakeholders globally.

Debit Is More Important Than Ever: Evidence from the Federal Reserve Payments Study

With more U.S. debit volume becoming routable on July 1, 2023 - when the Federal Reserve’s clarification on the applicability of debit routing rights comes into effect – and the launch of FedNow in July, now is a critical time for merchants to reassess their payment acceptance strategies.

Why Payments and Loyalty are Now Intertwined for Gas Merchants

It never used to be this complicated. Consumers would typically use the first gas station they found. If they found more than one, they’d go for the cheapest option.

CMSPI and FedNow: Q&A on the U.S.’s Newest Payment Rail

In July, the Federal Reserve will release from pilot the long-awaited FedNow service, the Fed’s faster payment infrastructure.

Navigating Least Cost Routing: Find Savings and Develop an Optimal Payments Strategy

As 2023 brings the introduction of online routing, followed by mobile wallet routing enablement in 2024, Least Cost Routing (LCR) is rapidly transforming the payments game for Australian merchants and the savings opportunity has grown to an estimated $840m AUD annually.  

Elevate Your Payments Arrangements and Unlock Savings with CMSPI

At CMSPI, we've built our business around simplifying payments optimization, making it transparent and accessible. We're proud to share that CMSPI's debit optimization tools and expertise have helped countless clients enhance their payment strategies and achieve remarkable savings—averaging six to seven figures.