Insights

Payments in 2024: The Outlook from Industry Experts

In its December 2023 Townhall,¹ CMSPI asked industry experts Holly Tjaden, U.S. Payments Manager for McDonald’s, and Lorin Young, Global Payments Manager at Columbia Sportswear, to unpack the challenges and triumphs of the last year in payments. But what’s next? From Artificial Intelligence to the familiar ‘soft landing’, here’s what payments managers are looking out for in 2024.

A Land of Innovation, but How Competitive is the Payments Industry? Part 2

Why are card fees so high (and ever-growing) and payment companies so profitable? And what are the options for merchants? In this blog, we will analyze market dynamics in the credit card payment industry and outline three options for merchants looking to tackle the problem.

Late to the Game or First to the Party? How Omnichannel Retailers Can Compete on Payments this Season

Merchants are gearing up for another strong year of e-commerce sales growth in the final shopping days of the 2023 holiday season – signaling a potential turning point for traditional brick and mortar merchants.

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.

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.

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.